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Motorhome Insurance: How to get the best rates

Motorhome Insurance: How to get the best rates

When it comes to motorhome insurance, everyone wants to get the best deal. However, not everyone knows how to go about getting the best insurance at the most affordable rates. It can become quite tricky trying to find the lowest rates with the best benefits. In this article, we’ll share a few industry tips to help you on how to get the best motorhome insurance rates.

 

Don’t Take for Granted That One Firm Is the Cheapest

Don’t Take for Granted That One Firm Is the Cheapest

 

Every insurance firm in history has advocated through very expensive radio and television commercials that their insurance rates are the cheapest and most comprehensive. Remember that insurance rates are based on each individual’s specific needs, which means one person may get better rates than another. 

 

There are various factors that insurance firms take into consideration when determining the cost of insurance. We recommend you do some shopping around to find the best insurance quote before committing. 

 

Consider Local and Regional Insurance Firms

Consider Local and Regional Insurance Firms

 

When shopping around for the best insurance quote, you shouldn’t forget about local and regional insurance firms. Smaller insurance firms typically have much better customer service. They’ll more than likely be more accommodating when giving you an insurance quote since their customer base is significantly smaller than large national insurance firms.

 

Don’t Be Shy To Ask for Discounts

Don’t Be Shy To Ask for Discounts

 

This is especially handy when you’re dealing with a small insurance provider. Should you already have property insurance (or other vehicles) with a firm, you could also ask for a discount on your existing policy if everything gets bundled into a single monthly rate. 

 

There are various other ways that you can insist on a discount. You could mention that you have a clean driving record. You could also pay your insurance policy six months in advance. Furthermore, you could ask for a discount because of certain affiliations you may have. 

 

Pay-per-Kilometre Insurance

 

Another great way to get motorhome insurance discounted is to ask the insurer for a pay-per-kilometre insurance rate. For example, if you only use your motorhome during the summer to take your family on holidays, you should be able to pay less on insurance since the motorhome isn’t that much on the road. 

 

You’ll need to give the insurance company permission to track the vehicle for this option to work for you. The insurance company will ask if they can install a tracking device in your motorhome. 

 

Raising the Deductible

Raising the Deductible

 

Should you choose to purchase collision and comprehensive insurance, you can save a few bucks by asking for increased deductibles. This could lower your monthly insurance fees considerably. 

 

However, this should be a last resort since you never know when Murphy may stick his ugly head out. You don’t want to be caught with damages that you can’t afford should you have an accident.

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