Low-Cost RV and Motorhome Insurance Available Online

People buy RVs and motorhomes for a variety of reasons, but mostly it boils down to the lure of hitting the open road and saving money otherwise spent on hotels and meals. And now, with the lessons we’ve learned from Covid-19, traveling in your own self-contained apparatus just makes sense. At Freeway Insurance, we offer competitive RV and motorhome insurance rates for your peace of mind.

In most states, your self-powered RV or motorhome requires the same liability insurance you purchase for your passenger vehicles. Depending on the state, that minimum liability coverage either pays for your or the other driver’s medical and property damage costs in the event of an accident – up to your policy limit.

An RV is a serious investment for most people and is also connected to a sense of freedom and achievement. Let Freeway Insurance help you take the proper steps to protect your RV today.

For most people, the two terms mean the same thing, but the difference is that all motorhomes are RVs, while not all RVs are motorhomes. Motorhomes are self-propelled and contain most of the amenities of home and while the term RV can certainly encompass motorhomes, it also describes smaller units, such as towable campers.

Towable campers don’t typically need vehicle insurance.

The answer to this is it depends on exactly what you are talking about when you say motorhome. In the case of Class A, B or C motorhomes, you’ll need – at a minimum – the state-required amount of vehicle insurance.

Just as is the case with passenger vehicles, some motorists decide to add more protection to RVs for additional peace of mind. If your RV is involved in an accident, the costs for injuries and property damage can add up quickly since an RV is typically much larger than regular passenger vehicles. As the person making the decisions about your vehicle insurance needs, you get to decide the amounts you want to insure up to in coverage.

Additionally, you can choose to buy full coverage insurance, which includes liability, plus collision (your damage costs) and comprehensive (damage caused by other than a car accident, such as theft or fire).

The answer to that question will depend a lot on the coverage you choose for your RV or motorhome as outlined in the paragraph above. Much like regular car insurance, there are a variety of factors insurance companies will take into consideration when quoting you a premium, including:

Yes! Just like other forms of car insurance, your insurance company is happy to help you find ways to save on your insurance in the form of discounts. Some ways you can save on your RV insurance include:

These are just a couple of the available discounts. Find out what you qualify for by talking to your Freeway Insurance agent.

Class A, B and C RVs and motorhomes generally need insurance before they can get on the road, including: