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Baddog

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May 23, 2017
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Texas
New to the forum and mostly to the whole RV experience....so hope I am not asking the question in the wrong place.

I am new to the RV world other than renting a MH years ago.  Before making a final decision on what to buy I was checking out things like storage (can't store at my house in suburb) and insurance.  However, my current homeowners / car insurance company said they needed a VIN to give me the price. I was just wanting a ballpark figure based on a model.  No dice.  So what can I expect to pay for insurance on a 5th wheel.  Is it based on age, size, cost?  And...who do you use?

I know most here suggest newbies buy used, but I will probably buy new if that matters on insurance. 

Thanks for any info.

Ricky
 
I just received a quote from GoodSam insurance (online) for my 2009 5th wheel and my 2005 Travel trailer. Both on one policy for $448 for one yr, with discount for pay in full, no payments, $500 deductible.
National-General is the underwriter and I got a quote directly from them too. NG was a little more but included towing whereas GS wants to sell their road hazard plan separately.
Neither one required a VIN to provide a quote, but do require one to actually write the policy.
 
Two thoughts: 1) my experience is that RV towing coverage is well worth it; 2) somehow, my insurance company sent an incorrect VIN to the CA DMV, which resulted in the DMV refusing to register the vehicle. I read the VIN over the phone to the insurance people, who then relayed it to the DMV, and everything was fine. No clue how they messed it up -- it wasn't just one number or letter wrong, it was an entirely different number. Something else to watch out for.
 
Adding my 2017 Rockwood Mini Lite 2504s to my combined plan cost me an extra $15/month for full premium coverage through Allstate. I have life, house, and auto through them so the incremental adds aren't too bad.
 
Thanks All.  It sounds like this is not a worry in the expense department.  I was worried an RV 5th wheel would be as bad as a vehicle.
 
my class C 2008 has full coverage insurance thru State Farm and it cost no more than the full coverage on my wife's 2015 Equinox, somewhere under $500/year.  A pleasant surprise
 
Welcome!  Below are a couple thoughts from a long time insurance agent...

1) Get a new agent.  An agent should be able to tell you roughly what the premium would be with the type, brand, and value of the RV.  A lot of agents don't want to run spec quotes because it takes time and most times doesn't result in a sale.  However, if you have a relationship with the agent it should be no problem.
2) The premium will be based on: value, deductible, (possibly) planned mileage, your risk score (read: credit) and your loss history.  So, it will vary.  But, $75 of premium for every $10,000 of value is a decent starting point.  It will be less per thousand of coverage for more expensive rigs.
3) You can always ask the dealer for a VIN number.  Just tell them you're pricing insurance and usually they'll happily give it to you.  That way you'll have all the details going in.  And, it may actually help your negotiating position... "this one's so much more to insure than your competitors rig".
Good luck!

J
 
Trailer insurance is always less than a motorhome because it is not motorized and therefore does not require liability insurance in any state. Typically trailer collision & comp can be added to your existing vehicle policiy for a modest price, but check with an RV specialist agency or company for a comparative quote. You may get either more coverage or lower price for the same coverage.

Premium will be based on RV value and types/amounts of coverage, and of course a higher deductible will reduce premium cost somewhat.
 
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