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but, yes, your ADDRESS will be a determining factor is how your policy is rated, as well as all the other expected factors, such as size, weight, length, value, etc. But, another point is that states each control their 'ratings' that their insurers are allowed to charge in differing ways, and methods, and under differing limits. Some may allow an insurer to uprate a policy for certain conditions, others may not. Some may allow rate changes to customers before they get approved by the insurance commissioner, other states may require the commissioner to approve them before so, delaying 'when' a rate increase might come into effect.
Many insurers also create new policy 'forms', submitted to the state insurance commissioner, that then provides a brand new 'set' of customers, but under different coverage limits, wording, and included underlying coverages, making for a lower entry cost for new customers - even lower than some of the existing customers of the same 'company'. Since they both have different policies, their rates are different.
Comparing your insurance on a regular basis is the ONLY way to stay abreast of the 'best' pricing for your situation. Many folks find this an aggravation and time consuming effort they'd rather not attempt too often, but complaining that your rate is too high compared to others while not taking the time to do your own homework doesn't make for a reasonable argument against the 'insurance companies', as many people tend to do.
I have several insurers within my agency that 'write' RVs, but even within those there is no single company that is 'best' for everyone, or everyone's RV, or everyone's situation. Some companies really only want trailers and fifth-wheels, since they themselves don't provide options for auto coverage for the tow vehicle. Other companies may offer the 'everything for everybody' plan, but then aren't the most 'reasonable', price wise - though it's nice to have everything insured with a single company, maybe. I have one company that has my motorhome insured at half the price of the others. Why? Don't know, but they certainly must 'like' motorhomes or they won't be priced that way. They are also not the 'typical' insurer you see on TV, matter of fact, they may be a company you've rarely, if ever, heard of.
By the way, GoodSam, AARP, and others similar to those are simply just 'insurance agencies' that sell the typical named company's policies, like the Hartford, or National General. Most of the time you can buy those exact same policies and prices at ANY normal everyday office-on-the-corner agency - don't buy into those 'big guys' having any different than you local agent.
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