The main difference between collision and comprehensive coverage comes down to the question of what the driver controls. Collision insurance will cover events within a motorist's control or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," or things that are typically out of your control when driving. These can include events such as a spooked deer, a heavy hailstorm, or a carjacking.
The Patient Protection and Affordable Care Act of 2010, more commonly known as Obamacare, impacted healthcare in the United States in numerous ways. The act's effects vary by person, but you'll need to have health insurance for at least nine months out of every 12 or be subject to a tax. There are exceptions to this rule based on financial hardship, your income and living situation. But in general, whether it's through Obamacare or not, you should have health insurance.
We found premiums to be up to $600 more per year in some cases, but your personal results will vary based on your medical history and needs. It's easy to see what your own costs might be if you take a few minutes to enter your information on the website. The website is also very easy to use as you can filter plan options or compare them side-by-side with a couple clicks. There are also pop-up windows that explain certain terms if you hover your mouse over them. While some companies only operate in a select few states, UnitedHealthcare is nationwide, so there’s no need to worry about being in a coverage area.

Many baby boomers are doing the same: spending their retirement visiting national parks, historic landmarks, and exploring the country. Empty nesters and the 55+ crowd find that RV living offers both freedom and a strong sense of community. Contrary to the popular belief that RVers are constantly on the move, RV and manufactured home parks also serve as seasonal homes, with plenty of things to do to keep an active lifestyle.


While there are a couple of benefits of collision insurance, the main one is that you can file a claim and receive reimbursement regardless of who was at fault. Collision claims usually get processed faster than property damage claims because the insurance company does not have to spend time investigating who was at-fault. Another benefit is that you only deal with your own insurance company, rather than another insurer with less incentive to pay for your claim. Collision insurance can also be used toward your rental car in most cases, which can spare you from having to buy rental car insurance.
Services such as eHealthInsurance are simple to use and provide a variety of quotes but may not always show every option available. You may find more plan options by requesting plan information directly from the insurance company's website. Before purchasing new insurance it is always a good idea to ensure that your preferred doctor accepts the insurance you are looking to purchase. While your doctor may be listed on the insurance company's website, it is smart to call your doctor's office directly to verify.
Tech-savvy consumers have probably heard of or have been inspired by the “digital nomad” lifestyle, where people have been ditching their office cubicles to work remotely. Social media strategists, photographers, and web designers can all work from the comfort of home, as long as there’s a stable internet connection. Hit TV shows such as HGTV’s Tiny House Hunters and Travel Channel’s Going RV are shining a light on younger couples and families that save money by downsizing to a motorhome for a non-traditional life on the road.
By law, any type of registered vehicle must be insured. Motorhomes, like cars, are required to at least have liability insurance. Travel trailers and other towable RVs, on the other hand, cannot be driven and therefore aren’t required to have insurance. Keep in mind that towable RVs, although not vehicles, are still susceptible to theft, damage from natural disasters, vandalism, and collision, so it is highly recommended for them to still have coverage.
Collision car insurance covers damage to your car if it collides with another car. If you lease your car or have a loan on it, your financing company will require this type of coverage. As your car ages or you pay it off, you can drop it. However, that means that if your car is damaged in a collision with another vehicle, you’ll have to pay for all repairs on your own.
At U.S. News, we’re all about helping people make life’s important decisions, and we’ve been informing people since 1933. In 1983, we launched our college rankings, which for decades has set the standard in educational rankings. Since then, we’ve used our expertise to rank everything from hospitals to diets to states, and in 2007, we started ranking cars. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings.
A quick look at the company’s page on the Better Business Bureau shows just how satisfied consumers are with its customer service. Most insurance companies display a large amount of negative feedback online—it comes with the territory—National General, however, enjoys largely positive customer reviews and averages fewer complaints than many of its competitors. Baby Boomers highly value good customer service, and this level of satisfaction with National General can also be seen on other online review outlets.
When judging coverage and benefits, we singled out RV insurance carriers that offered extensive and flexible coverage options. To be considered for our list, companies had to provide all the traditional insurance protection, as well as a healthy amount of RV-specific options. Most RV insurers offer liability, personal injury protection (PIP), collision, underinsured or uninsured motorist, and comprehensive coverage. Other types, such as full-timer and Mexico coverage, vary in availability from company to company.
The best companies will also have several supplemental coverage options, or endorsements, that you can add to your homeowners policy. Endorsements can vary, as some provide higher coverage limits for certain types of personal property like jewelry or fine furs; or they can provide supplemental coverage for risks — like water backups, floods, or earthquakes — not covered by home insurance.
While there are a couple of benefits of collision insurance, the main one is that you can file a claim and receive reimbursement regardless of who was at fault. Collision claims usually get processed faster than property damage claims because the insurance company does not have to spend time investigating who was at-fault. Another benefit is that you only deal with your own insurance company, rather than another insurer with less incentive to pay for your claim. Collision insurance can also be used toward your rental car in most cases, which can spare you from having to buy rental car insurance.
By law, any type of registered vehicle must be insured. Motorhomes, like cars, are required to at least have liability insurance. Travel trailers and other towable RVs, on the other hand, cannot be driven and therefore aren’t required to have insurance. Keep in mind that towable RVs, although not vehicles, are still susceptible to theft, damage from natural disasters, vandalism, and collision, so it is highly recommended for them to still have coverage.
Geico: Geico is the fourth-best car insurance company, and even a cave man can see why. Geico customers say it’s easy to file a claim with the company, though some were unhappy with status updates from the insurer. That said, most Geico customers would recommend it and plan to renew their policy. Their rates may have something to do with that: Geico offers lower rates on average than most other auto insurance companies.

