RV insurance isn’t the same thing as auto insurance, though many providers give you the option to bundle the two. But RVs have specialized concerns. To start, they can carry many more people than cars, and they cost more to repair. In addition to basic coverage, RV insurance can also offer more extensive protection, with coverage for personal belongings, emergency expenses for lodging, and higher damage rates.
1 If your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, even if you’re not the original owner. After the first five model years, you will receive your full original purchase price — not a depreciated amount — toward the purchase of the replacement RV. Replacement Cost Coverage must be purchased during the RV’s model year or within the following four years.
Good customer service is especially essential when you’re in a crisis after an accident or theft. Excellent insurance providers make it easy for you to file a claim online or over the phone. They also offer accessible service 24/7 through a customer helpline or roadside assistance. If a company’s a hassle to deal with when you truly need help, it may make an already difficult situation even more trying.
Basic coverage — which is required by law — offers you protection for personal injuries and damages to the vehicle, but it won’t cover extras like your belongings inside. If you live in your RV full-time, it might also be a good idea to invest in additional protection that covers your housing expenses or RV replacement costs. Before shopping around, draw up a list of necessary coverage options and make sure they’re offered by your prospective provider.
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After hearing the endorsements and praise on KLTY each morning about Standard Insurance, I decided to give them a call! As a teacher, I was covered under a “teachers only” insurance provider and did not think I could get my insurance any cheaper than it was. That was until I called Standard! I was absolutely blown away at my savings! They literally cut my auto insurance in HALF each month! Full coverage, affordable premiums, and amazing customer service! What a complete blessing they have been! Thank you Standard!
One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We’ve sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.
Our research found that paying for car insurance in Houston can cost $2,881 per year, making it the most expensive city in our study of Texas auto insurance. Houstonians can potentially save money by considering Texas Farm Bureau, Progressive, and State Farm. These three companies' rates are 34-51% less than the average Houston auto insurance rate, according to our study.

After hearing the endorsements and praise on KLTY each morning about Standard Insurance, I decided to give them a call! As a teacher, I was covered under a “teachers only” insurance provider and did not think I could get my insurance any cheaper than it was. That was until I called Standard! I was absolutely blown away at my savings! They literally cut my auto insurance in HALF each month! Full coverage, affordable premiums, and amazing customer service! What a complete blessing they have been! Thank you Standard!
A-MAX Auto Insurance offers Texans affordable auto insurance with a package of primary coverages, which together makes up a standard auto insurance policy. Each of these auto insurance policies has its own separate premium. There are also other add-on auto insurance policies for additional premium costs. In addition to car insurance, we also offer motorcycle insurance, insurance for other vehicles like trailers and RVs, and Mexico tourist insurance.

Bodily Injury (BI) Liability provides important protection if you injure someone and/or if an injury in an accident results in death while operating your car. This form of auto insurance is important and something you want to keep at a consistent level, even as your car gets older and declines in value. In the event of a serious accident, you want enough insurance (higher limits) to protect assets that may become subject to a lawsuit.
Many of National General’s additional services are designed to save customers time after dealing with an accident. National General will pick up their damaged RV and bring customers a rental car after a claim is filed. Once the RV is repaired, National General delivers it directly back to them and takes care of returning the rental car. When facing a total loss situation, however, the company offers to refer customers to an expert who can search for the exact vehicle they want.
Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.
Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. If your risk for accidents goes down, your rates just might, too.
USAA is likely the best company for you if you are in the military or were in the military. USAA is highly regarded by the J.D. Power survey, only placing second to the Texas Farm Bureau. USAA also offers great discounts for cars parked on military bases. USAA also offers cheap rates--in many cases cheaper than GEICO. We found you may be able to get liability insurance for around $450 per year, and around $900 per year for full coverage in Dallas through USAA.
Bus-home conversions are a rapidly-growing trend that several RV insurance companies are adapting into their policies. The type of bus, however, is a prominent deciding factor in coverage, since bus axles differ from traditional RVs and aren’t built to carry a certain amount of weight. Many RV insurance companies avoid school bus-converted homes, as they have a higher risk of rollover accidents. Also, your bus-converted home must be registered as a recreational vehicle for personal use to be eligible for RV-insurance. Depending on the state where you register your vehicle, it may require your bus to comply with several requirements and meet certain standards before registration. It’s important that you check with your local department of motor vehicles beforehand.
Many providers offer discounts as rewards for “good” customer behavior. Common ones include discounts for driving safely, paying your entire annual premium upfront, keeping your RV in storage for part of the year, switching from another provider, holding membership in an RV association, or taking an RV safety course. We noted if a provider listed generous discounts available to all customers. However, many discounts vary depending on location. To see if there are any specific to your area and to compare RV insurance prices, ask an agent.

National General’s list of discounts is varied enough to provide every type of customer with a chance to lower their premiums and/or deductibles, but Baby Boomers are particularly well positioned to capitalize on them. For example, the company allows customers to bundle RV and auto policies under its One Convenient Policy program. National General also offers homeowners discounts that are easy for them to qualify for, as Boomers are more affluent than other generations on average and thus more likely to own a house and additional vehicles.
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