How To Buy an RV: A Step-by-Step Guide

Buying a recreational vehicle is an adventure. RV life delivers the freedom to explore and travel at your own pace with the comforts of home. You may dream of weekend trips with family. Maybe full-time solo RV living is more your speed. Either way, there’s a rig to match your vision. However, picking the best one can feel daunting. There are so many types, sizes, features, and prices to look over.

It all comes down to research. Consider your lifestyle, budget, travel plans, and other needs. Let these RV shopping tips guide you in choosing the right RV for your journeys.

Understanding the Types of RVs

First, identify which type of unit meets your needs. Each variety offers custom features for different travels and lifestyles. Here’s a summary of the most common RV categories:

Class A Motorhomes

• What they are: Large, bus-like motorhomes. They have ample living space.
• Best for: Full-time RVers or families who want luxury when traveling
• Key features:
  • Full kitchens and bathrooms
  • Multiple sleeping areas
  • Often equipped with luxuries such as washer/dryers, entertainment centers, fireplaces, and smart home systems
• Points to keep in mind:
  • Higher cost of entry, maintenance, insurance, and fuel
  • May require a special license depending on its size

Class C Motorhomes

• What they are: Mid-sized motorhomes. You can spot them with their over-the-cab sleeping area.
• Best for: Small groups who want comfort but don’t need the luxury of a Class A
• Key features:
  • Comfortable living space with separated sleeping quarters
  • Easier to drive than a Class A, but still offers many conveniences
• Points to keep in mind:
  • Still on the larger side, meaning careful maneuvering for parking

Fifth-Wheel Trailers

• What they are: Larger towable units. You attach them to a truck’s bed with a special hitch.
• Best for: RVers who need extra space. They are good for full-time living or long road trips
• Key features:
  • Multi-level design with private living and sleeping areas
  • Spacious format, often equipped with luxury features
• Points to keep in mind:
  • You need a hefty towing vehicle, like a heavy-duty truck

Toy Haulers

• What they are: RVs with built-in “garage” space. They can lodge ATVs, motorcycles, jet skis, or other toys.
• Best for: Adventure seekers and active families
• Key features:
  • Versatility for hauling recreational gear while doubling as living quarters
• Points to keep in mind:
  • Limited living space with the garage section

Pop-Up Campers

• What they are: Small, lightweight trailers with collapsible walls
• Best for: Budget-conscious campers. They are also great for individuals traveling light.
• Key features:
  • Affordable and relatively easy to tow
  • More compact than other units
• Points to keep in mind:
  • Minimal amenities
  • Less durability in poor weather

Key Factors to Consider When Buying an RV

Now that you know about the different RV types, here are the main factors to help narrow down your decision:

1. Budget

First, the hard work. You'll need to create a realistic budget. Include the vehicle's upfront cost along with ongoing expenses that come with ownership. These expenses include fuel, insurance, maintenance, campgrounds, and storage.

Keep in mind that RVs have a wide range of prices. A simple pop-up camper might cost a few thousand dollars. Luxury motorhomes can go for several hundred thousand dollars. Be practical about what you need and what fits within your financial limits.

• New vs, Used RVer
  • New RVs come with a host of advantages. Benefits include warranties, new technology, no previous wear, and lower initial maintenance costs. However, they tend to depreciate in value quickly. They lose a large portion of their worth in the first few years.
  • The main advantage of used rigs is their initial cost. Used RVs are much cheaper upfront than new ones. So if you are on a tight budget, buying used is a wonderful option. However, you need to get used rigs inspected for potential repairs or hidden problems. Always have them checked for things like leaks and rust.

2. Size and Layout

Think about who you will be with and everyone's lifestyles. Your personal preferences and trip duration should also weigh in.

Smaller RVs, such as Class B camper vans, are compact. They work well for solo travelers or couples. With their small size, they are easy to drive and can fit into most parking spaces. But they lack the personal space and amenities of bigger units.

Larger RVs include Class A motorhomes or fifth wheels. They tend to offer more living space and have more storage and luxury perks. They are ideal for families or long-road trippers. However, they may be tricky to maneuver. They also require more maintenance.

When considering the layout, think about your needs. Take into account sleep spaces, kitchen size, bathrooms, and storage. For families, bunk beds or multiple sleeping areas might be a priority. Awning and outdoor kitchens suit RVers who enjoy time outside.

3. Features and Amenities

Make a list of your top priorities. It should comprise the features most important to you and help you avoid overspending on unnecessary extras.

• Kitchen: Will you need a fully equipped kitchen? Or will a simple kitchenette suffice?
• Sleeping Arrangments: Calculate how many beds you'll need. Fold-out couches and bunk beds are great space savers.
• Outdoor Amenities: Slide-outs create more space. Open-air kitchens and entertainment units increase fun and charm. These features are great for outdoor gatherings.
• Bathroom: Opt for a full bathroom with a shower or a more compact one. Outdoor showers are a refreshing treat after a swim.
• Storage: Account for the holding space needed for clothes and supplies. Options like underbelly storage or built-in cabinetry can add convenience.

