RV Insurance for Seniors
If you drive an RV or motorhome, your car insurance and your RV coverage are separate questions, and this site is about the second one.
What changes once you're insuring an RV, not just a car
Your insurer will ask about the RV itself, not just about you. How it's built, how it's used, and whether anyone lives in it part of the year all matter to them in a way they don't for a regular car.
What doesn't change is that your driving record still carries weight. A long history behind the wheel still counts for something, RV or not.
What sets your rate on an RV policy
The type of RV matters first. A towable trailer, a camper van, and a large motorhome are priced differently because they carry different risks and different repair costs.
How you use it matters too. An RV that sits most of the year and comes out for a few trips is a different risk than one you live in for months at a time, and insurers price that difference.
Your driving record still applies here the same way it does on a car policy. A clean record works in your favor whether you're insuring a sedan or a motorhome.
Where RV owners overpay
The most common mistake is carrying a policy written for how the RV used to be used, not how it's used now. If you drive it less, store it differently, or use it for longer stretches than you did when you bought the policy, that's worth checking.
At every renewal, it's worth asking whether your coverage still matches how you actually use the RV, since that's usually where the rate is out of date.
See what RV coverage looks like for drivers your age.
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