Owning an RV is a great way to see the country and spend time with family and friends. However, it’s important to remember that RVs are a significant investment, and you’ll need to purchase insurance to protect your investment. Here are a few tips to help new RV owners find the right insurance policy:
1. Determine What Type of Coverage You Need
There are several types of RV insurance, and choosing a policy that meets your specific needs is important. If you’re financing your RV, your lender may require you to purchase comprehensive and collision coverage. If you’re not financing your RV, you may still want to buy these types of coverage to protect your investment.
2. Consider Your Deductible
While a lower deductible may mean you’ll pay more in premiums, it could also mean that you’ll be less likely to have to pay out of pocket for repairs in an accident. Conversely, a higher deductible could mean you’ll pay less in premiums, but you may have to pay more out of pocket if you’re in an accident.
3. Get Written Quotes
When you’re shopping for RV insurance, be sure to get written quotes from multiple insurers. This will allow you to compare rates and coverage options side-by-side. However, be sure to compare apples to apples when you’re comparing quotes. For example, ensure the policies have the same coverage limits and deductibles.
4. Read the Fine Print
Before you purchase an RV insurance policy, be sure to read the fine print. This will help you understand what’s covered and what’s not. For example, some policies may not cover damage caused by weather or rodents. Rather than make assumptions, it’s always best to ask questions and get clarification.
Get RV Insurance in Surprise, AZ
Now that you know what to look for in a policy, Giles & Iten Insurance can help you find the right coverage for your needs. Give us a call for a free quote. We’re here to help you protect your investment.
Arizona is a state that loves its RV lifestyles, whether you are full-timers or just love the open roads on your time off in life. When you have your own RV, you will want to have RV insurance that meets your every need.
At Giles & Iten Insurance, we want Surprise, AZ residents to feel protected when they are on their road trip adventures. We know that you are excited about this time, and we don’t want you worrying about it any more than you have to.
Bodily injury and property damage are basic minimums for RV insurance. There are a number of things you can add-on to your Arizona RV insurance so that you have the most coverage that you need.
This coverage on RV insurance will protect you in the event that you are in an accident on the road. This will pay for damages of other drivers or people that are involved. It could cover property damage, medical, and court costs for you.
This could also be used in the event that someone that doesn’t live there has an accident in your RV.
Comprehensive and Collision Coverage
These coverages are often added to policies as the next level of coverage after minimum requirements. Comprehensive insurance and collision insurance will protect you from losses to your property. Collision coverage is an add-on protection that comes after you’ve been in an accident and protects you from property damage.
Comprehensive coverage will also cover you for losses and damages that are caused by something other than collision. That could include fire, theft, vandalism, or a natural weather act which is defined by the policy.
Get a Quote
There are a number of other add-ons that you can get with RV insurance in Arizona. At Giles & Iten Insurance, we help Surprise, AZ residents design the best RV insurance policy for their lifestyles. Call us for a quote today.
Those that are in the Surprise, AZ area will enjoy having access to all of the great recreational options in the southwest United States. To enjoy all of these options, you should consider getting an RV. When you have an RV, it is beneficial to work with an experienced agent to find coverage.
When Taking Out a Loan
One situation when you are going to need to get an RV insurance policy is when you intend to take out a loan. Buying an RV is a big purchase, and most purchasers will take out financing to acquire it. This can be a great way to afford an RV, but there are rules and regulations in the loan agreement that you need to follow. Most of the time, your lender will require that you get a full collision and comprehensive insurance policy.
When Using a Public Roadway
Another situation when you may need to get an RV insurance policy is when you intend to use a public roadway. People in Arizona that want to operate any type of vehicle are going to be obligated by law to carry liability insurance. This includes those that drive an RV. If you are going to use it in Arizona, you will need to have at least the minimum amount of liability coverage for both property damage and bodily injury.
Choosing an RV insurance policy is always a big decision, and not one that should be taken lightly. If you are going to purchase an RV, you should speak with the team at Giles & Iten Insurance to discuss your insurance needs. The team at Giles & Iten Insurance can help people all over the Surprise, AZ area picks insurance policies that are right for their situation.
Everywhere you go nowadays you see recreational vehicles. No matter the season of the year people are out on the open road enjoying the comforts of their RV. Protecting your RV and your financial status is the responsibility that goes along with owning the vehicle. The agents at Giles & Iten Insurance can help you understand how to do both well.
As the seasons change depending upon your desires your use of your recreational vehicle will change as well. In order to get the best out of your recreational vehicle policy you should speak with a professional today and go into details. Let your agent know how you plan to use your recreational vehicle prior to writing a policy. And if there are any changes along the way and you can always give your agent a call.
If you are not using your RV all year long then the insurance will naturally change during the course of a year. If you’re storing your RV in only need protection for theft, your insurance will change during that period. However, when you are moving and traveling in your RV your insurance needs are greater. You would have to protect the RV from theft as well as liabilities that may be incurred in the course of your travels.
Our agents know a lot about RV insurance. Come in today to speak with one of our knowledgeable agents. We are located in Surprise, AZ. Servicing the states of Arizona and California, we provide insurance products for: boat/watercraft, classic car, home, commercial, life, motorcycle and of course RV insurance. If you are in Sun City, Glendale, Peoria, Tonapah, Waddell or any other beautiful part of the northwest Phoenix area we’d love for you to stop into our office in Surprise, AZ. If you like you can give us a call at 623-201-8570.