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Old 08-26-2014, 10:56 AM   #15
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I have had National Interstate for 5 yrs. I pay $825/yr and have only received a rate increase once. It was for $90.
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Old 08-26-2014, 12:43 PM   #16
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I pay Blue Sky $1,500/yr. Have never had an accident in 40 years of driving and a speeding ticket was 15 years ago.
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Old 08-26-2014, 05:36 PM   #17
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Quote:
Originally Posted by navigator336 View Post
AAA, Southern California, by far and away the least expensive. The coverage from all of them was virtually identical.
Been with AAA for too many years to count, our last multi-vehicle renewal, Aug 2014, went up a whole $100.00.

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Old 08-26-2014, 08:25 PM   #18
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We are with Geico for our cars, motorcycle, umbrella and motorhome. Very reasonable about $2000 yr for all.
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Old 08-26-2014, 08:50 PM   #19
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Insurance... again

The thing I like about Blue Sky is their increasing valuation clause. Their replacement valuation goes up considerably each year in case of a total loss, so much so that it is a 75% (seventy-five percent) increase over 5 years. Hope I never have to use it, but nice to know it's there!
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Old 08-26-2014, 08:51 PM   #20
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Been with AAA for too many years to count, our last multi-vehicle renewal, Aug 2014, went up a whole $100.00.

Fred

My USAA rates on my other automobiles rarely go up at all.
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Old 08-26-2014, 09:13 PM   #21
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CaptPat....

I JUST switched from Progressive (my new rate from Progressive was going to be $2261.00) and like you, I said "no more"....

I went with Allied (Nationwide) and ended up with more coverage for only $671.00..... Did I mention MORE coverage than I had with Progressive.... Went through Good Sam to get mine.....
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Old 08-26-2014, 09:18 PM   #22
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Geico here for both car and MH at 197 per month.
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Old 08-27-2014, 08:58 AM   #23
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I don't understand the wide difference in premiums on a Progressive policy. Ours is $640 for an entire year, and yet some are quoting in the thousands. Does it have to do with domicile, driving record....what???
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Old 08-27-2014, 03:45 PM   #24
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All I know is I'd had Progressive for over 15 years on cars and 10 yrs on RV's..... Never had a RV claim until this past March when I brushed against a brick column - total claim - $1100.00.... They increased my premium $660.00 which brought a steadily climbing premium to $2261.00.... So I cut them loose.....
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Old 08-27-2014, 07:02 PM   #25
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I don't understand the wide difference in premiums on a Progressive policy. Ours is $640 for an entire year, and yet some are quoting in the thousands. Does it have to do with domicile, driving record....what???
It all has to do with where you have it located. It has to do with the driving record of all the drivers associated with the address/vehicle. It has something to do with the particular vehicle(s) being covered. It might even have something to do with your credit record. I am sure there are a few other things I am missing as to where they come up with the numbers.

We moved the RV and the Harley from MI to CA. Same exact coverage. Our rates for the RV went down over half, yep DOWN over half. The rate for the Harley went up almost double, more riding days in CA compared to MI so more chances for something to happen. Oh and that was just a few months ago that we did this.
And 2 years ago when we changed from part time to full time our rates went down too.
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Old 08-27-2014, 08:59 PM   #26
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Do you have replacement coverage. This means if the 3 year old RV is totaled, you get a brand new one. Your old one was worth say 200,000 on the lot, price of a new one is 235,000, value of the old one (200,000 new) is now 110,000.

You're paying for insurance of 235,000-110,000 or 125,000.

Tell them you want insurance on the present value of 110,000. After all that's what it's worth.
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Old 08-28-2014, 05:43 AM   #27
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When talking with a Blue Sky rep about a policy she said that Blue Sky was anticipating a rate increase on 9/1, I asked her to calculate the cost of a policy for before and after 9/1, the before rate was $1100, the after rate was $1900 -- same coverage.
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Old 08-28-2014, 12:38 PM   #28
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Just got a quote from State Farm..... 200% of the current Allied premium.
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