Most RV owners utilize their vehicles for periods that are less than six months a year. For this reason, it is possible for them to acquire discounts and reductions of their insurance premiums. However, they must follow strict guidelines and fulfill certain obligations to acquire the policy at the reduced rate.
Storage for the RV
Recreational Vehicle owners who choose to store the vehicle during winter months receive a hefty discount. The reasoning behind this benefit is that the owner is protecting it from the elements by choosing a climate-controlled unit. This reduces the probability of property damage. It also decreases any possibility of devaluing of the RV.
Installing Alarm Systems
Any theft deterrent that is installed into the RV reduces the likelihood of auto theft. When Recreational Vehicle owners install alarm systems in their vehicles, they are decreasing these probabilities. When LoJack systems are installed, this eliminates the need for liability insurance at a higher level. This helps the owner to avoid unnecessary costs associated with the security of their vehicle.
Defensive Driving School
Drivers who attend a defensive driving course could receive additional discounts. This discount is available to all drivers who choose this option. It deems them a safer driver. However, some policies may require additional courses after three years.
Multiple Vehicle Discount
Through umbrella policies, the owner could acquire further discounts. These policies allow them to add their car, truck, and RVs. This could also include vessels and other water-based vehicles. It is not necessary for multiple drivers to appear on the policy. Some insurance carriers may also offer more discounts when the vehicle owner uses their services for their home and other properties.
RV owners could reduce the impact of their insurance premiums by following careful guidelines. For example, if they take extended measures to protect the vehicle from criminal acts and the elements, they could receive larger discounts. Additionally, drivers who choose higher deductibles could reduce their monthly costs considerably. The value of the RV could also affect the discounts provided. If you wish to acquire a free quote for insurance, you should contact Coast Auto Insurance Services today.
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