Buying Insurance For Your RV

A Guide To Buying Insurance For Your RV

The cost for insurance on a recreational vehicle (RV) will depend on what class your RV is. There are three different categories, class C, B and A. An RV can be anything from a motor home to a converted bus. Many different factors will be taken into account when insuring your RV, one of these being how often you use your RV – whether you use it for vacations only or if you live in it full time.

Recreational vehicle classes

● Class C – Vehicles that have the camper extending over the cab area and that also use the cargo van for the driving section are in class C. Fifth wheel vehicles are also included in class C.

● Class B – Recreational vehicles that are under class B are often camper vans and travel trailers. These RV’s don’t have the cab over.

● Class A – The types of RVs that are a class A are those that are up to 75 ft long. They are often classed as luxury vehicles, and they’re the most expensive and largest. These include motor coaches and converted buses.

Average costs of RV Insurance

● For class B vehicles such as camper vans, an average auto insurance policy can cover the vehicles. Depending on the location, the value of the camper, the type of coverage and also the insurance company, the rates can vary quite significantly.

● For RV’s that are under class A, the average annual cost for an RV that is gas powered and used 140 days a year is around $1000 to $1300. The cost is determined by how old the RV is, what it’s value is and also by the size of the vehicle.

● When it comes to insuring travel trailers and fifth wheel vehicles, the cost is quite low compared to the cost of insuring an RV that is motorized. Depending on the age, size, value, and frequency of use of the trailer, the premium charges can differ. For those that own a fifth wheel vehicle that is of an older age and valued at around $8000, for annual coverage, it will cost around $170. A fifth wheel vehicle that is considered luxury will cost around $1300 annually if used for around 140 days a year.

● For an average sized motorized RV, they would typically come under class C. The premium cost can vary quite widely as it depends on the age of the vehicle, its location, its value, and its size and how often you use it. For a motorhome valued at around $120,000, depending on the location, the cost could be anywhere from around $800 – $3000 annually.

What does RV insurance cover?

How much coverage you receive from your RV insurance depends on what type of insurance you go for and also on the company you choose. Insurance for your RV is very similar to auto insurance, but it can also include some additional coverage that is comparable to home insurance. Additional coverage could cover any accessories that are attached to your RV, or it could be used to cover your personal belongings. Below are some other additional protection options that you can receive:

● If you live in your RV full-time, full-timer coverage could be included.
● Coverage for if you’re on vacation or in a campsite.
● Replacement coverage if your RV suffers a break-in and items are stolen.
● Coverage for if you’re in an accident with an underinsured or uninsured driver.
● Coverage for if you break down and need roadside recovery or towing.
● Coverage for any emergency expenses.

If you have any question concerning Insurance of an RV, wether you already own one or are thinking about buying a new one. Call Ed Cuellar @ (210) 647-7112

from Ed Cuellar Insurance Agency http://edcuellar.com/2016/08/22/buying-insurance-for-your-rv/
via http://edcuellar.com

Car Insurance for Any Vehicle

Car Insurance For The Most And Least Expensive Vehicles

Owning a car normally means you will need to purchase car insurance very soon after you have purchased the Vehicle. Car Insurance is mandatory in all states of the US. As useful as car insurance is, it can sometimes cost quite a bit. The price of your insurance can depend on several factors; ranging from the model of the vehicle you drive, to where you live. The companies that insure you will charge higher rates if you reside in an area where car accidents are more common, crime rates are higher, and extreme weather frequently causes damage to vehicles.

On average, sedan owners pay more for their insurance than anyone else. SUV, crossover and truck owners, tend to pay less for their insurance premiums than sedan owners. In fact, studies show that sedan owners spend on average over $100 more for their insurance than those other vehicle owners do for theirs. This lower cost may be because larger vehicles usually have higher safety ratings than the smaller varieties. The model of car that tends to cost the most to insure is predominantly Toyotas.

Insurance prices in Texas vary greatly. It costs individuals in Houston more than anyone else in Texas to insure their vehicles. Out of the nine most popular cars driven, it costs an average of $1,614 per year to insure them. Dallas is the second most expensive city in Texas to insure, with an average of $1,598 per insurance premium. Drivers in the other four Texas cities that are part of the survey sometimes pay up to $200 less than the others. These cities include San Antonio, Fort Worth, Austin, and El Paso.

According to studies taken from 15 different cities, including locations in California, SUV or crossover owners generally spend less to insure their vehicles than sedan or pickup owners do.

Insurance rates can vary by location

Insurance companies calculate how much you will be charged depending on how likely it is that you will make a claim. Even if your driving is flawless, you can still be charged a higher price if other drivers in the same area as you have accidents often.

If your vehicle has a higher chance of being stolen because of the area you live in, then the insurance price will rise. Some areas have extremely high rates of theft compared to others, and this will inevitably impact the price of insurance.

If the area where you live has frequent bad weather, such as heavy snow or rainfall, you’ll probably find yourself having to spend more on insuring a sedan. SUVs, crossovers, and pickups fair better in bad weather, so they are less likely to have an accident in dangerous weather.

How you can save money on car insurance

Despite which area you live in, or what make or model car you drive; it can save you a considerable amount of money if you thoroughly shop around for different insurance quotes. Companies vary massively on prices, while usually offering the same amount of coverage. There are a few different insurance comparison sites that you can put your details in, and then compare the prices that you are offered. These sites can be found through the use of search engines. For any questions call Ed’s office at 210-647-7112 in San Antonio
Ed Cuellar Insurance

from Ed Cuellar Insurance Agency http://edcuellar.com/2016/08/09/car-insurance-for-any-vehicle/
via http://edcuellar.com