2020年廉价房车保险

Insuring an RV is an odd prospect because you’re not only insuring a vehicle, you’re insuring its contents and your portable home. It takes a bit of time to research the best deal, but we have you covered.

Who has the cheapest RV insurance?

  • GEICO
  • 进步
  • RV美国
  • 哈特福德/美国退休人员协会

首先,我们必须定义保险公司认为什么是“娱乐工具”。基本上,这是您要入睡的任何车辆,无论您可以驾驶还是牵引。大多数房车保险公司要么会覆盖像房车之类的车辆,其大小会像一辆基于面包车的东西一样大,最大至一个45英尺的推杆,要么会像一个帐篷拖车一样小,覆盖到像第五轮一样巨大的东西。

我们从许多来源中采样了信息,并开发了一系列RV保险应花费的费用。根据密歇根大学的数据,房车车主的平均年龄为49岁,因此我们使用的是49岁的男性。我们假设您拥有良好的驾驶记录和良好的信用评分。我们坚持使用房车进行比较,但是您可以轻松地在旅行拖车上报价。

We chose three different RVs to quote that represent a van or truck based (Class B or C) and larger Class A motorhomes:

  • 2020湾流 Conquest 24 (Class C)
  • 2020 Fleetwood Flair 29M (Class A)
  • 2020温尼巴哥极限竞速34T

For the purposes of this exercise -- since these things are between $65,000 and $210,000 -- we answered that we financed all of these. That forces a comprehensive insurance package that includes fire and theft, which most shoppers are going to select.

NOTE: All of the insurers asked if we planned on loaning or renting this RV to anyone else. In the era of AirBnB, be aware that this could add a lot to your insurance bill every year.

DISCLAIMER: There are numerous other factors that are going to impact the cost of insurance on your RV.

Who has the best Cheap 房车保险?

  • Large 保险 Carrier: 进步 - 进步’s prices look significantly higher than 哈特福德, but remember, we’re not exactly comparing apples-to-apples here because that’s bundled with a car insurance policy.

  • Smaller 保险 Carrier: 哈特福德 -哈特福德(Hartford)看上去便宜一些,但除非您也为汽车提供保险,否则他们不会为房车投保。为了获得报价,我们在那儿扔了一辆2003 BMW 525i来满足要求。然后,我们减去BMW的保险费用,以确定将RV添加到现有保单中需要花费的费用。但是,如果您仅能确保将RV当作唯一的车辆,它并不能提供准确的实际成本图,因此在比较价格时请记住这一点。

  • 最佳总体奖:美国RV - While the “online quote” only came via email, these folks provided a comprehensive breakdown of costs, were competitive with the big guys and specialize in insuring these vehicles.

How much does RV insurance cost?

Because RVs vary so widely in terms of size and luxury, we really felt like we needed to sample three different types of RV when we created this table. We sampled:

  • 2020湾流 Conquest 24 (Class C)
  • 2020 Fleetwood Flair 29M (Class A) (surprisingly cheaper than the van at $89,999)
  • 2020温尼巴哥极限竞速34T (Insanely expensive at $207,000)
2020湾流2020年弗利特伍德29M2020温尼巴哥34T
哈特福德$ 488.0$ 529.00$ 654.00
进步$ 550.0$ 873.0$ 1,911.0
GEICO不适用不适用不适用
RV美国保险$ 590.00$ 892.00$ 1,935.00

注意:我们被告知我们会在24小时内通过电子邮件收到GEICO的报价,但在发布时还没有发生。我们的GUESS是,它们可能比其他产品便宜,但我们无法确定告诉您,因为我们无法获得在线报价。

How easy is it to get a quote from major RV insurers?

