Toy Vehicles

Why do you need insurance for your recreational vehicle?

Unless you have a true recreational vehicle insurance package, you could be in for an unpleasant ordeal should you experience a loss with your RV. Your auto and homeowners policies may not cover such items as appliances, plumbing, or accessories. Without true Recreational Vehicle insurance, your emergency expenses incurred while traveling would undoubtedly come out of your own pocket. A typical travel trailer insurance policy from an auto carrier will include physical damage coverage only. Our A+ rated motorhome insurance and travel trailer insurance companies provide coverages far above and beyond the modest coverage provided by your auto insurance company. Give our team at El Paso Low Cost Auto Insurance a call today to find your perfect coverage.

Why do you need insurance for your RV?

You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers, or your investment. Here are a few things to consider:

• If you're in an accident or your recreational vehicle is damaged or stolen, it costs money — often a lot of money — to fix or replace it.
• If you or a passenger is injured in an accident, medical costs can be extremely expensive.
• If your RV is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Your RV may be one of your most prized possessions. It deserves special protection.

Things to consider and questions to ask your agent:

Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can I afford to pay if my RV is in an accident, damaged, or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
• What discounts and programs are available? (Ask about discounts for having multiple policies. You may also save money if your RV is stored in a garage.)
• How much medical and liability coverage should I have?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What's the process for filing and settling a claim?

Tips for the cost-conscious rider:

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live, and the type of recreational vehicle you own.

• Maintaining a good driving record with no violations will help reduce your premiums.

• Find out what discounts your insurance representative offers. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
• Keep in mind that the type, style, and age of the RV, as well as the number of miles you drive a year and where you store it may also affect how much you pay for your premium.