When you are getting ready to hit the road in your RV, you need to make sure that it is insured properly.  However, you may find that it is rather difficult to find cheap Florida RV insurance.  There are many factors that go into determining RV insurance rates, and understanding them will help you make the best decision for your RV insurance.

Florida Storage

While crime rates in Florida are lower than other areas, the potential for hurricanes does affect your insurance rates.  If you are storing your RV in Florida, the increased possibility for water and wind damage will result in higher rates.

Recreational or Full Time Use

There are different policies available for those that use their RVs for recreational use, such as on the weekends, and full time use that involves significant travel.  When looking for cheap Florida RV insurance, you want to make sure that you take advantage of these differences.  However, you must be honest about your use, otherwise you could end up paying fines and other costs if the truth comes out after an accident.

Policy Discounts

You can also help yourself in finding cheap Florida RV insurance by taking advantage of policy discounts.  Most insurance companies offer discounts when you have multiple policies, such as auto, homeowner’s, and the like.  Additionally, most companies will also provide discounts for those who are members of RV associations, so be sure to mention this when looking for insurance.

Deductibles

Insurance companies offer varying ranges of deductibles, but it is important to remember that the if you choose the lowest deductible amount, you will pay a higher premium.  However, if you choose a higher deductible amount in an effort to find cheap Florida RV insurance premiums, make sure you actually have access to the higher deductible amount if you are ever in an accident.  You will have to pay this amount before your insurance policy kicks in, which could result in legal and financial difficulties if you are unable to pay the deductible amount.

RV Experience

If you have several years of experience driving a recreational vehicle, it will help you in your efforts to find cheap Florida RV insurance.  Many insurance companies provide discounts based on experience, so make sure your agent is aware of your RV driving history.

RV Class

RVs come in different classes, which affect insurance rates.  Class A motor homes are the largest options available (usually up to 45 feet in length), Class B vehicles are designed for up to 4 passengers and resemble vans, and Class C RVs are typically around 30 feet in length with an over-cab design.  Choosing a Class C vehicle will help with finding cheap Florida RV insurance.

There are many factors that go into determining RV insurance rates.  It is important that you mention any of these factors that apply to you when getting insurance quotes so that you can take advantage of the potential discounts and lower RV insurance costs.