Not every apple is the same...

Here’s how.

Rates tend to vary for the same coverage

When you compare RV insurance quotes, you receive a range of prices for comparable or in some cases identical coverage. Pricing varies from one underwriter to the next. Why, you ask?

Well, simply put when determining the premium several key factors are considered such as age, driving record and marital status.  The various underwriters place different levels of  importance on their key factors when determining their associate rates. The underwriters will also note the type of RV along with various other components, such as where you keep the unit or in some cases where you have decided to register, and the insurer's own claims history will also play a role.

Each RV insurance company has its own formula for determining how such factors affect policy premiums causing your rates to vary from one underwriter to another, even for the same coverage. This is a key reason why it's so important to compare RV insurance rates.   

Your RV insurance needs and your personal circumstance change

As your circumstances change, so do your insurance needs.  Some key triggers that create significant premium changes include:

• Change in marital status

• Birthdays (Age tiers vary from underwriter to underwriter)

• Homeownership status

• Frequency of use