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09-11-2019, 07:03 PM
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#1
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Member
Monaco Owners Club
Join Date: Nov 2016
Posts: 40
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National General at it again!!!!!!!!!!
Just got another increase for the 3rd year in a row!!!! Never made a claim and have seen an increase from 1477.00 to 2269.00 in 3 years. We are full time with a Livingston,Texas address.Looking for other options,Thanks!!!
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09-11-2019, 07:33 PM
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#2
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Senior Member
Join Date: Jun 2018
Posts: 1,354
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This is typical behavior for every insurance carrier, and why every one of those ads on TV says "we can save you $400/year on insurance" because the average length of time a customer stays with one company is about 3 years, and then they have had enough of the increases.
Some people are more active, others are less aware of the increases or just absorb them b/c it doesn't bother their bottom line finances much. The insurers LOVE that last type, b/c that type of person might soak up 5+ years of increases and the insurer makes boatloads off them! Of course as soon as you make a claim that actually costs the insurer money, you are going to be dropped anyway... So why have any loyalty to them? They will use ANY excuse to reduce any possible payout and fight to the heat death of the universe... So have the same amount of loyalty to them that they will show you: None.
Go with whoever is cheapest. The rest of the options are all set by regulation and are basically the same across the field.
__________________
02 40' Monaco Diplomat: 1020 watts solar, Victron inverter. FASS, TRW steering, 23 cuft Frigidaire, D/W, W/D, Magneshade, Wood Floor, New cabinets, diesel heater
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09-11-2019, 07:45 PM
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#3
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Junior Member
Join Date: Jun 2011
Location: Kilgore, TX
Posts: 10
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Check Texas Farm Bureau. They have been fair to me even with a couple of claims. I have never had an increase in 3 years. Never argued a claim either.
__________________
2007 HR 45 PBQ
60 Series Detroit
2017 Buick Enclave
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09-11-2019, 08:43 PM
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#4
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Senior Member
Monaco Owners Club Fleetwood Owners Club
Join Date: Mar 2009
Posts: 446
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You might look at FMCA ins, they are using Nationwide as one of there companies, and They are way cheaper than Progressive, and progressive did the same thing to me.
__________________
2006 Monaco Dynasty Diamond IV 42' Tag, ISL 400, Residential Refrig, 10KW Onan, Bosch Washer/220V Dryer (previously 2003 American Tradition 40W)
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09-11-2019, 09:05 PM
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#5
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Junior Member
Join Date: Aug 2019
Posts: 24
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Germania is great and they are out of Brenham, Texas!
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09-11-2019, 09:13 PM
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#6
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Senior Member
Join Date: Jun 2017
Posts: 2,807
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My NatGen policy just came up for renewal at the same price as 6 months ago. This is the third year I've had my MH and toad insured with them and the semi-annual cost has actually gone down a few dollars.
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09-11-2019, 10:58 PM
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#7
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Senior Member
Join Date: Feb 2015
Posts: 1,951
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You stated that you are full time. Not all insurance companies will write a full time policy and it also depends on what State you are titled in. I have a So Dakota address and was with Nationwide for several years thru Miller Insurance brokers. Two years ago my premium doubled with no claims. Miller told me that Nationwide wanted to get out of the RV business. I called State Farm, Hartford (AARP), Liberty Mutual and others, all who said they dont write fulltime, at least in SD. I finally got a quote from Geico. They did save me a lot of $$$ with a full time policy. This year at renewal the premium even went down a few dollars. Not sure if Geico will do a full time policy in TX but you may want to call them.
__________________
2015 Itasca Ellipse 42QD
2017 Jeep Wrangler Rubicon Hard Rock
2011 Harley Davidson CVO Street Glide
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09-12-2019, 07:22 PM
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#8
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Senior Member
Monaco Owners Club
Join Date: Jun 2011
Location: CA
Posts: 4,485
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We're not full time and no tickets, claims or accidents. Nat. General went from 850/year to nearly 1400/year.
We just signed up with Nationwide at less than 800. Same exact terms.
If you have roadside assistance, National General will treat that as a claim if used, I was told. We have Coach Net, so we don't have R.A. with the insurance co.
I think it really has a lot to do with which state your in as well.
__________________
Bill & Brigitte
06 Windsor PEQ, Cummins 400 ISL
2014 Honda CRV or 2012 Jeep
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09-13-2019, 06:27 AM
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#9
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Senior Member
Monaco Owners Club
Join Date: Mar 2014
Location: Somewhere Nice
Posts: 1,466
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I just got my renewal quote from Nat Gen via Miller Ins Agency. It went up $100 from expiring. No claims no tickets.
__________________
2008 Monaco Dynasty Squire
Paul & Luci
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09-13-2019, 08:28 AM
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#10
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Senior Member
Monaco Owners Club
Join Date: May 2011
Location: CA
Posts: 259
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National General again....
1324 to 2240 with Natl General .
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09-13-2019, 10:28 AM
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#11
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Senior Member
Monaco Owners Club
Join Date: Apr 2009
Location: Where ever we stop
Posts: 828
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Rates are based on your area. Think about the claims they have had as a result of the storms of the last three years.
__________________
Chet
Monaco 2004 Signature 45' Castle IV Detroit 60
Towing 2021 Tesla Model Y in a 20' HaulMark trailer
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09-13-2019, 10:32 AM
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#12
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Senior Member
Monaco Owners Club
Join Date: Jun 2011
Location: CA
Posts: 4,485
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Quote:
Originally Posted by pduggs
I just got my renewal quote from Nat Gen via Miller Ins Agency. It went up $100 from expiring. No claims no tickets.
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We've used Miller Ins for the past 7 years. I had asked them to shop around since we had such as huge increase for no apparent reason, but they couldn't come up with anything better.
I had my local insurance guy quote it and he found Nationwide within a day or so. I just paid the premium $749. I hate to say it, but it's like Miller didn't want to make an effort.
__________________
Bill & Brigitte
06 Windsor PEQ, Cummins 400 ISL
2014 Honda CRV or 2012 Jeep
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09-13-2019, 10:35 AM
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#13
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Senior Member
Monaco Owners Club
Join Date: Jun 2011
Location: CA
Posts: 4,485
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Quote:
Originally Posted by King Richard
1324 to 2240 with Natl General .
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yiks. Maybe you're full time, not sure. I'd shop around.
__________________
Bill & Brigitte
06 Windsor PEQ, Cummins 400 ISL
2014 Honda CRV or 2012 Jeep
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09-13-2019, 10:53 AM
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#14
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Senior Member
Join Date: May 2010
Posts: 1,048
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Natl gen, progressive and State farm all did that to me. Now with gieco for 3 years. About time to shop again.
__________________
2008 Tundra DC, 5.7L, Airlift 5000 Airbags
2013 Rockwood 8282WS
Signature Untralight Diamond Package
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