Our Ford F450

Insurance For Tow or Towed Vehicles

This page is pretty straightforward, so we will not spend a lot of time on insurance for the vehicle used to tow a fifth wheel or travel trailer or for the vehicle towed behind a motorhome.

Here we will simply provide details of our own situation, leave you with some basic advice on keeping premiums low, and provide a few links to get quotes.

Our Search For Vehicle Insurance

When this all began for us, we had two vehicles either of which we could have towed with a motorhome, but neither of which could be used to tow a trailer of any size.

Once we determined we wanted a fifth wheel, we knew we would be selling both our previous vehicles and buying a new truck.

We purchased the truck shortly after selling Linda's Suzuki, but before we took delivery of the fifth wheel (we had to have some way to get the Cambridge to Louisville, KY from Akron, OH).

Of course we did what many of you will do - got quotes from the insurance company we had at the time. Then as I recounted on the RV Insurance Considerations page, we got quotes from GMAC through the Good Sam Club.

Our insurance company could not do RV insurance or provide quotes for any other state besides Kentucky. GMAC seemed put out by my request for multi-state quotes.

It was Miller RV Insurance to the rescue. They gave us quotes for four states on the RV and truck, with and without multiple policy discounts, and told us how different levels of deductibles changed the premiums for various levels of coverage. It can be painful quoting so many different options, but our customer service rep was patient and polite.

Again, Miller RV Insurance is based out of Oregon and is endorsed by Escapees and the Family Motor Coach Association. We did everything over the phone and through email.

We recommend Miller RV Insurance very highly (and we don't even get a referral fee, affiliate commission, or any type of payment) :)

Our Policy
Drive Insurance by Progressive
March 29, 2008 - March 29, 2009

  • $285 Comprehensive $48,000; $250 deductible
  • $115 Collision $48,000; $250 deductible
  • $201 Liability to Others: Injury $250,000/$500,000, Property $100,000
  • $27 Uninsured Motorist $250,000 person/$500,000 accident
  • $28 Underinsured Motorist $250,000 person/$500,000 accident
  • $21 Basic Personal Injury Protection $10,000
  • $26 Medical Payments $10,000 person

  • $775.42 Total Premium (incuding taxes, miscellaneous coverages, and disappearing deductible)


    March 29, 2007 - March 29, 2008
  • $245 Comprehensive $48,000; $500 deductible
  • $162 Collision $48,000; $500 deductible
  • $127 Liability to Others: Injury $250,000/$500,000, Property $100,000
  • $27 Uninsured Motorist $250,000 person/$500,000 accident
  • $27 Underinsured Motorist $250,000 person/$500,000 accident
  • $24 Basic Personal Injury Protection $10,000
  • $25 Medical Payments $10,000 person

  • $704.64 Total Premium (incuding taxes, miscellaneous coverages, and disappearing deductible)


    March 29, 2006 - March 29, 2007
  • $245 Comprehensive $48,000; $750 deductible
  • $162 Collision $48,000; $750 deductible
  • $117 Liability to Others: Injury $250,000/$500,000, Property $100,000
  • $27 Uninsured Motorist $250,000 person/$500,000 accident
  • $27 Underinsured Motorist $250,000 person/$500,000 accident
  • $24 Basic Personal Injury Protection $10,000
  • $25 Medical Payments $10,000 person

  • $692.84 Total Premium (incuding taxes, miscellaneous coverages, and disappearing deductible)


    March 29, 2005 - March 29, 2006
  • $239 Comprehensive $48,000; $1,000 deductible
  • $191 Collision $48,000; $1,000 deductible
  • $130 Liability to Others: Injury $250,000/$500,000, Property $100,000
  • $28 Uninsured Motorist $250,000 person/$500,000 accident
  • $28 Underinsured Motorist $250,000 person/$500,000 accident
  • $24 Basic Personal Injury Protection $10,000
  • $20 Medical Payments $10,000 person

  • $729.30 Total Premium (incuding taxes, miscellaneous coverages, and disappearing deductible)

    Keeping Premiums Low

    1) I'll keep saying this too: Get lots of quotes and get them for every state that you will consider as a potential "Home Base". There are hundreds of dollars of difference in premiums from state to state.

    2) Check with your RV insurance company for multiple policy discounts.

    3) Don't overinsure. Get the minimum coverage to replace your vehicle and cover most liability situations. If you have significant assets, consider an umbrella policy to protect them from a major lawsuit.

    4) Get as high a deductible as you can live with. The higher the deductible, the lower the premiums.

    5) Give Miller RV Insurance a shot.

    Miller Insurance Agency



    Email us with questions. We may not know the answer, but we can get it.