Each year I look forward to the time when I do some research and call RV insurance companies for a new quote. I am regularly surprised to find that the lowest is not always the expected one.
I start with last year's list and put a call out (like on FaceBook Group or Tiffin RV Network) and then add a few companies to my list. Last year we went with National Interstate but we received a note from them they were getting out of the business.
I use the same criteria and go over the same coverages with each agent to get the quote. I also make sure they know I am a Full-timer as some will not cover RVers in that category.
Next, I try to talk with someone for a quote. Most are glad to walk through the process which takes about 10-15 minutes to come up with a number. I pay in full for the entire year to get the discount and be done with it.
One thing I found is that even though a broker may offer insurance from the same company (e.g. Progressive), the often do not come up with the same price.
Here's a look at my spreadsheet:
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