| Did you know that there are 3 primary channels for | | | | providers. As an example, U.S. Insurance Zone |
| buying RV insurance: | | | | enables consumers to get quotes. These online quote |
| Through an Agent | | | | services don't sell insurance directly, but facilitate a |
| Buying Direct | | | | relationship between interested consumers and |
| Online Quote Services | | | | insurance providers. In other words, they help match |
| Through an Agent | | | | buyers and sellers of insurance. |
| Agents represent insurance companies and act as an | | | | RV owners can find RV insurance through many RV |
| intermediary between insurance companies and the | | | | dealerships and some RV associations too. Some of |
| consumer. There are two different types of agents: | | | | these organizations have their own internal insurance |
| Captive or Exclusive Agents | | | | agencies and licensed agents which enables them to |
| These are agents like State Farm agents who | | | | sell insurance policies. Other dealerships and |
| represent a full range of products from one carrier. | | | | associations have formal referral relationships with |
| These agents will usually only sell insurance products | | | | insurance agencies or insurance companies that sell |
| from one carrier. As an example, a State Farm agent | | | | direct. |
| will only sell State Farm products. | | | | Commercial Usage of RVs |
| Independent agents | | | | If you want to lease/rent your RV, you will first |
| These agents typically represent a variety of | | | | want to explore your insurance options. The cost of |
| insurance companies. Therefore, they have the ability | | | | insurance for having rental coverage can be very high |
| to generate competitive quotes from several | | | | and few insurance companies offer it. If you rent |
| insurance companies. Independent agents can provide | | | | your RV without such coverage's, however, there |
| more insurance options for a consumer and help | | | | are usually exclusions in your RV policy that prohibit |
| match the consumer's unique needs and preferences | | | | such use. Therefore, if a renter has an accident or |
| with an appropriate insurance option. For example, | | | | causes damage, your insurance company will most |
| Explorer RV Insurance is an independent agency that | | | | likely deny the claim. |
| sells products of National Interstate Insurance | | | | If you intend to use your RV for other business |
| Company, Great American Insurance Company, Drive | | | | uses, such as a mobile hotel, an onsite business |
| Insurance from Progressive, RLI, | | | | location, a mobile service business, or other |
| PersonalUmbrella.com, and several others. | | | | sales-related uses, the RV must be under a |
| Buying Direct | | | | commercial policy. Most commercial vehicle policies do |
| More and more insurance companies are selling | | | | not have specialized RV coverage's. A few |
| directly to the consumer rather than through agents. | | | | companies, such as National Interstate Insurance |
| Examples of companies doing this are Progressive | | | | Company, offer a commercial policy for RV's used in |
| Direct, and GMAC. Many consumers prefer the | | | | business. |
| independence of shopping for insurance themselves | | | | Your RV insurance can and should fit your RV. To |
| and have a greater comfort level purchasing | | | | get a free RV insurance quote with absolutely no |
| insurance this way. Many first-time RV insurance | | | | obligation, I recommend Explorer RV Insurance |
| buyers, however, prefer the counsel of an agent. | | | | Agency, Inc. you can call 1-888-774-6778. |
| Online Quote Services | | | | Happy Camping, |
| There are an increasing number of online quote | | | | Copyright 2006 by Mark J. |
| services that help match consumers and insurance | | | | |