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For insurance I use Geico, I found them to be the cheapest (probably we use them for everything else).
As far as your spare tire is concerned. I had a spare factory mounted on my 2011 Itasca Reyo which was on a Sprinter 3500 chassis just like my 2019 Four Winds. However, Thor in their infinite wisdom decided to cut the hinge point for the carrier off and installed a crossmember right where the spare would go. A spare is not an option on my do to space restraints.
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Retired "Quiet Professional". Lifetime HSUS and ASPCA member.
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