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09-18-2016, 03:40 PM
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#1
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Member
Join Date: Sep 2013
Posts: 62
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Insurance
Hello,
Insurance renewal time. Price going up each year (agreed upon value policy) through Allied. Any suggestions on other companies that might offer lower rates. Located in Michigan, maybe some fellow Michiganders can share who insures your RV's? Appreciate any help I can get. Thank you.
Rose
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09-18-2016, 03:49 PM
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#2
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Senior Member
Country Coach Owners Club Solo Rvers Club iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 37,725
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If you're old enough then The Hartford through AARP might be an option. They saved me about $1800 a year over National General.
I don't like some of the AARP political stuff though.
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft, HWH Active Air
Charter Good Sam Lifetime Member, FMCA,
RV'ing since 1957, NRA Benefactor Life, towing '21 Jeep JLU Rubicon Ecodiesel
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09-18-2016, 09:40 PM
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#3
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Senior Member
Tiffin Owners Club Freightliner Owners Club
Join Date: May 2014
Location: Honeoye Falls NY
Posts: 144
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I currently use Progressive. I don't know if their rates are the lowest but I know that if I have a claim they will pay it. Remember, you buy insurance hoping that you'll never need it but when you do ---
Saving a few bucks upfront may not be in your best interest in the long run.
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09-18-2016, 10:57 PM
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#4
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Senior Member
Join Date: Nov 2015
Posts: 26,848
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Check with a Ins. Broker Agent........Explorer RV, Miller, Gilberts
They get multiple quotes from numerous Ins. Companies...same/same so you can compare coverage/premiums
Hartford is who we are CURRENTLY with'
Others ----National Interstate, Foremost, Bluesky,
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09-19-2016, 03:24 PM
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#5
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Member
Newmar Owners Club Spartan Chassis
Join Date: Dec 2007
Location: Michigan
Posts: 32
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Michigan Insurance
The Michigan no fault charges went up again this past year. That may be part of the increase you are seeing. We insure through Progressive and have been pleased with it - minimal increase this past year. Can't wait to see when my plate fee is going to be in 2017 with the upcoming increase - looks like over $1200 for us.
__________________
2005 Dutch Star
Spartan MM w/Cummins 370 Turbo
2006 Mercury Mariner Hybrid
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09-19-2016, 03:33 PM
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#6
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Registered User
Join Date: Aug 2014
Location: western NC mountains!
Posts: 4,106
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as an Insurance Agent/Agency owner, and a Full Timer, I can tell you the truth...
There is no way to know unless you contact EVERY insurance company and get a fully vetted quote.
This means that they actually run your MVR, accident and history reports, and consumer reports, and give you the actual price that you will receive.
It's a chore, but if saving money is your only goal, there is no other way.
What everyone else has is NOT the best for you. No insurance company has the best plan or price for everyone, no matter how much advertising they do to lead you in that direction.
Try a google search and you'll find many, many options...
Enjoy : )
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09-19-2016, 03:49 PM
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#7
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Senior Member
Winnebago Owners Club Workhorse Chassis Owner
Join Date: Aug 2007
Location: Sonoma County, CA
Posts: 6,401
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Another happy Hartford AARP user. I ended up transferring all my insurance to them saving $1200 a year. I went thru a broker who shopped a few companies for the best deal.
National General (GMAC) raised my rates 30% after a windshield claim. The said the raise had nothing to do with the claim.LOL
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Wayne & Roberta
08 Winnebago Destination 39W Gas UFO Workhorse Chassis......It's really weird being the same age as old people. I thought getting old would take much longer.
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09-19-2016, 03:59 PM
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#8
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Senior Member
Country Coach Owners Club Solo Rvers Club iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 37,725
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Quote:
Originally Posted by UFO Pilot
Another happy Hartford AARP user. I ended up transferring all my insurance to them saving $1200 a year. I went thru a broker who shopped a few companies for the best deal.
National General (GMAC) raised my rates 30% after a windshield claim. The said the raise had nothing to do with the claim.LOL
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To add to National General: I had my first chargeable accident since high school last year (I'm 69 now). National held the claim open in case my DW's neck needed to be looked at. This was last Sept. and I changed insurance in Feb of this year. Now I'm finding that somehow National General had my DW's Medicare records changed to make them primary and Medicare secondary and since August 1st all Medicare claims have been rejected due to this. My DW died on August 21st and I can't even get into the account to correct it. The hospital is all in a tither and has sent me three threatening letters, the first one 8 DAYS after she died there!!
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft, HWH Active Air
Charter Good Sam Lifetime Member, FMCA,
RV'ing since 1957, NRA Benefactor Life, towing '21 Jeep JLU Rubicon Ecodiesel
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09-19-2016, 11:43 PM
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#9
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Senior Member
Join Date: Mar 2012
Location: NW OREGON
Posts: 537
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So sorry to hear of your wife's passing. I have read many of your postings in the last couple years and was aware of health issues these past few months. Sorry to hear she lost her battle.
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Ron in NW Oregon
2017 Ventana 3436
2021 Chevrolet Spark LT
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09-20-2016, 08:10 AM
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#10
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Senior Member
Monaco Owners Club Mid Atlantic Campers
Join Date: May 2014
Posts: 185
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My condolences in the passing of your wife. My thoughts and prayers go out for you and your family in this time of loss.
Regarding your insurance/medicare issue, you may want to contact your local insurance commissioner or congressman to assist you with addressing it.
__________________
Ben & Gail with Daphne
'08 Cayman XL 35SBD
Master Tow Dolly w/'13 Dodge Journey
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09-20-2016, 10:39 AM
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#11
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Senior Member
Holiday Rambler Owners Club
Join Date: Jul 2016
Posts: 113
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Mr_D no advice on the insurance thing as I just started my adventure in RVing. My sincerest condolences to you on the passing of your loved one.
__________________
Helicopter pilots don't fly, they beat the wind into submission........
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