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Old 10-26-2012, 10:27 AM   #1
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Insurance

Hi
New to RV stuff. Looking for insurance for rv and toad Insurance. Would like
input from experienced Rv'ers and your ideas.Currently with progressive on RV
and Farmers on cars. Need Insurance for toad now and RV comes up in June.
Caldwell
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Old 10-26-2012, 10:35 AM   #2
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our current insurance is Hartford, about $430 premium with $500 deductable. Switching to Good Sam in next few days due to their new feature that reduces premium by removing collision and liability during your winter storage months. Maintains the storm damage, theft, etc coverage.
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Old 10-26-2012, 10:39 AM   #3
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Thanks, I read that there is a clause in Good Sams that the rate is good for only one year then rates go up. I looked at it then I read the reviews and got worried.
Caldwell
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Old 10-26-2012, 10:43 AM   #4
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While they may not be the less expensive, we have State Farm. When we put the MH away for the winter, we just call them in reduce the coverage for the winter. Next spring we call them and we are ready to hit the road again. Have been with State farm for too many years to change now.
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Old 10-26-2012, 01:01 PM   #5
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No two policies are alike, if it is financed you can't drop any coverage just because your not using it. In certain states if you drop liability they will call for your tag. Best advise shop around.
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Old 10-26-2012, 04:45 PM   #6
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just received my annual bill from Progressive for both RVs. The 10 year old Jayco 5W went down 2%, (which has been parked on a seasonal lot from day one)and the 5 year old Winnebago DP went up 20%. OUCH!!! i called Progressive and their first answer was Ohio had a big increase due to claims for all RVs. Caught him by surprise when i said why did they Jayco go down. OOPS.. he then came back and said it was only motorhomes. but he offered to lower the replacement value to help offset the increase. i told him that still not not help with the big increase. i guess i need to start comparing elsewhere.......i wish my pay would go up 20%.....

Bob
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Old 10-26-2012, 07:21 PM   #7
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Quote:
Originally Posted by majfrizz View Post
just received my annual bill from Progressive for both RVs. The 10 year old Jayco 5W went down 2%, (which has been parked on a seasonal lot from day one)and the 5 year old Winnebago DP went up 20%. OUCH!!! i called Progressive and their first answer was Ohio had a big increase due to claims for all RVs. Caught him by surprise when i said why did they Jayco go down. OOPS.. he then came back and said it was only motorhomes. but he offered to lower the replacement value to help offset the increase. i told him that still not not help with the big increase. i guess i need to start comparing elsewhere.......i wish my pay would go up 20%.....

Bob
I would not use Progressive...had them and changed.
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Old 10-26-2012, 07:43 PM   #8
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Just bought a 40' DP to replace our 28' C. Salesperson recommended an agent who got us a policy with Blue Sky for only a few hundred more than our policy with Foremost for the C and one that was $300 to $400 less than the competition who had lesser coverage for the DP. I suggest you contact;

Estelle Hunt, Insurance Agent
American Adventure Insurance
estelle@americanadventureinsurance.com
direct 866.930.3680 x460
fax 866.400.8767

To get a quote
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Old 10-26-2012, 07:51 PM   #9
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While my coach is an old 97 Fleetwood Discovery, value maybe $20K or so, my insurance is through Geico for $208 per year.

Have collision, comprehensive, towing, $10K personal items, liability $300K/$500K, uninsured motorist, unlock service, etc, etc.

Deductibles are $1,000.

I do have 4 other vehicles insured with Geico.
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Old 10-26-2012, 09:39 PM   #10
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We just purchased a policy (Nationwide) with Miller Insurance Agency (Miller Insurance Agency). Got Several Quotes and Miller beat the next best Quote (Blue Sky) by $300.00. Best price I've ever gotten on RV.
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Old 10-26-2012, 10:03 PM   #11
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Just got GMAC because I'm a good same member. Good pricing and no issues yet, but only had it a few months. Rates are good. They favor motorhomes with good sam memberships.
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Old 10-27-2012, 08:28 AM   #12
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I called Good SAm (GMAC). The rates weren't too different from Hartford. $18-20 less for the storage months. Thanks for the "small print heads-up". I think we'll just call Hartford and shut-off all but the Comprehensive for those months.
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Old 10-27-2012, 06:07 PM   #13
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I'd suggest giving this one a try: Hi Sage Insurance - Your RV, Fifth Wheel, Travel Trailer, Motorcycle, Boat insurance specialists over 25 years I've used them for over 20 years. They are a broker and at times suggest a different company when the rates change.
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Old 10-27-2012, 07:20 PM   #14
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X2 on what 1ciderdog says! I was referred to Hi Sage Marketing. by a friend and I found they saved me about $200/yr. over what GMAC and Poliseek were quoting. I wanted a "stated value policy" not one based on what NADA says your M/H is worth, and found they offered all the options and coverages I was looking for. If you call them ask for Kathleen Eisner-she'll take good care of you.
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