Many drivers hesitate to spend tremendous amounts of money on insurance coverage for their new car because car insurance rates for new cars are considerably higher than those for older models with a lower resale value. But before you make a decision about your coverage based solely on how much you’re going to pay keep in mind that you’re going to be responsible for paying off your car loan right along with buying a new car.

Do you really want to be paying for two vehicles when with the right car insurance coverage you could only be paying for one?

Most states require you to carry liability insurance on your car, regardless of how much you owe on it or how long you’ve owned it. It’s sort of a pre-req to being able to take it out on the highways. Liability insurance will protect you from other drivers’ damages and expenses if you cause an accident, but it’s not going to do anything for you and your car. If you only had liability and you were in an accident you’d be left struggling to buy a new car out of pocket.

Collision insurance, on the other hand, will pick up the tab after you’ve been in an accident and pay for reparations to your car. That way you have money to pay off your car loan and/or buy a new one without breaking the bank. And your car insurance provider knows they’re not going to be left trying to wrangle money out of you without any assets to use for collateral after the fact. Can you imagine trying to collect on a debt when you don’t have anything to repossess?

Comprehensive insurance picks up the tab when Mother Nature decides to strike back for the pollution we’re pumping into the atmosphere. “Acts of God”, like hail, windstorms, ice storms, icicles and tree branches. Hey, accidents are the only things that leave us scrambling to file car insurance claims! And with comprehensive coverage you know you’re going to be protected no matter what happens.

Finally, let’s talk about uninsured and underinsured motorist insurance. It’s no secret that today’s economy is slipping. And if you don’t know all you have to do is look at the number of layoffs and the businesses that are going to under to find out! With budgets having to stretch farther than ever and unemployment on the rise many drivers are choosing to travel without car insurance-at all. And those that do may not have enough coverage to protect them if they’re in an accident.

Uninsured motorist insurance will pick up the cost of your repairs if you’re involved in an accident with one of these individuals and get you back on the road instead of making you wait months or even years to get the money back in court.

New cars are great, but they’re also a lot of work. But isn’t it nice to know that your money is going toward something as important as car insurance that’s going to help you and your family protect your financial assets instead of line someone else’s pockets?

This can be a very expensive thing especially if you are strapped tight for Money. If you are just about to sign a renewal lease with your current Auto insurance supplier you ought to do yourself a favor and stop right now.

You ought to do some research so you can acquire the best car insurance rates available. Would you like to save a couple hundred dollars each year for just doing five minutes of work?

There are several options you can make use of so you can attain the best vehicle insurance rates possible.

One method you can benefit from to discover the best car insurance rates is to go through an agent. Agents typically contact the top providers in your area to give you the best quotes possible.

It can be very time-consuming process especially if you are running short on time before you renewal is up. An alternative popular option that you can make use of to get the best auto insurance rates is to go online.

By going online you will be able to get quotes in minutes. All it takes is a little bit of work on your part in order to get the most accurate auto insurance rates.

This means that you have to be very truthful with any information you pass onto the vehicle insurance companies. You ought to let them know things such as every accident you have had in the past couple years and any traffic violations that you might have.

1. Choosing the Size and Type of RV

There are several different RV types.  The most common is the motorhome, generally speaking, the larger the unit, the more space, privacy and comfort it will afford its guests.  If you are planning to stay at one place for a long time and would like some luxury it would be a good idea to rent a Fifth Wheel.  This will enable you to park your trailer and have the ability to use the truck for daily excursions.  If you are planning to move around, drive on rougher roads or are travelling in Northern Canada or Alaska a camper would be a great choice.  Your decision will depend on how many people are travelling, where you will be going and also your budget.  Take your time deciding because your choice may make your holidays the most memorable ever or you will be so miserable you will never want to look at another RV again.  Once you know which unit you would like to rent, visit your chosen RV rental office and check out the motorhome or trailer to make sure it will meet your expectations. 

2. RV Rental Companies

Shop around, shop around, shop around.  Check out as many rental companies as possible.  When looking at prices make note of what is included in the daily, weekly or even monthly price.  Some rental companies may have packages that include all mileage, kitchen kits and insurance.  The only thing you have to pay for is gas.  Others may give you a daily rate that includes just that, the daily rate.  You will have to pay more for everything else. Take your time calculating all aspects of the rental price.  Also, it doesn’t hurt to haggle the price, you may be able to get a better deal than listed especialy if you are traveling during low season.

3. Reserving Early

If you are traveling during high season and you know which RV or trailer you would like to rent it is a good idea to book your RV early.  You will be able to secure the RV you want and you may even get a better deal.  Many companies offer discounts for reserving a few months ahead of your travel date. 

4. Basic Set Up

When you are going over the RV features and basic set up make sure you check the leveling system and gauges.  Gate valves for emptying grey and black tanks should close all the way and work smoothly without sticking.  You don’t want to be splashed by a bit of sewage when the dust cap is take off. Adjust mirrors to needed position and check to see if they are firmly mounted and that they can be adjusted to needed position. Make sure everything is in proper working condition.

5. Insurance

RV rental companies are specialists in the business and offer reasonably priced, comprehensive insurance plans. Purchasing insurance coverage is a good idea and will help ease any concerns about driving an expensive motorhome or trailer. A second option may be auto insurance, speak to your insurance agent to find out if you are covered for the motorhome you want to rent. 

6. Being Safe on the Road

Pick up your RV early.  Drive it around a few blocks and test all the features yourself.  You could come across a problem the mechanics may have missed.  If this is the case you still have time to swap the motorhome for a new one instead of finding out 300 miles into your trip.

7. Kits

There are many different types of kits depending on the rental company you choose.  They could be called by any one of these names; housekeeping kits, kitchen kits, personal convenience kits, vehicle supply kits among others.  If you are flying to a city where you will be renting an rv and the only items you are bringing with you is your camera, personal items and clothes make sure you purchase all the necessary kits.  Some rental companies may even supply a flashlight and axe for the campfire.  They may also rent camping chairs, barbecues, bicycles, TV, DVD and other items to add to your fun. 

8. Campgrounds and RV Parks

Canadian and US campgrounds offer camp sites ranging from back-to-nature basics in a wilderness setting, full facility campgrounds for RVs, quiet scenic camping sites, or RV parks with full resort facilities and amenities for families with children. When selecting an RV campground, it is important to plan ahead. Otherwise, you could arrive at your destination, only to find no place to stay.  During peak season it is rare to find a campground without reserving.  It is a good idea to purchase a couple of campground guides.  They will give you information about fees and facilities.

9. Alternative Transportation

Unless you are pulling a trailer that you can unhook from your car you may need to plan for another way of getting around when you finally arrive at your destination.  It may be enough to pack a couple of bicycles, there are more and more foldable bikes on the market that are comparable to regular bikes.  They are easy to store and fun to ride.  A lot of experienced motorhome travelers tow a small car or bring along a small motorized scooter.  Enjoyment of your vacation may depend on how you handle transportation needs once you park your motorhome at a campground or rv park. 
 
10.  Secure your Load

Make sure everything in your trailer is put away in cabinets and whatever is not in cabinets is safely tied down so it can’t move. Checking the fridge is a good idea to make sure there is nothing that will spill or be thrown around during the trip. You wouldn’t want to get to your destination and find a fridge full of broken eggs or spilled milk. Not a fun way to start your trip.

Happy Travels!!