1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.
Any car insurance comparison tool you look at should have your state’s minimum car insurance requirements pre-loaded into its options. States requiring PIP or medpay are generally referred to as “no-fault” states, meaning that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Beyond the PIP or medpay limit, the at-fault driver’s liability insurance kicks in to cover the rest.
How much you’ll pay will depend on factors like how much you use your RV, how much coverage you want, your driving record, and your age. You may qualify for one of their discounts. For example, you can get a discount if you pay in full, if you have completed a defensive driving course, have OnStar, have low mileage, are a member of an affinity organization that provides a discount, or have multiple vehicles insured with National General.
In addition, National General offers permanent attachments coverage for items like awnings, emergency expense allowance, full-time coverage, and a storage option that allows you to save up to 53 percent on your insurance premium while you’re not using your RV. You can also combine policies for your car and RV onto one policy. That can help you save up to 20 percent on insurance and allow you to pay one deductible in case of an accident that involves both vehicles. However, if your RV’s original cost is over $500,000, National General will not insure you unless they also insure all the autos in your household.
Class C motorhomes are the classic mid-sized motorized RV, typically with a sleeping area extending above the cab area. Premiums vary based on state of residence and the size, age and market value of the motorhome, plus frequency of use. An Idaho buyer looking at a supersized Class C motorhome valued at $120,000 was quoted $3,097 a year; some owners report similar rates, but others are paying $800-$1,000 a year.
The minimum liability requirements vary from state to state, with most requiring only $50,000 in bodily injury coverage and $25,000 in property damage. However, to make sure you’re fully covered in case of an accident, we recommend policies that provide much more than the minimum. With this in mind, providers that featured a greater selection of coverage options with higher liability limits across the board ranked higher with us.