  • GEICO -我们无法从GEICO获得马萨诸塞州,北卡罗来纳州或马萨诸塞州RV的在线报价。实际上,我们根本无法获得在线报价,这令人惊讶,因为GEICO可以为几乎所有带轮的东西提供保险,而且成本方面也很开放。当我们报价摩托车保险时,我们立即得到报价。

  • 进步 -通过在线报价以及通过电子邮件进行跟进,Progressive变得轻松快捷。输入数据后,您可以根据需要运行任意数量的RV。定价看起来比竞争对手之一高很多,但这是有原因的,我们将在一分钟内进行探讨。

  • 哈特福德 -Hartford在这里看起来很便宜,这是因为如果您还向他们注册了每日驾驶员,那么他们只会为RV提供保险,因此您会自动获得捆绑折扣,其他保险公司可能会为您提供捆绑折扣好。获取在线报价很容易,您可以返回到车辆信息页面并对其进行编辑以更改RV的年份,品牌和型号,以比较较大或较小RV的价格。

  • RV美国 -RV America不是真正的RV America。由一家名为Brown的公司管理&棕色。您将所有信息都放在了网上,但没有在线报价。您第二天会收到一封电子邮件报价。如果您有时间等待报价,则价格具有竞争力,并且它们发送的.pdf包含您想要的明智决定所需的所有信息。

How can you get RV insurance discounts?

Like ordinary car insurance, there are a million discounts that you can apply to cut the cost of your RV insurance. When we got quotes, we didn’t select any of these, but they were all questions on the quote engine that would impact the overall insurance rate:

  • 财务与自己 -正如我们所提到的,由于当前RV的成本,我们预计不会有很多人会支付现金,但是如果您这样做,则可以消除全面的保障。不确定为什么要这么做,因为您不仅在支付交通费用,而且还在支付“房屋”费用,而且人们为节省金钱做了疯狂的事情。

  • 房车协会会员 -有一些非常好的RV协会为其成员提供了很多好处,包括更便宜的站点租金和可观的保险折扣。如果您要购买房车,请查看会员资格。您可以轻松地每年节省会费。

  • 防盗装置 - If your RV has an anti-theft device, you can realize some savings on your theft coverage.

  • 安全驾驶员课程 - If you’re over the age of 50, you can take an AARP safe driver course and save some money on your RV insurance, and possibly your car insurance.

  • 存储 - If you store your RV inside, or at least at your home, you may be able to realize a slight insurance benefit.

Fast 汽车保险 Rate Quotes

Compare quotes from multiple providers to get a good deal.

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常问问题

Who has the cheapest RV insurance?

In our research, Hartford did really well against GEICO and 进步.

How much does RV insurance cost?

That entirely depends on what your RV is. It can be cheap if it's just a two-person sleeper on a van chassis. And it can be wildly expensive if it’s a 48-foot motorcoach.

Is RV insurance cheaper than car insurance?

No. It can be much more expensive because you’re not only insuring your conveyance, but your home as well. Plus, RVs are way more expensive than the average car, and you’re insuring your rolling home as well as your transportation.

Who has the best RV insurance?

哈特福德 has excellent coverage for less than the national insurers.

How can I get super cheap RV insurance?

从购买超级便宜的房车开始。如果您不介意居住在看起来像Spahn Ranch曼森一家学生宿舍的地方,则可以花一分钱买一个较旧的B级或C级房车,它们可能像某些东西一样有趣。新的和现代的。如果您要购买较新的产品,而不必对其进行全面的涵盖,则可以这样做,但是如果您要购买比RV更为昂贵的产品,则可以考虑采用另一种方法来确保该RV的内容。盒中的盐饼干。

Can I buy seasonal RV insurance?

Don’t bother. You need to insure your RV when it’s not on the road, too, in case somebody breaks into it, or a tree falls on it in your yard. If you financed your RV you have to keep coverage on it whether you’re driving it or not.

编辑'注释和免责声明:Car Talk得到我们的粉丝,读者和听众的支持。当您单击我们网站上的某些链接时,我们可能会获得推荐补偿。但是,您应该知道我们提出的建议是基于我们独立的社论审查和分析得出的。