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08-24-2014, 07:45 AM
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#1
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Senior Member
Monaco Owners Club
Join Date: Apr 2009
Posts: 211
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Insurance... again
My latest bill from Progressive for MH insurances is over $2600/year--time to change. Not sure why it's so high and it's been climbing rapidly over the past 3 years or so; I've been with them since 2000 and never had a claim. So I'm in the process of soliciting quotes from Foremost, National General, Blue Sky are there any other companies I should check with or avoid? My home and Autos are with USAA, my USAA membership is supposed to get some special deal with Progressive, hard to tell from the recent bill.
The good news so far is that Foremost quoted $1500/year for the same coverage as Progressive.
__________________
2009 Monaco Camelot
2015 RAM 2500
Blue Ox Aventa LX
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08-24-2014, 07:53 AM
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#2
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Senior Member
Join Date: Feb 2011
Location: Snowbird - Waterford Mi and Citrus Springs Fl.
Posts: 3,609
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AARP/Hartford....
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1997 37' HR Endeavor, 275hp Cat, Freightliner
03 CR-V Blue Ox, Ready Brake
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08-24-2014, 08:19 AM
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#3
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Senior Member
Monaco Owners Club
Join Date: Nov 2010
Location: The Emerald Coast
Posts: 1,759
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I use USAA also. Progressive quotes >$900 for the same coverage I get from National General for <$500. I can find no problems with them, although I have looked because they are so reasonable.
FWIW if you have an umbrella with USAA they cover a vehicle that is not insured with them under the umbrella limits. If you ask they will specifically name the vehicle in that policy as they would if they insured it.
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Jim and Jennie, Cats=Bittles and Potter, 2000 Dynasty 350 ISC
2013 Silverado 4x4 Towed with R1200GS in bed.
PROV23:4 Do not wear yourself out to get rich; have the wisdom to show restraint.
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08-24-2014, 10:08 AM
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#4
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Senior Member
Join Date: Oct 2012
Posts: 2,328
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Because we full time we have National Interstate. One of the few who will do full coverage including contents for full timers. Might get a quote from them.
__________________
Paul, Kathy, and Tux the Mini Schnauzer
2014 Tiffin Phaeton 42 LH, 2013 Honda CRV
"When the time comes to look back, make sure you'll like what you see"
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08-24-2014, 10:21 AM
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#5
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Senior Member
Monaco Owners Club
Join Date: Apr 2009
Posts: 211
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Thanks I just checked and the annual policy cost in 2011 was $1636, now in 2014 it's up $1000--no claims, no accidents or traffic violations.
Sheesh I wonder if they need an older partner for Flo....seems like the pay might be nice.
__________________
2009 Monaco Camelot
2015 RAM 2500
Blue Ox Aventa LX
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08-24-2014, 10:22 AM
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#6
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Senior Member
Monaco Owners Club
Join Date: Apr 2009
Posts: 211
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Quote:
Originally Posted by Coma
I use USAA also. Progressive quotes >$900 for the same coverage I get from National General for <$500. I can find no problems with them, although I have looked because they are so reasonable.
FWIW if you have an umbrella with USAA they cover a vehicle that is not insured with them under the umbrella limits. If you ask they will specifically name the vehicle in that policy as they would if they insured it.
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I'll have the check out the umbrella policy with USAA. Thanks
__________________
2009 Monaco Camelot
2015 RAM 2500
Blue Ox Aventa LX
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08-24-2014, 10:27 AM
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#7
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Senior Member
Fleetwood Owners Club
Join Date: Dec 2011
Location: Willow Lakes RV & Golf Resort, FL
Posts: 3,163
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Try National Interstate thru Twin Peaks out of Ft. Lauderdale FL. I been thru this hunt and find for the last two years plus. They came in the lowest with the same full coverage as last years Blue Sky which went up over a thousand for no reason. It truly is a lousy business scheme by all insurers!
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Clay & Pebble
2012 Providence 42 M. Spartan Chassis, 450 ISL
Ford Edge toad, RM All Terrane, TST TPMS, SMI Air Force One, RVM95....
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08-24-2014, 10:34 AM
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#8
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Senior Member
Country Coach Owners Club Retired Fire Service RVer's
Join Date: Feb 2013
Location: Ocala, Florida
Posts: 6,295
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Blue Sky will also quote FT coverage. They were least expensive for us this year. Quotes change from year to year based on the claims experience the particular company has in your garaging area. Not your claim experience, but everyone's claim experience.
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FMCA #F431170, GS #822128658, Escapees SKP #112655
2012 Airstream Mercedes Interstate Class B
[SIGPIC][/SIGPIC]
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08-25-2014, 06:31 AM
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#9
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Senior Member
Join Date: Jul 2010
Location: Conway, SC
Posts: 2,557
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I have a different take on it. I explained to Progressive that although we live in our motorhome, in no way do we travel 12mos. out of a year, I told them what our average mileage is. So why would I pay for fulltime insurance. They agreed. Our yearly premium is $640, with a $24 roadside assistance rider.
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2000 Dutch Star Pusher
2009 Saturn Vue Towed
Full timed for 6yrs.
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08-25-2014, 11:27 AM
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#10
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Senior Member
Join Date: Jul 2014
Posts: 225
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I've had Allstate, Progressive, Hartford (through AARP) and AAA (of Southern California) in that order. Allstate was the highest by far, Progressive and Hartford pretty much a wash and AAA by far and away the least expensive. The coverage from all of them was virtually identical.
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08-25-2014, 11:39 AM
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#11
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Senior Member
Damon Owners Club Freightliner Owners Club
Join Date: Mar 2006
Location: North East Texas
Posts: 4,946
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we have texas farm bureau
we use our RV PORT as the main residence and are free to travel 12 months
our policy is $469.00 every 6 months
500 deductible
we get discounts for having our home owners and truck policy.
no wrecks or tickets in 3 years
I did push in a bumper with my front tire with the pickup in 2011..she took off and stopped, I rolled forward...squish
our pickup was creamed last feb by a person insured by state farm she turned right to turn from the 3rd left lane and about took off the whole front end
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USN Retired, Life time member of the DAV.
Enjoying the 2008 Damon Tuscany 4056, #3998 no your eyes are fine, there are really 6 slides
2022 F150 King Ranch or 2012 Edge toads
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08-25-2014, 12:52 PM
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#12
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Member
Join Date: Oct 2012
Posts: 62
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Check with FMCA insurance, the agency is Farm and City and they were quite reasonable for our motorhome. Agnet was Robin Nelson
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08-26-2014, 06:05 AM
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#13
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Senior Member
Monaco Owners Club
Join Date: Apr 2009
Posts: 211
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So far I have 4 estimates ranging from $800 to $1500 less than Progressive for the same coverage. Blue Sky is least expensive, others considered National Interstate (via Good Sam) Foremost and Allied (via FMCA).
Sorry Flo...
__________________
2009 Monaco Camelot
2015 RAM 2500
Blue Ox Aventa LX
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08-26-2014, 08:17 AM
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#14
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Senior Member
Join Date: Mar 2012
Location: Palmer Ak
Posts: 1,136
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We are not 'full timers' and our insurance is about $1015 a year. But we also get a 'refund' when we put it away for the winter months. We are with State Farm and have been for about 40 years.
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2009 38' Diplomat
CSM- retired, wife as co-pilot
Reka & Ali providing security (our 2 labs)
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