Are There Any Discounts Available For Camper Van Insurance?

Are you the proud owner of a camper van, ready to hit the open road and explore new destinations? If so, it’s important to make sure you have proper insurance coverage for your vehicle.

Camper van insurance is essential for protecting yourself and your investment in case of accidents or other incidents on the road. However, like any other type of insurance, camper van coverage can be expensive.

That’s why it’s important to explore ways to save money on your policy. Luckily, there are several discounts available that can help make your insurance more affordable.

What is Camper Van Insurance?

Camper van insurance is a type of auto insurance that specifically covers recreational vehicles such as motorhomes, campervans, or travel trailers. It provides protection against accidents, theft, damage caused by weather or natural disasters, and liability claims from other drivers.

It’s important to note that many states require some form of liability coverage for RVs just as they do for cars. However, camper van owners may also choose to purchase additional coverage such as comprehensive or collision insurance to protect their vehicle in case of damage or loss.

The Cost of Camper Van Insurance

The cost of camper van insurance varies depending on several factors such as the age and value of the vehicle, driving history, location, and level of coverage needed. On average, camper van owners can expect to pay anywhere from $800 to $2,000 per year for their policy.

While this may seem like a hefty expense at first glance, it’s important to remember that having proper insurance is crucial for protecting both yourself and others on the road. Plus, there are several ways you can save money on your policy without sacrificing necessary coverage.

The Importance of Discounts

One of the most effective ways to save money on camper van insurance is to take advantage of available discounts. Insurance providers offer a variety of discounts that can help lower your premiums, such as safe driver discounts for those with a good driving record, multi-policy discounts for bundling your insurance policies together, and good student discounts for young drivers who maintain high grades.

By taking advantage of these discounts, you can significantly reduce the cost of your policy without sacrificing necessary coverage. In addition, many insurance companies offer unique camper van-specific discounts that can help you save even more.

Types of Discounts

The Safe Driver Discount

One of the most common discounts available for camper van insurance is the safe driver discount. This discount rewards drivers who have a clean driving record and have not been involved in any accidents or received any traffic violations.

Insurance companies see these drivers as low-risk and are willing to offer them a lower rate. To qualify for this discount, you must maintain a good driving record, typically for three to five years.

The Multi-Policy Discount

Another type of discount available is the multi-policy discount. If you have additional insurance policies such as homeowner’s or renter’s insurance with the same company providing your camper van insurance, you may qualify for a discounted rate on all policies.

This is because insurers want to encourage customers to use their services across various products.

The Good Student Discount

If you’re still studying or have kids that are studying, there may be an opportunity to save on your camper van insurance with a good student discount.

Typically, this discount applies to students who maintain a certain GPA (usually 3.0 or higher) and provide proof of their academic status. Insurance companies assume that students who excel in academics are more likely to be responsible drivers.

The Low Mileage Discount

If you don’t plan on using your camper van every day, then it might be worth looking into the low mileage discount offered by many insurers. This type of discount rewards drivers who drive less than a certain number of miles per year (usually under 7,500).

The logic behind this is simple: if you don’t drive your vehicle much, there’s less chance of getting into an accident.

The Storage Discount

If you live in an area where it’s not practical to use your camper van year-round due to weather conditions or other factors, you may qualify for a storage discount. This discount applies to drivers who store their camper van in a garage or other secure location when not in use. Because the vehicle is less likely to be damaged or stolen while it’s parked, insurers may offer a lower rate.

There are several types of discounts available for camper van insurance. These include the safe driver discount, multi-policy discount, good student discount, low mileage discount, and storage discount.

By understanding these different types of discounts and how they work, you can identify opportunities to save money on your insurance premiums while still getting the protection you need. Be sure to ask your insurance provider about any available discounts and compare rates from different companies before making a final decision.

Camper Van-Specific Discounts

When it comes to camper van insurance, there are a few discounts that are unique to this type of vehicle. These discounts take into consideration the fact that camper vans are not typically driven as often as regular cars and may spend a significant amount of time parked in storage.

One example of a camper van-specific discount is a low mileage discount. This type of discount rewards drivers who do not put many miles on their camper van each year.

Insurance companies consider vehicles with lower annual mileage to be less risky, which can result in lower insurance premiums. If you only use your camper van for occasional weekend trips and store it for the rest of the year, you may be eligible for this type of discount.

Another example is a storage discount. If you store your camper van in a secure location such as a garage or storage facility when it’s not being used, some insurance companies will offer you a lower rate.

This is because storing your vehicle indoors reduces the risk of theft or damage from weather-related events such as hailstorms. In addition to these two main discounts, some insurance companies may offer other specific discounts for certain types of modifications or safety features on your camper van.

For example, if you have installed an alarm system or GPS tracking device, you may qualify for additional savings. It’s important to note that not all insurance companies offer these types of discounts for camper vans, so be sure to check with different providers and compare rates before making a decision.

