How We Insured Our RV & Car
I purchased a car about a year and a half ago. A 2005 Honda Accord. If I haven’t mentioned, I LOVE to drive. Having a car in Chicago was something people warned me not to do – parking is a pain, you really won’t use it that much, it’s expensive, etc. These things are all somewhat true. But for me, having the option to be able to walk outside, jump in my car, and go wherever I want, is worth the hassle. In other words:
When we set off to purchase the RV, we called my car insurance provider, Esurance, to see what they could do about insuring the RV. This ended up being way more complicated than anticipated. Esurance doesn’t insure motorhomes themselves, so they transferred me to an affiliate company. Part of the issue was that we live in Chicago, but were buying and storing the RV in Michigan, so we had to figure out how and where we needed to register it. The affiliate company transferred me to 2 other people, who had varying opinions on what we needed to do. In the end, we were told that they wouldn’t be able to insure us at all, because they couldn’t insure a motorhome unless they were also insuring a car along with it in the same state… Which just seems silly. It was all very unclear. At one point the guy I was speaking to recommended that I try to put the RV under my parent’s insurance plan since they live in Michigan and then just pay my parents every month directly…. right.
We were feeling confused and discouraged, so we did some more research and discovered Good Sam, an insurance company that specializes in RVs and motorhomes. We spent about 10 minutes on the phone with them and we were all set with a plan that seems pretty damn good. It was INCREDIBLY easy. We insured the RV only, since my car was still insured by Esurance, but many people recommended to us that we put them under the same plan. (That way, if something goes wrong you only have to deal with 1 nightmare insurance interaction rather than two entirely separate nightmares. I would like to order fewer nightmares please.)
It turns out I was able to switch my car over to Good Sam with another 5 minute phone call, and it is going to save me at least $200 a year, which is amazing and wonderful. So now I am insuring 2 vehicles, one of them being a moving home, for less than I was insuring one vehicle in Chicago. I know, I don’t understand either. But, happy days!
My takeaway from this: It really makes sense to insure through someone who specializes in RVs. I also feel much more comfortable knowing that our insurance provider is aware that we are living the the RV full time and makes special accommodations for that. They even have a clause that allows us to stay in a hotel room if the RV is being repaired. I image that would be a godsend in the right (wrong) circumstances. It is nice having the whole process be a one-stop shop anyway, it definitely simplified things for us. Next up: figuring how to tow this dang car.