Friday, March 9, 2018

RV Insurance Time Again

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:
This is a series of snapshots of my spreadsheet.  If you'd like a copy of the actual Excel file, I'd be glad to send it to you.

Thanks for joining us today on the Roadrunner Chronicles!


  1. Hi Randy! Yes, I would like a copy of your insurance worksheet as we are coming up on our 2nd year of full time RVers and I should begin the quote process as well. Many thanks! We have enjoyed following your blog way back before we hit the road.
    Our blog is
    Randy Shake

  2. Thank you Randy, we would also love a copy of your spreadsheet. Sue and Mo at MoHo Travels. Thanks so much for offering to share! Not sure where I should send my email but I'll look

  3. I also would love to have a copy of your spreadsheet. Thanks,
    Fred Hagedorn

  4. Interested in copy of your insurance spreadsheet. Just ordered new MH and going full time in April and need to shop for insurance. I know a different situation then yours but your list will be a good start to calling around for pricing on a new coach.

  5. I just renewed with Good Sams - Progressive in Jan and had similar numbers

  6. Is there a chance you could send me the insurance spreadsheet. We plan on buying and going full timing in late 2019 and this info would help. My email address is Appreciate reading your blog and posts. Thanks