Overall, taking advantage of camper-van-specific discounts can help reduce the cost of your insurance premiums over time while still providing adequate coverage for your vehicle. By considering factors like low mileage and secure storage options, you can potentially save hundreds or even thousands of dollars on your policy over the lifetime of your vehicle.

How to Find Discounts

Camper van insurance can be pricey, but there are ways to save money. One of the most effective strategies is finding discounts. Here are some tips on how to search for discounts that can help you save on your camper van insurance policy.

1. Ask An Agent

A good place to start looking for camper van insurance discounts is by asking your agent. Your agent should be able to let you know what discounts are available and if you qualify for any of them. Agents often have access to carrier-specific discounts that may not be advertised on their website or through other channels.

When speaking with an agent, it’s important to ask specific questions about what qualifies for a discount. For example, some carriers may offer a discount if you’ve taken a defensive driving course or if your camper van is equipped with certain safety features.

2. Search Online

Another great option for finding camper van insurance discounts is by searching online. Many carriers provide information about available discounts and the qualifications necessary to earn them on their websites.

When looking online, make sure you’re visiting reputable sites and not falling for any scams or fake offers. Some resources like independent agents and comparison sites can also help you find the best deals from multiple carriers in one convenient place.

3. Compare Quotes

Once you’ve identified potentially qualifying discounts, it’s important to compare quotes from multiple companies before making a final decision. Comparing quotes allows you to see which company offers the best value based on your specific needs and qualifications.

The price of camper van insurance varies widely among insurers based on factors such as age, driving history, location, model year and coverage levels so make sure that when comparing policies – ensure they offer similar levels of coverage.

It’s important to take the time to shop around for coverage that meets your needs and budget. Keep in mind that finding the right camper van insurance policy may require some effort, but it’s well worth it if you’re able to save money on your premium while still getting the coverage you need.

Finding discounts on camper van insurance requires a little bit of research, but it can pay off big time in terms of reduced premiums. By asking an agent, searching online, and comparing quotes from multiple carriers, you can find the best deal for your budget and protect your investment without breaking the bank.

Other Ways to Save Money on Camper Van Insurance

The Deductible Dilemma: How Increasing Your Deductible Can Save You Money

One way to potentially lower your insurance premium is by increasing your deductible. A deductible is the amount of money you pay out of pocket before insurance coverage kicks in. By raising your deductible, you may be able to pay a lower monthly premium.

However, it’s important to consider whether you can afford to pay a higher amount if an accident were to occur. If you have a higher deductible, make sure you have enough savings set aside in case of an emergency.

Bundling for Savings: The Pros and Cons of Combining Your Camper Van Insurance With Other Vehicles

Another option for saving money on camper van insurance is bundling it with other insurance policies, such as home or car insurance. By combining policies with the same insurer, you may be eligible for a multi-policy discount.

This can lead to savings of up to 25% off each policy’s premium. However, there are also potential downsides to bundling.

If one policy has a claim filed against it, it could affect all the policies in the bundle and potentially increase the premiums for each one. Additionally, if another insurer offers better rates for specific types of coverage (such as comprehensive or collision), it may be more cost-effective to go with separate providers.

Finding Additional Discounts: What Else Can You Do To Lower Your Premiums?

There are several other ways that camper van owners can potentially save money on their insurance premiums:

  • Install safety features such as alarms or anti-theft devices
  • Take a defensive driving course
  • Join an RV association or club that offers discounted rates
  • Keep your driving record clean and avoid traffic violations

By taking advantage of these additional discounts and strategies, camper van owners can potentially save hundreds of dollars each year on their insurance premiums.

Related: Does My Regular Auto Insurance Policy Cover My Camper Van?


Camping is a wonderful way to explore the great outdoors and create lasting memories with your loved ones. However, it’s essential to have proper insurance coverage for your camper van to protect yourself and your vehicle in case of an accident or theft.

Luckily, there are various discounts available that can help you save money on camper van insurance. By applying for safe driver discounts, multi-policy discounts or other camper van-specific discounts such as storage or low mileage, you can reduce your premiums significantly.

If you’re looking for affordable coverage, it’s important to shop around and compare quotes from multiple insurance companies. Don’t be afraid to ask agents about available discounts or search online for more information.

In addition to discounts, there are other ways to save money on camper van insurance such as increasing deductibles or bundling with other vehicles. It’s crucial to weigh the pros and cons of each option and choose what works best for you.

Remember that finding affordable camper van insurance is possible with a little research and effort. By taking advantage of available discounts and exploring all your options, you can enjoy worry-free camping adventures without breaking the bank.

So go ahead and plan your next camping trip without any worries! With proper insurance coverage at an affordable price, it’s time to make the most of your camper van travels.

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