Insurance

[Mirbigfella]

Can anybody tell me the best insurance company to use in California. And what coverage I should get.

[jfran304]

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

Jon

[Gary RVRoamer]

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.

[sdennislee]

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.

[Finhawk]

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.

[ScoobyMike]

X2 on Hi Sage

[1ciderdog]

X-3 I've used Hi Sage (Escondido, CA) for for over 20 years. They have my vote.
Bob