KEEP YOUR CAM Why Auto or Home Insur
Shop Online
October is considered the best month for taking road trips because the weather is so agreeable across much of the country. But before you jump in your RV, camper, or motor home, make sure you’ve got the right insurance coverage for it. These vehicles are more than just a car, so they need more than just your average policy. RVs are large and pose a higher risk for accidents, so standard auto insurance often won’t provide the full line of coverage needed. Auto insurance also doesn’t cover all the possessions you keep in your RV, like clothes, electronics, and sporting goods. Generally, homeowners insurance will also exclude these items when they’re away from the house, so RV insurance is meant to cover you if something happens to your motor home and its belongings. The two key considerations when choosing the insurance that’s right for your RV are vehicle class and policy types. Vehicle Classes Class A: luxury coaches, converted buses, up to 75 feet long, panoramic windows, additional slide-out living spaces Class B: small coaches, camper vans, pop-ups, travel trailers, no cab-over, small amenities Class C: standard cargo vans, sleeper portion over cab area, fifth-wheel vehicles
Like a Pro 3 WAYS TO SAVE ON TRENDY BACK-TO-SCHOOL BUYS S hopping online is tricky in the best of times, but it’s doubly trying when your kids’ opinions are involved. If back-to-school shopping is challenging in your house, try these tricks to hunt down the backpack, pencil bag, and lunchbox the kiddos are begging for without going over budget. 1. Opt for secondhand or refurbished items. If your kid is dying to have the same Parkland Kingston Plus Backpack that celebrities’ kids were flaunting last year, you might be able to snag one secondhand for half the price. The same goes for the popular PLAE Max Shoes or even electronics like iPads. Check out online retailers like JemJem or Gazelle for refurbished electronics, and try the Poshmark app for bags, shoes, and clothes. If you really want to get fancy, visit TheRealReal.com for luxury-brand clothing. 2. Always check discount apps and websites. If you’re not at least Googling “[store name] coupon code” before checking out online, you’re probably missing out on big savings. Visit popular coupon websites like RetailMeNot and Groupon, or streamline your search by downloading a money- saving browser extension or app like Honey, which automatically checks for coupon codes and offers price comparisons. Other apps, like Flipp, let you view deals from dozens of stores in one place. Remember to see if your favorite store has its own app, too — downloading it could grant you access to exclusive deals. 3. Don’t forget to factor in shipping. If you shop internationally, shipping can sometimes double the cost of an order. To save money, choose domestic retailers and check each website or app for shipping specials and discounts. Many websites offer free or reduced shipping for first-time customers or orders over a certain dollar amount. If you choose to shop somewhere without such a discount, check the shipping costs and factor them into your budget before you shop to avoid nasty surprises. If your kids are old enough, consider talking them through this process as you shop. Who knows, this could be a great back-to-school lesson in budgeting!
Vermost Insurance NOW has a relationship with Chuck Chucri, who offers Financial
Planning & Investment Advisory Services
Did You Know ...
2 |
1200 Belcher Rd. S. Suite 1
Largo, FL 33771-3315 Phone: (727) 748-2886
Made with FlippingBook flipbook maker