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No agent needed in most cases because you are dealing directly with the insurance company on its own secure website. Buying insurance online is in many cases a simple do-it-yourself process. Some companies even offer a discount for online applications. Most companies have what is known as a “policy fee” or “application fee”. It s their way of off-setting some of the expenses incurred when the company begins the underwriting process. Celtic Insurance, for example, has a one time $25 application fee. If you apply online, this fee is waived. You can usually find more plans from which to choose online. Many agents will try to sell you the plan(s) that they would prefer selling as opposed to what may be the best plan of choice for you. Most companies have a page where you can generate your own individual quote for the plans you are most interested in purchasing. As a rule, the quotes you generate are free and you can get quotes for more than one plan. If, after you get your quotes, yo (more...)

For those who are buying an RV, you may be wondering about RV insurance. Is it necessary? What kinds of RVs are covered by RV insurance? Is it the same as an extended warranty? Each of these questions is important and you should know the answers before you purchase a new or used RV.

1. Can I just use an auto insurance policy? Yes, you can. But, an RV insurance policy will cover the parts of the RV that the auto policy will not such as the stairs, the slideouts, and the awnings. These are some of the most common claims made for RVs. Not only that, if you have a towable RV or truck camper your automobile insurance will not cover it at all. If you have a towable, with some insurers you can have a combined policy which will cover the RV and the tow vehicle for a discounted price.

2. Where can I find RV insurance? You can find it through a regular insurance company, but they will not have the variety of products and RV policies that a company that specializes in RV insurance will have (more...)