RV insurance is a bargain compared to the devastating risk of being involved in an accident. Still, that doesn’t mean anybody wants to pay more premium than they have to; that’s why we’re always on the hunt for ways to reduce RV insurance costs without giving up valuable protection, which means more money for gas, gear, and the good life!
One of the most commonly overlooked ways to save money on RV insurance is to complete an industry-recognized RV safety course. These courses have proven to be effective at reducing accidents, injuries and overall liability. Graduates are typically so much safer on the road that some insurance companies are willing to give a discount on RV insurance premiums to those who successfully complete one or more of these qualifying courses:
- The American Automobile Association (AAA) Driver Improvement Program
- Fire and Life Safety Training Course
- RV Safety Education Foundation (RVSEF) Course
How big is the discount? That depends on a variety of underwriting factors, including your carrier, state, type of RV, age, driving record, number of miles you drive and a bunch of other things, but it’s usually enough to easily make the modest course fee worth it.
The AAA Driver Improvement Program.
This is a tremendous course that teaches the essential driving and RV handling skills that help save lives every day. There are two components to the course: 12 hours of classroom instruction and four hours of hands-on driving challenges that you take while driving your own RV.
Among the topics covered:
- Driver sensory assessment
- Defensive driving techniques
- Safety issues
- Popular destinations
The enrollment fee is $275 per person. To enroll, contact your local AAA office.
The RV Safety and Education Foundation.
RVSEF also administers a terrific RV safety and accident prevention program. Weight safety-related topics are emphasized in this course, as industry data shows that as many as 50 percent of RVs on the road exceed weight specifications – often without the knowledge of their drivers and owners.
The RVSEF safety program covers a variety of topics, including:
- Driving basics
- Safe towing procedures
- Weight specifications and safety considerations.
- Tire Safety
- Preparation and preventive maintenance
This course also provides access to industry standard scales in Merritt Island, Florida, so you can weigh your own rig. To enroll, contact RVSEF at 321-453-7673.
The Fire and Life Safety Program.
This important course is sponsored by the Family Motor Coach Association, and covers what to do if a fire breaks out. There’s a classroom component and a hands-on component. You’ll learn about the different types of fires, extinguishers, and how the different fire extinguishing products work. To enroll in the Fire and Life Safety Program, contact the Family Motor Coach Association at 800-543-3622.
Again, the discount you could receive will vary based on a number of factors, so ask your RV insurance representative what you may qualify for. If your carrier does not offer a discount for successfully completing one or more RV safety courses, perhaps it’s time to do some shopping around!
Furthermore, just being a safe driver pays off. If you and all the other operators in your family keep a clean driving record for a few years, your carrier may offer an additional ‘safe driver’ discount. You may also qualify for discounts for having certain safety-related equipment installed in your RV, such as an engine fire suppression system or LP gas protection system.
These safety discounts add up, so take advantage of all you can – and protect your investment, your family and your pocket book at the same time.
Enjoy the road, and be safe out there!