home > learning center > faq > travel trailer insurance > discounts

frequently asked questions

saving on your travel trailer insurance

Travel trailer insurance can cost less per day than a cup of joe. These FAQs explain how a policy's priced and highlight a few ways to save even more.

Ways to save

Factors that influence your premium

Ways to save

How much does travel trailer insurance cost?

Costs vary depending on the type of trailer, your intended uses of it, your driving history, and many other factors.

Get your travel trailer insurance quote to customize your policy and see your rate in just a few minutes.

Back to top

What travel trailer insurance discounts do you offer?

There are many ways to save on travel trailer insurance, and the following discounts can help:

  • Original owner
  • Paid in full
  • Prompt payer
  • Claims-free renewal

When you get your free travel trailer insurance quote, available discounts will automatically apply based on the info you provide.

Back to top

Are there other ways to save?

Yes. When you buy travel trailer insurance through Esurance, you'll earn immediate rewards for covering multiple trailers under a single policy (10 to 35 percent), having a squeaky-clean driving history, and transferring your policy.

Plus, when you purchase your policy, you'll be able to take advantage of the following:

  • Unlimited small-accident forgiveness
  • Specialized claims service
  • Responsible driver discount
  • Emergency expense coverage

These rewards will help you save money on your policy, quickly resolve minor claims without affecting your rate, and give you up to $750 for lodgings and transportation if an accident occurs while you're on vacation. And the longer you keep your policy, the more rewards you earn.

Back to top

Factors that influence your premium

What factors affect my travel trailer insurance rate?

Most of the factors affecting travel trailer insurance rates will be familiar to anyone with car insurance (such as your driving history; where you live; and your trailer's year, make, and model).

Others may be less familiar, such as whether or not your area suffers from hurricanes or other severe weather, whether or not you have a security system installed, and where you store your trailer. And of course, the limits, deductibles, and optional coverages you select will influence your final rate.

Back to top

I only use my travel trailer a few weeks a year. What's the cheapest travel trailer insurance I can get?

To pay the least amount for your travel trailer insurance, you can cover it under your auto policy, which will give you basic liability coverage.

However, you face the risk of paying more out of pocket in case of an incident. If you're concerned about damage, theft, vandalism, and/or natural catastrophes, you might want to consider a unique policy for your travel trailer.

The good news is that travel trailer insurance and all its options come at affordable rates, and you may be able to take advantage of numerous discounts. When you
get your quote online or over the phone, you'll find out which discounts you qualify for. An experienced and knowledgeable agent will be happy to help you balance affordability and coverage.

Back to top

Can I save if I maintain my travel trailer coverage only while I'm using it?

That's an option, but it's risky. Lapses in coverage can negatively affect your rates. Plus, you'll be vulnerable during uncovered periods, especially if you store your trailer off your property or decide to travel without coverage.

Back to top

Still want to know more about saving on travel trailer insurance? Just email us at partnerproducts@esurance.com or post on our Facebook Wall. We'll get back to you ASAP.

This page is intended to provide you with general information about travel trailer insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, including limitations and exclusions, we encourage you to read your policy contract and consult your insurance representative with any questions.