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Old 08-29-2016, 02:04 PM   #1
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Insurance increase Blue Sky

I just receive a quote to renew my RV insurance. Here is part of the email I got
"Last year your annual policy was $1276.00 and this year your increase was 118.3%. It is shocking to say the least. This is a result of a rate revision based on losses in the category of Class A motorhomes that are longer than 35 and that Arkansas had an overall increase this year.."
I was shocked, I did have a claim for about 3000 when a limb fell on the slide,and did damage. Has anyone else had a an increase like this? To be fair we th Blue Sky they have been prompt when handling my one claim in 4 years.
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Old 08-29-2016, 03:00 PM   #2
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I had an increase from Nationwide, but only from 1100 per year
to 1300 per year. You need to shop around. Insurance rates change
every year based on each insurers claim experience.
You will get the best rates if you can put your car, home and
RV insurance with the same company.
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Old 08-29-2016, 03:33 PM   #3
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We never had loyalty to one company. Checked prices every 2-3 years and went with the best one. They all change after a period - but never a jump like that!

Here's a good company to work with for checking for the best price for you.

Miller Insurance Agency
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Old 08-29-2016, 03:41 PM   #4
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One thing I learned years ago was that insurance companies are not your friend. Most will give new customers a low teaser rate for years 1-2 then wham, up goes the premium because you have to help them recover their losses. For this and other reasons, I monitor my premium renewal prices closely and as others have stated, shop 5-6 different insurance brokers for the best deal.
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Old 08-29-2016, 04:58 PM   #5
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The truth is that insurance companies are not in this business for any other reason that to make a profit.

No matter how you look at it, they have setup this system to not take a loss at the bottom line. They will get their money back from you if you claim damage of any kind. It's in their formula.

My guess, with your new premium, they are handing you your hat for making a claim. They never lose this game.

Mandated insurance only gets you legal, the rest is just a year by year joy ride of hassle...
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