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During the cold winter months, you and your family might not have any plans to get out and explore in the RV. While the fun may have to wait until next year, you can use this time to modify your insurance policy on the vehicle to save money while still protecting the vehicle. Here's a closer look at how to manage your insurance coverage during the offseason.

3 Tips for Fall & Winter RV Insurance Coverage

1. Find Out What Your Lender Requires

If you financed your RV and are submitting monthly payments to a lender, you’ll need to check with them before making any changes to your coverage. Since you don’t yet own the vehicle outright, they may require you to retain full coverage year-round. 

Once you’ve paid off the RV, you'll have more control over the extent of your coverage. Even then, though, it will still be crucial to safeguard the vehicle from damage, theft, fire, and any other hazards it might face in storage.

2. Consider Raising Your Deductible

insurance coverage

The monthly premiums you pay toward your insurance policy have an inverse relationship with your policy’s deductible—the amount you’ll have to pay when filing a claim before the insurer takes over. Therefore, since claims are less likely in the offseason, it might make sense to raise your deductible during this time of year. That way, you can lower your premiums until the spring.

3. Remove Optional Insurance Coverage

Some aspects of your RV insurance policy just can’t be eliminated, even during the offseason. While protection against theft, vandalism, and natural disasters is crucial, you can remove some optional aspects of your coverage. 

For example, when you’re not taking your RV out, you’re not going to get into an accident or have the engine overheat. Therefore, you can safely remove towing and substitute transportation coverage from your insurance policy until you're getting ready for next year's first adventure.

 

If you're ready to adjust your RV insurance coverage this fall and winter, turn to Wilson Insurance Agency of Dalton, GA. This independent insurance company will compare a number of carriers and policies to find the best plan for you and your assets. They’re dedicated to customizing coverage and seeking out low rates. To learn more about their full range of policies, from car and home insurance to liquor liability coverage, visit the website. Call (706) 278-0549 to speak with a friendly agent about your options. 

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