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Old 04-28-2012, 09:32 PM   #1
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Insurance

Can anybody tell me the best insurance company to use in California. And what coverage I should get.
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Old 04-28-2012, 09:39 PM   #2
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MirBigFella,

Since you have an almost new coach I would check with GMAC Insurance. They have full replacement coverage for the first 5 years. I can't say how good they are in California though.

Get a Free Car Insurance Quote Online | GMAC Insurance

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Old 04-30-2012, 08:33 AM   #3
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Contact explorerrv.com and get a quote. Get some others as well and compare, then ask a lot of questions.

You need to decide whether you want Full Replacement Value or ACV (Actual Cash Value) coverage. Replacement value pay you to buy an equal coach as a replacement in the event of a total loss, but it costs more.

Also decide how much deductible for each claim, e.g. $100, $250, $1000, etc. This has a large effect on premium cost.

Consider how much "personal property" coverage you need. Personal property covers everything in/on the RV that is not physically part of it. Your clothes, cameras, computers, tow bars, maybe even awnings and such (ask the agent about that - it varies by company). The default amount in most policies is far too low.
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Old 04-30-2012, 10:20 AM   #4
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I have replacement value through GMAC, it's limited to 5 years. For the peace of mind it gives I think it's worth the extra cost.
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Old 04-30-2012, 10:30 AM   #5
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I had a quote frm gmac. As soon as they found out that I had had 2 no fault claims within the past 3 years, the price of the policy actually doubled!
I called the folks at Hi Sage Insurance in Ca and went with Explorer. Less cost and seems to be a great policy.
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Old 04-30-2012, 10:34 AM   #6
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X2 on Hi Sage
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Old 04-30-2012, 05:05 PM   #7
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X-3 I've used Hi Sage (Escondido, CA) for for over 20 years. They have my vote.
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