If you would like to get a better deal on your RV insurance rates and potentially save 100s of dollars a year, this article will show some things that will help.
  The following are some on the main factors which directly affect you rate.
  The first group is factors you can control or related directly to the driver, the second group are factors you can't really control but are good to know about any way.
  Driving Record - Do you have any outstanding ticket or have you have you had any recent accidents.
Accidents typically stay on your record for 3 years and tickets stay on their for up to 2 years.
   Other important factors to consider are have you driven an RV before and what it your age and gender.
Tip:  Most rv insurance companies base their RV insurance quotes predominately on who is the primary driver.
  If you and your spouse drive about the same amount, make sure the one with the best record is listed as the primary driver.
Another tip: After 2 or 3 years of driving an RV and having a good driving record, check to see if you can't get your RV insurance rate lowered.
Location of the RV- Believe it or not insurance rates do very by state for a couple of different reasons.
  For one, some state are more prone to flooding and hurricanes than other.
  Insurance companies will want to know where you store your RV.
  Also different state set different requirements as to what type of coverage they allow insurance companies to offer.
Tip:  If you live on the state border, check how much it would be insure your rv in the other state.
  If you spend half the year in one state and half the year in another, find out which state has better rates.
RV Full timer vs.
Weekender RV How often you use your RV will affect the rv insurance rate the insurance company gives you.
  Higher use policies will usually be more expensive.
  If you travel all over the country, you may want a policy that you can take with you, to provide you useful insurance where ever you go.