Toy Vehicles Information
What are considered toy vehicles?
Toy vehicles are vehicles typically purchased for pleasure. They include
boats, jet skis, RVs, travel trailers, UTVs, ATVs, motorcycles , snowmobiles,
and more. We'll call them recreational vehicles for the remainder of
this page, though.
Why do you need insurance for your recreational vehicle?
Many people assume their auto or homeowner policies extend to these items,
but that is not the case.Even though you may be only concerned with the damage to your recreational
vehicle, there are many other things to consider. Some of these things
are injuries to yourself or to others, including your passengers, or
liability for damage to personal property of others. These can cost
you much more than the value of your recreational vehicle if you don't
insure yourself correctly.
You'll enjoy your recreational vehicleeven more when you're not worried about the safety of yourself, your
passengers or your investment. Here are a few things to
If you're in an accident or your recreational vehicle is stolen, it costs
money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be
If your vehicle is responsible for damage or injury to others, you may be
sued for much more than you're worth.
Your recreational vehicle may be one of your most prized possessions.
It deserves special protection.
Things to consider and questions to ask your agent
Good & Associates, Inc is an advocate for finding insurance that meets
your specific needs. Here are a few things to consider as you prepare for the
How much can I afford to pay if my recreational vehicle is in an
accident, damaged or stolen?
You may be purchasing a recreational vehicle and have to consider the
lender's monthly payment
amount in addition to your insurance payment. To help keep premiums
low, you may want to choose a higher deductible. You will have to be
willing to pay more out of your pocket to the garage for the
repairs. Our agents will do their best to give you the right
coverage at the best price available.
What discounts and programs are available?Discount options vary between carriers.Many agents provide a discount on all homeowners, auto, and life insurance policies if more than one policy is written through the same carrier. Some uncommon discounts worth mentioning are motorcycle safety
courses and motorcycle and RV group affinity discounts. Some
carriers will give you a discount if you go "paperless" and have all
documentation sent to you electronically and others will discount for
paying in full for the term or having monthly amounts drafted directly
from your checking account.
How much medical and liability coverage should I have?
Recreational vehicle policies, unlike auto polices, do not require first
party benefit coverage (i.e., medical coverage for you as the operator) in
some states. Even though the state doesn't require it, you should
consider it. If you don't have medical on your recreational vehicle
policy, your personal health care will have to cover your injuries. If
you don't have good health care, it is a good idea to carry a larger amount
on your medical and other first party benefits on your recreational vehicle
policy. As far as liability coverage, you should carry the same
as you would carry on your auto insurance. After all, you still have
the same assets and things to protect if you are at fault and are sued.
Do I have coverage if I need to have my recreational vehicle towed in an
emergency?Towing is an endorsement that can be placed on your policy usually when you
carry comprehensive or collision. Most carriers provide specialized
towing specific to the type of recreational vehicle you are insuring.
Believe it or not, there are times when you may have to have a boat
towed off the water. The premiums are quite minimal for this very
Tips for the cost-conscious motorcyclist
Many factors can play a role in determining what your insurance costs will be
such as your age, your driving record, where you live and the type of
motorcycle you own, or being a graduate of a rider-training course.
Many companies offer discounts from 10 to 15 percent on motorcycle insurance
for graduates of training courses, such as the Motorcycle Safety Foundation
(MSF) rider course. Riders under the age of 25, usually considered a higher
risk, may see some savings by taking this course. It's also a good idea for
cyclists who have already had accidents.
Maintaining a good driving record with no violations will also help reduce
Find out what discounts your insurance representative offers. Multi-bike
discounts for those insuring more than one bike, organization discounts, if
you're a member of a motorcycle association, and mature rider discounts for
experienced riders, are just a few possibilities. Discounts can range
anywhere from 10 percent to 20 percent, depending on the company and your
state. Availability and qualifications for discounts vary from company to
company and state to state.
Keep in mind that the type, style (such as a sports bike vs. a cruiser) and
age of the motorcycle, as well as the number of miles you drive a year and
where you store your bike may also affect how much you pay for your premium.
Additional coverage can also be purchased for trailers and other
accessories.You should talk to your insurance representative about the type of coverage
that would best suit your needs. Contact us today at
800-689-8887! We want to hear about
your prized possession and offer suggestions specific to your needs.
Recreational Vehicle Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote
for quick, accurate and affordable rates.
RV Quote Form
Self policy service any time of the day, directly from our website. To
request a policy change on your account, click any of the following policy
service options below.
Recreational Vehicle Insurance Customer Service Options