Owning an RV provides unique freedom. You can travel in ways inaccessible to the masses, and you can maintain comfort and autonomy at a completely different level. But, as they say, there’s no such thing as a free lunch. If you really value your RV, you need ways to protect it. Living in Charlotte, NC, protecting your RV is best done through proper insurance. Take a look at some of the ways Jim Boyce Insurance can help you optimize your policy to expand coverage and save money.

Common Options

Optimizing your insurance starts with understanding your options. When it comes to covering RV’s, things are a little different from primary vehicles. Because they drive, you still need basic liability in every state. Since they represent a much larger investment than your average used clunker, you probably want more than just liability. At the extreme end of the spectrum, you can get total loss replacement. The premiums for this coverage will be based on the value of the vehicle. Aside from that, you can get vacation coverage that protects you from vacation-specific expenses, emergency expense coverage, roadside assistance and full-timer coverage. Full-timer coverage is intended for those who use their RV as their full-time residence.

Managing Costs

Once you know which options are right for you, you can manage your costs by looking for key ways to save. The biggest factor is the classification of your RV. This classification is based solely on size and will come in categories A, B or C. Some insurers make mistakes, so double check that you aren’t getting coverage for the wrong RV class. Aside from that, the typical driving savings can apply. You can look for safe driving discounts and insurance bundles. Most importantly, RV insurance doesn’t have to be available year-round. You can consider seasonal or part-time coverage if your RV is safely stored for significant and regular chunks of the year.

Overall, your best way to save money is to simply talk with your Jim Boyce Insurance representatives. Ask about ways to save money or improve coverage. An easy conversation is a powerful tool, and as soon as you start saving money on insurance, you have more freedom to travel beyond Charlotte, NC, and to the world beyond.