A toy hauler is basically an RV trailer with a garage -- a towable recreational vehicle with living quarters in the front and a cargo area in the rear, for hauling motorcycles, snowmobiles, ATVs or other sports "toys." Sometimes called a sport utility recreational vehicle, a toy hauler trailer can be a fifth-wheel trailer, which connects to a special hitch in the bed of a pickup truck. Typically the back of the cargo area folds down to create a loading ramp.
Toy hauler trailers can cost $12,000-$80,000 or more, depending on size (14'-40' long) and amenities, which can range from sleeping and eating basics to all the comforts of home. Travel trailer-style toy haulers tend to be less expensive than fifth-wheel models, which are typically more luxurious.
For example, the 21'9" travel-trailer-style 2011 Coachman Freedom Express LTZ 190BL[1] sells for $19,000-$27,000, weighs 7,500 pounds fully loaded and comes with two fold-down sofas in the cargo area, a free-standing table, a galley kitchen with a microwave, a bathroom with a tub/shower and a twin bed.
The 34'-35' fifth-wheel-style 2011 Keystone Fuzion 302 sells for $38,000-$70,000, weighs 18,730 pounds loaded, and comes with a 10' cargo area with its own entry door; a two-room living space that includes a master bedroom with queen-size bed; separate shower and toilet stalls; wall stereo; 32" flat panel television; and kitchen area with microwave, 3-burner stove top, 22" oven and 8 cubic foot refrigerator.
Toy hauler trailers start depreciating[2] as soon as they're driven off the dealer's lot, so a well-cared-for model that's a few years old could be 20%-30% less than its original purchase price.
Other than the cargo area, toy haulers are like any other travel trailer or fifth wheel, except toy haulers often have at least one generator, a fuel station and a larger-than-average water tank. CampingEarth.com provides an overview of toy haulers[3] .
Riders are not allowed in the toy hauler while it's being towed. Edmunds.com explains how to tow a standard trailer[4] and RVBasics.com lists safety tips[5] for towing a fifth-wheel RV.
Additional costs:
A medium- to heavy-duty pickup truck or similar tow vehicle can cost $20,000-$50,000 or more. Towing a loaded trailer reduces the tow vehicle's fuel efficiency by at least a couple miles per gallon and could cut it by as much as half (or more). Some owners of heavy toy haulers report getting 8-10 mpg while towing.
Adding a standard ball trailer hitch on the tow vehicle can cost $50-$700; installing a fifth-wheel hitch can cost $500-$2,500.
If the trailer is wider than the tow vehicle, extended side view mirrors are legally required. These can cost $4-$80 for models that clamp onto the existing side mirrors, or $150-$450 for permanently installed towing mirrors that match the vehicle make and model.
Overnight campground or RV park fees can cost $10-$40 a night. Using a dump station to empty the toy hauler's sewage system is typically included in the overnight fee, but dumping without spending the night can cost $5-$25.
RV insurance premiums vary significantly depending on value, frequency of usage, location, company and driving record; get quotes before buying a specific trailer.
Renting an RV storage space can cost $20-$100 a month outdoors and $45-$450 a month indoors. An RV cover can cost $50-$1,200 or more.
Shopping for a toy hauler rv:
RV shows[6] offer different makes and models in one place; admission can be free or $5-$10.
The combined weight of the fifth wheel, hitch, passengers, luggage and other gear must not exceed the towing capacity of the vehicle. The National Highway Traffic Safety Administration provides tips for selecting a tow vehicle[7] .
Prices on new toy hauler trailers vary considerably depending on options, size and retailer, and dealer prices are typically negotiable. Digital Federal Credit Union offers tips for getting the best price on new and used RVs[8] . RV Magazine explains how to negotiate and finance[9] an RV purchase.
For used toy haulers, NadaGuides.com provides a tool to estimate prices[10] , and Changingears.com describes determining a fair market price[11] with the Nada Guides as a starting point. As a reference, consignment seller PPL Motors posts its actual RV selling prices[12] .
ChanginGears.com provides a checklist[13] for inspecting a new or used RV before buying it, and for road testing[14] a trailer.
Search for local dealers through the Recreational Vehicle Dealers Association[15] or GoRVing.com[16] .
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