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Old 05-02-2015, 12:03 AM   #29
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Originally Posted by ecramer View Post
Interesting! If you google insurance (car, etc.) most if not all companies use credit scores as a factor when insurance rates come into play. As you live in California, your in one of three states that have banned it's use. For the rest of us it's a factor.


https://www.esurance.com/info/car/my...insurance-rate
Below is quoted from above site.
"Unless you live in Massachusetts, Hawaii, or California, where the practice has been banned."
Doesn't make any sense to do it that way, you could have the best credit in the world and be a terrible driver, or have the worst credit and be the best driver. Whether or not you have good credit isn't going to change a thing if you get in an accident. Well at least we have one good thing going for us in California, or maybe my rates would be even lower.
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Old 05-02-2015, 07:03 AM   #30
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Everything is with State Farm , Very happy, last few year we have had Hail damage on home and Motorhome very good service, been with them 48 years.
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Old 05-02-2015, 07:55 AM   #31
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Everything is with State Farm , Very happy, last few year we have had Hail damage on home and Motorhome very good service, been with them 48 years.
I had State Farm for years. Was always happy with them. Went full time and they would not write full timer MH policy for some reason. Went with Allied on toad and coach and RLI for umbrella. Hail damage in Hot Springs AR - adjusters were on the spot fairly quickly. Have yet to get to repair location to see how that goes but so far they have been great. Price was fair and reasonable.
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Old 05-02-2015, 08:10 AM   #32
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Don't give up on USAA until you check with them. I have USAA (not Progressive) because I live in NC. They do cover MHs in certain states.
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Old 05-03-2015, 07:50 AM   #33
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Doesn't make any sense to do it that way, you could have the best credit in the world and be a terrible driver, or have the worst credit and be the best driver. Whether or not you have good credit isn't going to change a thing if you get in an accident. Well at least we have one good thing going for us in California, or maybe my rates would be even lower.
I wonder how many bad driver's have high credit scores.

A friend always said, "Most of the decisions you've made in life have lead you to where you are today".

I agree, a high credit score won't help if you get in an accident. if credit score determines a person's level of responsibility, it may help them avoid said accident or at least not be the cause.
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Old 05-03-2015, 08:12 AM   #34
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Just a thought, if your comparing insurance cost between a MH and 5er you should consider total cost to insure the MH and toad compared to 5er and truck.
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Old 05-04-2015, 03:24 AM   #35
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Give a call to my friend Jim .... he's happy to look into your particular situation and give you an idea on cost .....
Jim Schecter, RV Specialty Agent
Recreation Insurance Specialists West
866 484-2583 x 532
jim.schecter@risholdings.com
X2. Have our Coach & now our autos through Jim. He's been a pleasure to work with.
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Old 05-04-2015, 07:55 AM   #36
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I believe that Credit Score pricing on Vehicle insurance is regulated state-to-State. In early 2000, WA state passed legislation allowing insurance companies to base their pricing on credit scores.

I HAD Progressive insurance with a good driving record and credit score for the past 7 years and they DOUBLED my rates taking credit info from the '70's and '80's that had been trashed due to my ex-wife's love of shopping with credit cards. This was way outside of the 7 year rule that credit bureaus allow. I dumped them immediately and to this day will NEVER give them a second chance even if it was given to me for free.

I've been with Costco insurance since. I believe it was $300/yr for Shurley to be added on.


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Old 05-04-2015, 10:05 AM   #37
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I believe that Credit Score pricing on Vehicle insurance is regulated state-to-State. In early 2000, WA state passed legislation allowing insurance companies to base their pricing on credit scores.

I HAD Progressive insurance with a good driving record and credit score for the past 7 years and they DOUBLED my rates taking credit info from the '70's and '80's that had been trashed due to my ex-wife's love of shopping with credit cards. This was way outside of the 7 year rule that credit bureaus allow. I dumped them immediately and to this day will NEVER give them a second chance even if it was given to me for free.

I've been with Costco insurance since. I believe it was $300/yr for Shurley to be added on.


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Wow, that stinks! I can see how using credit scores can hurt certain people. A friend rarely uses any sort of credit as he pays cash for everything. Even when he buys a new car or motorcycle he's saves before he buys. His credit score is lower than most and his insurance premiums reflect it.
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Old 05-04-2015, 11:10 AM   #38
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Allstate does not insure RVs in Mass.
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Old 05-04-2015, 01:42 PM   #39
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RV Research for Insurance Renewal

Just spent about a month of research for Insurance on a Diesel Pusher renewal: if you’re not looking for replacement value ie... NADA plus 20 percent or purchase price for five years; then you will find insurance to be more conducive to price. However, if you want to protect yourself and your purchase price better, you will probably pay considerably more. I have been able to validate my views by contacting all insurance companies plus some personally. One insurance in an OP mentioned did have a great price, but when I contacted the better business bureau, there were numerous complaints and unresolved issues. Googled the same company and found many more horror stories.

Legal liability for civil liability is another concern of mine, I am not a Lawyer, but have been advised that 250,000 each person/$500,000 each accident is like a minimum for both Bodily Injury and Uninsured. I had an insurance company (mentioned in an OP earlier) in order to have a good rate the deductible was $5,000. (Ouch)

Once you look at the entire spectrum with deductibles, coverage’s, and company reputation there are really only a few to consider for reasonable protection. I will not mention companies, and I did that, to not bash anyone. Call the companies mentioned, ensure you have the questions down on what your desired coverage’s and premiums are and compare them all item by item. Once you get one down, you can almost go line by line with the others. I have contacted more than 10 insurance companies and completed an application to get a quote. I have a very clean driving record and live in the state of Alabama.

I was always quoted prices without replacement value included and reasonable deductibles, let alone replacement glass.

Some great rates are eye wash only. Just my two cents worth!
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Old 05-06-2015, 05:15 AM   #40
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wow so many choices. I've used Allstate for everything. My 2015 Challenger is paid off and I still pay $3k a year for coverage with Allstate for full coverage, $500. deductible, I figured that was the best route to go. Its almost the same for windstorm insurance, a must have. I guess living in S Texas known for hurricanes its more expensive here. Everything we own is under Allstate. I did try State Farm ONCE on our cars but it wasn't that much cheaper. And I found the agents at State Farm had an attitude (not friendly in manner). We had USAA in Italy (military) and they were to expensive but that was all that was available. Never filled a claim though or have any tickets and such. Credit cards were seldom used. So there might be something to the fact that its based on credit card usage, which I have but seldom use if at all now adays. I haven't figured out how the insurance companies make their quotes and such. I must be doing something wrong.
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