Another good way to get the cheapest auto insurance rates is to use as many car insurance discounts as you can. Car insurance companies offer many discounts, including good student discounts, paperless billing discounts, discounts for multiple policies, and discounts for going a certain period of time without making a claim. Some also offer discounts for things like having a tracker in your car. Read more about the car insurance discounts that can help you get the cheapest car insurance.
A good number of quotes to compare is three. If you already know three companies whose RV insurance you are interested in, go through each of their quoting applications. Then, compare the final estimated premiums and the features of its policy: maybe company A’s policy is cheaper overall, but company B’s offers greater coverage for a slightly more expensive price.
Let's use the aftermath of Superstorm Sandy as an example to illustrate the differences between collision and comprehensive. Within that storm, let's consider two events that might have happened: 1) a heavy tree branch fell on your car, or 2) you swerved to avoid a falling tree branch and wound up crashing into a tree. In the first event, you had no control over when or why a tree branch would fall on your car. This kind of accident would get reimbursed under your comprehensive policy. In the second situation, you were driving the car and ultimately swerved into the tree, which makes it a collision, and collision insurance therefore pays for the damages. Events like the hypothetical ones stated above are why it's important to differentiate between the two types of coverage.
The cheapest car insurance, period, will likely carry the minimum coverage required in your state. In most states, this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn’t have enough insurance.
National General’s mechanical breakdown service provides coverage for up to one hour of labor at the site of a breakdown. Vehicles will be towed to the nearest RV repair facility without dollar or mileage limits. Additionally, once their RV has been repaired after a claim, the company re-inspects it upon request in order to ensure it is in top condition.
While State Farm’s website recommends speaking with an agent to see what discounts are available to you for motorhome insurance, it doesn’t list any universal discounts. It’s still possible to save on your premiums, but there’s less transparency about what you may qualify for. If discounts are important to you, it’s best to get clarity from a State Farm agent on what to expect before signing up.
To get the cheapest car insurance, start by comparing rates. You can use our list of the Cheapest Car Insurance Companies to see which company has the cheapest rates for your situation. Don’t stop there, however. A company with cheap rates may not have the best service or very satisfied customers. Balance cheap auto insurance rates with the kind of service you want to live with when choosing an insurance company.
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.
If you decide to opt out instead of acquiring compliant health insurance, you do have a few options. These options probably won't qualify to relieve you of having to pay the shared responsibility payment, but they can still lower your health care costs. Many insurance companies offer short-term insurance plans that might help you between coverage periods or after losing insurance. Catastrophic insurance usually has a high deductible, but can help if you need expensive treatment. Another option is Direct Primary Care (DPC) or "concierge medicine." These are not standard insurance models but involve a direct payment to the provider as an annual fee or retainer for services. This type of arrangement is not common, but it's an option for some. Boutique offices are becoming increasingly popular as well. These medical practices do not bother with insurance and simply make cash-price arrangements with patients. Many offer quite competitive rates for routine services. However, keep in mind that this alternative option does not satisfy the requirement to have minimal compliant health insurance and that you may need to pay the fine unless you are somehow otherwise exempt.

If you decide to opt out instead of acquiring compliant health insurance, you do have a few options. These options probably won't qualify to relieve you of having to pay the shared responsibility payment, but they can still lower your health care costs. Many insurance companies offer short-term insurance plans that might help you between coverage periods or after losing insurance. Catastrophic insurance usually has a high deductible, but can help if you need expensive treatment. Another option is Direct Primary Care (DPC) or "concierge medicine." These are not standard insurance models but involve a direct payment to the provider as an annual fee or retainer for services. This type of arrangement is not common, but it's an option for some. Boutique offices are becoming increasingly popular as well. These medical practices do not bother with insurance and simply make cash-price arrangements with patients. Many offer quite competitive rates for routine services. However, keep in mind that this alternative option does not satisfy the requirement to have minimal compliant health insurance and that you may need to pay the fine unless you are somehow otherwise exempt.
One of the most common ways to lower your car insurance rates is by choosing a higher deductible. The deductible is the amount of money you must pay after an accident before your insurance kicks in. So, for example, if you are in an accident and there is $10,000 worth of damage done and your deductible is $1,000, you pay the $1,000 and your car insurance company pays $9,000. A higher deductible means less risk for your insurance company and lower rates for you. However, it also means that you need to have that much money on hand in case of an accident. If you go for a $2,000 deductible and don’t have $2,000 available after an accident, you won’t be able to get the repairs you need.
Do you live in your RV full-time, or does it sit in storage for most of the year? Do you have any permanent attachments like a satellite dish? Every company offers basic RV coverage, but the right provider for you also offers the set of add-ons that speaks to your main concerns, whether it’s full-time residency insurance or roadside assistance. Our top picks all have plenty of add-ons in addition to basic coverage.

State Farm boasts a solid score in J.D. Power’s Customer Claims Satisfaction rating among our top picks (three out of five) and sits above industry average. That means that once you do file a claim, you can expect a smooth experience. If a positive customer experience is especially important to you, State Farm is likely to deliver superior service.


While State Farm’s website recommends speaking with an agent to see what discounts are available to you for motorhome insurance, it doesn’t list any universal discounts. It’s still possible to save on your premiums, but there’s less transparency about what you may qualify for. If discounts are important to you, it’s best to get clarity from a State Farm agent on what to expect before signing up.
Snapshot is a free program that personalizes your rate based on your ACTUAL driving. The safer you drive, the more you save. The average driver saves $130 with Snapshot.** You don’t even need to be a Progressive customer to try it. Just call us and request the plug-in device. After one month of safe driving, you’ll find out how much you can save with Progressive! See more on Snapshot.
One of Progressive’s add-on coverages includes a “disappearing deductible” option. This means that each year you don’t file a claim, Progressive will drop your rate by 25%. With this method, the company boasts that you could eventually have a $0 deductible. But it only stays this way as long as you haven’t filed a claim — if you do, your deductible will go right back up. Safeco also incentivizes safe driving with low deductibles. Safeco will reduce your collision deductible by $100 each year you don’t have a claim, but this incentive caps at $500.
The Good Sam Insurance Agency replaces any RV that is totaled or stolen in its first five model years with a new, comparable RV model. This stands even if the customer is not the original owner of the vehicle. After the first five model years, customers receive the full original purchase price toward the purchase of a replacement RV. This Full Replacement Cost Coverage option protects customer RVs from depreciation, potentially saving them thousands of dollars.
×