4. Dealerships vs. Individual Sellers

You can buy an RV from a dealership or an individual seller. Each has pros and cons:

• Dealerships:

  Dealerships offer a broad range of inventory and RV financing options. They may also include warranties, which can save you repair money down the line. Yet, the prices at RV dealerships are often higher than those of individual sellers. They may also try to upsell you on extra features or services.

• Individual Sellers:

  Buying directly from an individual can save you money. Their prices tend to be lower, but you still need to be cautious and do your due diligence.

  Examine the rig carefully and get the RV maintenance records. This way, you can avoid purchasing a vehicle with hidden issues. This info will also give you leverage when negotiating the price. Finally, have a pro inspect it before you complete the sale.

5. Financing Options

Unless you’re paying cash, you’ll need to research financing options to fund your purchase. Numerous banks, credit unions, and dealerships provide loans just for RVs. These loans can have longer terms than traditional auto loans, making monthly payments easier to manage. Keep these financing tips in mind:

• Compare interest rates and terms from different lenders.
• Calculate the total financing cost (including interest!) to stay within your budget.
• Some lenders need a down payment. Plan accordingly.

When you buy an RV, financing can get tricky as some lenders have age or mileage limits on their loans. Be prepared to provide detailed information.

6. RV Inspection Checklist

Whether you’re buying new or used, always get a thorough inspection. New RVs can have factory defects while used RVs can have problems you won't spot right away. Hire a professional RV inspector who can look at the vehicle in detail. Key areas include:

• Roof and Seals: Search for traces of leaks or damage that could lead to water breaches.
• Plumbing and Appliances: Check all appliances, water tanks, pipes, and the water heater. They should all be in good working order.
• Brakes and Tires: Analyze the condition and age of the tires. Test that the brakes are functioning as they should.
• Engine and Drivetrain (for motorhomes): Inspect the engine, suspension, transmission, and other mechanical components. They should be free of wear or damage.

7. RV Insurance and Warranties

RVs need specialized insurance policies for coverage on the road. Remember to protect your investment with an extended warranty plan. America’s RV Warranty lets you enjoy your adventures worry-free. We cover costly repairs while providing peace of mind.

Understanding the Costs of RV Ownership

Owning an RV isn’t just about the initial purchase price. There are ongoing RV costs to consider:

Insurance

Specialized RV insurance differs from standard car insurance as it must cover the unique needs of RVs. Factors such as the RV’s class (Class A, B, or C) and its overall value will influence the cost. Full-time RV users may have to pay higher premiums for better coverage. In contrast, occasional users might pay less.

Maintenance

When you own an RV, routine upkeep is a must — it holds your vehicle in peak condition while protecting you on the road. Routine maintenance includes tire replacements (which can add up for larger RVs) as well as brake maintenance to handle the rig's weight. In addition, roof assessments help stop leaks and water damage. All costs can differ based on the RV's size and type, ranging from a few hundred to several thousand dollars a year.

Storage

An RV needs a home when not in use. If you don't have the room on your personal property, you'll need a storage facility. The cost of RV lodging hinges on location and storage type, including indoor, outdoor, climate-controlled, and covered. And be aware that extra costs can add up quickly. This is especially true for larger RVs needing more space.

Fuel

Fuel costs, as always, can add up. Fuel for large RVs, particularly, tends to be costly. Due to their size and weight, these vehicles are less fuel-efficient.

When you plan trips, budget carefully for fuel expenses. Long journeys or frequent travel can really affect your bottom line.

Diesel or Gas?

Which fuel type is right for you? Diesel engines are more fuel-efficient. They are better for heavy RVs and great for towing, but they cost more upfront. Gas engines are cheaper and easier to refuel. Your travel plans and RV type will help you decide.

Checklist for Buying an RV

Before completing your purchase, use this checklist for a smooth process:

• Define your travel goals and the type of RV you need.
• Set your budget, including ongoing costs.
• Decide whether to buy new or used. Find reputable dealers or sellers.
• Inspect new RVs for factory defects. Inspect used RVs for wear and tear.
• Compare financing options.
• Refer to a used RV buying guide.
• Secure your RV with insurance for accidents and theft.
• Take the RV for a test drive or towing trial.
• Test your motorhome or trailer in different conditions. You can judge its comfort and maneuverability.
• Protect your investment with a warranty. Check out America’s RV Warranty for top-tier coverage tailored to your rig.

RV Ownership Made Easy

Having an RV means endless adventures. Whether you're off for a weekend getaway or diving into full-time RV life, picking the right RV can lead to great memories. Follow this guide for a smooth buying experience. It will help you feel confident in your decision.

However, unexpected repairs can be costly, and protecting your RV with a warranty is a wise choice. At America’s RV Warranty (ARW), we provide extended warranty plans that cover major problems, such as engine breakdowns, water system failures, slide-out issues, and electrical malfunctions. We also offer roadside assistance, tire coverage, wheel protection, and trip interruption coverage.

Start your RV adventure today and get a free personalized quote for an extended warranty at America's RV Warranty.