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Old 01-16-2009, 08:21 AM   #15
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Try the lizard, GEICO. We switched from GMAC (Good Sam) and saved $600 + for combined MH and auto. Geico has an online safety course that you can take and save more $$s.

Chester & Linda
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Old 01-17-2009, 11:56 AM   #16
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If you are full-timing, give AON a call. They are a broker and understand fulltimers. Our insurance is underwritten by National Interstate.


Barbara & David O'Keeffe
Figment II (Alpine 2002 36 MDDS)
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Old 01-17-2009, 05:12 PM   #17
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We went with GMAC and the bill is a little over $700 per year full coverage. They did ask numerous questions to determine if we were fulltime and the number of miles per year. No claims and no complaints to this point.
Thomas & Betty w/Bailey & Gypsy (our fur-bearing masters)
07 Bounder 35e (F53)
07 Nissan Frontier or 2010 FLSTC toad
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Old 01-18-2009, 03:35 PM   #18
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Dollar for dollar I was never able to beat National Interstate except with their own agents. Be very cautious with them. I use one in New Jersey, had one in Calif. less coverage for about $ 600.00 higher
Ted & Carol Ulmer
2005 Alpine 34', 34FDDS
2006 PT Turbo pusher
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Old 01-18-2009, 03:54 PM   #19
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I was convinced that AARP was higher than Progressive and others. Just before renewal I shopped around and AARP turned out to be less than Progressive which really surprised me. I called both AARP and Progressive and went over the quotes line by line and AARP was still cheaper. I do have multiple cars as well as the MH with AARP and that could be the reason. Last year Progressive was cheaper but stayed with AARP to keep things simple. I am convicned Insurance companies change their rates on a daily basis and your actual cost may very daily. LOL
Dawn and Mark

06 HR Endeavor 40 PET
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Old 01-18-2009, 04:31 PM   #20
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I use one in New Jersey, had one in Calif. less coverage for about $ 600.00 higher
You can't compare insurance premiums across states - too many thing differ. Not only are loss rates and liability & repair costs different (sometimes hugely so), but there are mandatory coverages set by each state, required risk sharing and payments into state insurance pools, coverages which are not permitted in some states, etc. etc.etc. Even agent commissions can differ.
Gary Brinck
2004 American Tradition; 2014 Buick LaCRosse
Homebase in the Ocala Nat'l Forest near Ocala, FL
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Old 01-18-2009, 05:25 PM   #21
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I think you have brought up and excellent point and I think even within the same state there are variables that can impact the premium. When it was time to renew I was convinced, based on a previous year quote, that AARP was going to be more expensive than progressive and a couple of others.
Dawn and Mark

06 HR Endeavor 40 PET
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Old 01-19-2009, 01:11 PM   #22
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I just received a Quote from Miller Insurance Agency at the Indio FMCA Rally and they are about $250.00 less than GMAC my current insurance carrier. You might also want to check them out.
Dave Fernandez
2001, 38ft FDDS, 350 ISC, Tow 2004 Yukon
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Old 01-25-2009, 04:53 PM   #23
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We got a quote on our new Fiesta from USAA, who normally can't be beat..the quote was thru Progressive; the next day I got a better quote from RV America Insurance for over $150 less than the USAA quote from RV America, and included more coverage. I would suggest checking RV America out.

Good luck
Richard & Samme..and Honor the cat.
2009 Southwind 36D
2013 Chevrolet Equinox LT
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Old 01-26-2009, 12:02 PM   #24
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I have been with Progressive for years. They have always been the lowest price. I'm up for renewal and the Progressive price seemed to have slowly crept up to a level that I was uncomfortable with. Called GEICO and got a quote for $400 less than my Progressive renewal price. I called Farm and City (my insurance broker) and asked them to find a cheaper carrier. They came back with a quote from Nationwide that was about $150 more than GEICO. I stayed with Farm and City. The $150. extra was okay for me. The reasons are:
1. GEICO would only provide a 6 month premium. We all know what happens at the first 6 month renewal. I'ver been burned too many times with a loss leader rate for 6 months.
2. Farm and City already had all my coach, dolly and other stuff photos in their file so there was nothing extra for me to do.

Consider calling GEICO or Farm & City 800-331-1520.
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
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Old 01-27-2009, 10:39 AM   #25
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try Farm & City. they beat my other company by a lot. Very easy to talk to and knows her business. Trese at 800-331-1520
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Old 01-27-2009, 11:41 AM   #26
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I'm new to the rv world.....and I've been shopping insurance rates. I was shocked and amazed when MetLife came through with a rate that was incredible to me.
I've been with Liberty Mustual years and years, but the vehicle coverage is going to MetLife.
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Old 01-27-2009, 01:10 PM   #27
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We too had one of those epiphany moments when it came time to get our full timers insurance on the motorhome and toad. Over 45 years with State Farm, when we discovered they weren't in the ballgame when we were looking for the best coverage. Not only were their rates high, their coverage was less.

We use Explorer RV as the agent and have our policy through Great American Assurance. It sure fits what we need, what with travels taken or planned from Alaska to Central America.
BOB 2006 HR Endeavor PST 38' / 2015 Cherokee Trailhawk
FT since Jan '06; Our Website: Because We Can
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Old 01-29-2009, 07:02 AM   #28
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I have Allstate RV Insurance and have yet to find anyone that can beat their price. But.... found a clause in the policy that does not cover the rv if we live in it full time. So while here in Quartzsite I talk to AON at the rv show and they were giving quotes for all the companies that covered full timers and they ran a quote check and it come back that GMAC or National Interstate thru one of its brokers would be our best bet for the buck.

Lee and Fran
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While traveling down lives paths stop to smell the flowers.
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