Bus-conversion homes are a popular and fast-growing trend within the RV lifestyle. City buses, Greyhounds, and even school buses are highly sought after and, once renovated, become non-traditional RVs that fall into the Class A category. While bus renovation projects are becoming mainstream, they can be difficult to insure. Buses, especially school bus-converted homes or “Skoolies,” are considered more of a risk due to their weight and balance limitations. Vehicles originally built for mass transportation do not have the same axle and weight distribution as traditional RVs, which are designed for sleeping and carrying additional living necessities.
Low Income: If your income is 100 to 400 percent of the national poverty rate ($11,490 - $45,960) for a single person, you may qualify for subsidized health insurance. In many cases this is not free health insurance but subsidized. This means you can get bronze-level health insurance for about $2570 per year through one of the state exchanges. Extremely low-income individuals and elderly persons often qualify for Medicare. If you paid the fine for 2014 you may still qualify for insurance via an exchange, even if it is not during the open-enrollment period, to avoid the fee in 2015.
How much car insurance you need depends on how much coverage you are legally obligated to get, as well as how much coverage you need for your situation. Each state has certain legal requirements for car insurance, and not meeting them can result in negative consequences. Check out our car insurance state guides to see the legal car insurance minimums in your state.

Though they may flirt with a higher overall number of brands, Millennials are intensely loyal to the few brands they do value. Large accident forgiveness and disappearing deductibles are two of Progressive’s benefits that reward this kind of long-term commitment. With the former, customers have a chance to avoid their rate going up for being in any sort of accident; with the latter, they can reduce their deductibles all the way down to $0 with each claim-free period on their policy.
So now that we understand the difference between auto and RV coverage, let’s take a look at the specifics of what you get under an RV policy. Essentially, RV insurance acts as a hybrid between car and home insurance, offering additional protection for home and living essentials through specialized coverage plans. Depending on the policy you choose, it may include:
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.
Hippo takes the top prize for the fastest, most “how the heck did they do that” quoting experience in the home insurance marketplace. The application process with Hippo is actually quite remarkable — you’re promised a quote in 60 seconds, but it’s really closer to 30. To apply, all you do is type in your address, and Hippo almost instantly shoots you an estimate along with information about your home’s specs.
National General Insurance has been around for a long time—for over 95 years, in fact. It is the only auto insurance company to have originated within the auto manufacturing industry. With nearly a century of experience insuring vehicles, and more than 25 years insuring RVs, Baby Boomers are more likely to appreciate the level of expertise and reliability that National General brings to the table.
By law, any type of registered vehicle must be insured. Motorhomes, like cars, are required to at least have liability insurance. Travel trailers and other towable RVs, on the other hand, cannot be driven and therefore aren’t required to have insurance. Keep in mind that towable RVs, although not vehicles, are still susceptible to theft, damage from natural disasters, vandalism, and collision, so it is highly recommended for them to still have coverage.
This might vary depending on your personal health and background, but generally this is an affordable company. We got roughly a dozen plan options in our queries, which we considered a decent selection. The company also offers home healthcare coverage, which is useful for older customers or those who have a chronic illness that could impact their ability to live alone. There aren't any short-term plans available though so this isn't the place to shop if you're between jobs or waiting for a new job's insurance to kick in. You also get access to wellness benefits like HumanaVitality, an online rewards program intended to help users develop healthy habits.
Traditionally, motorhomes have been very popular among baby boomers who take advantage of their retirement to travel and vacation. The Recreation Vehicle Industry Association estimates that 750,000 to one million retirees consider an RV their home. For many of these older RVers, their love of the outdoors stems from childhood camping and family trips.  
Plans vary greatly. But the general rule of thumb is that the less you pay per month, the higher your deductible is. Higher premiums are usually associated with lower deductibles. Generally it is beneficial for those with existing health issues to opt to pay more per month and less out-of-pocket for services. Those in good health often opt for a high deductible option in hopes that they never have to actually pay the deductible but would mostly be covered if something major happened. 
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.
At U.S. News, we’re all about helping people make life’s important decisions, and we’ve been informing people since 1933. In 1983, we launched our college rankings, which for decades has set the standard in educational rankings. Since then, we’ve used our expertise to rank everything from hospitals to diets to states, and in 2007, we started ranking cars. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings.
Bus-home conversions are a rapidly-growing trend that several RV insurance companies are adapting into their policies. The type of bus, however, is a prominent deciding factor in coverage, since bus axles differ from traditional RVs and aren’t built to carry a certain amount of weight. Many RV insurance companies avoid school bus-converted homes, as they have a higher risk of rollover accidents. Also, your bus-converted home must be registered as a recreational vehicle for personal use to be eligible for RV-insurance. Depending on the state where you register your vehicle, it may require your bus to comply with several requirements and meet certain standards before registration. It’s important that you check with your local department of motor vehicles beforehand.
RV insurance can be very different from car insurance depending on the type of RV or motorhome you have and how much you use it. Whether you have a camper trailer for weekend getaways and day trips; a large RV for extended vacations; or a motor home that you use as your primary residence, The Hartford has RV insurance solutions that you can customize to meet your needs.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
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