Go Back   iRV2 Forums > MOTORHOME FORUMS > Class A Motorhome Discussions
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 12-21-2012, 01:08 PM   #15
Senior Member
 
Join Date: Mar 2005
Location: Northern Oklahoma
Posts: 3,682
Quote:
Originally Posted by tncruiser View Post
i would think the fact that you have stated value replacement coverage is the reason they are giving you 60k coverage on somthing that doesnt exist
if toataled your coach can be replaced for "x" you are insuring for "x+60k" and the gap grows larger every year, what your ins co. is telling you is we dont want the exposure
brianj
The increase for Total Loss Replacement only went up $54 (which is probably a pretty good buy), it was the increases for Collision and Compressive that hurt. The first went up $104 and Comp went up $297. Undoubtedly they are trying to recover all the storm damage claims from around the country. I'll see how the item-for-item prices compare when the agent calls back. Progressive shows you can buy their insurance over the Internet, wonder if that makes it any cheaper by eliminating the middle agents? But not having an agent to work with in case of a claim might be the main problem.
__________________

__________________
wagonmaster2 is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 12-21-2012, 01:29 PM   #16
Senior Member
 
LVJ58's Avatar
 
Join Date: Jul 2000
Location: Las Vegas, NV
Posts: 2,148
I might mention, that either last year or the year before, Foremost Insurance Co. was bought by Farmers Insurance Company.

I rather thought now that Farmers owns Foremost there would be a rate increase, but so far none.

Hope it stay that way...
__________________

__________________
Jim & SherrySeward

2000 Residency 3790 v10 w/tags 5 Star tune & Banks system Suzuki XL7 toad
LVJ58 is offline   Reply With Quote
Old 12-21-2012, 05:34 PM   #17
"Formerly Diplomat Don"
 
Dutch Star Don's Avatar
 
Newmar Owners Club
Join Date: Apr 2005
Location: Moorpark, Ca.
Posts: 9,308
I would double check that total loss replacement coverage. Most companies only do that for the first two years of a new vehicle. If yours is actually covering 5-6 years of depriciation, I could see why they're raising rates, even though they are spreading it out over the other coverage items.
__________________
Don & Mary
2014 Newmar Dutch Star - All Electric - 450 ISL
2016 GMC Canyon 4WD Crew Cab
Dutch Star Don is online now   Reply With Quote
Old 12-21-2012, 09:57 PM   #18
Senior Member
 
Join Date: Mar 2005
Location: Northern Oklahoma
Posts: 3,682
So far, assuming I give up the Total Loss Replacement at National Interstate which is $221 per year, GMAC will save me $466 per year plus an additional $63 for each month the coach is in storage. I got a quote from Progressive over the Internet and it would save me $885 per year over National Interstate, which I'm just a little skeptical of. Will have to go back and take another look at the coverages to make sure they are listing exactly what I put in the requirements. I know their original list for liability was $250,000/500,000 and I have been carrying 500,000 CSL. May be others they didn't change before giving me their quote. Can't imagine Progressive could be that much less than National.

I hate jumping around making changes in insurance companies, whether home or vehicles, for fear I unintentionally over look some coverage I have always had, in making the change.
__________________
wagonmaster2 is offline   Reply With Quote
Old 12-21-2012, 10:51 PM   #19
Member
 
s.j.sharks's Avatar
 
Newmar Owners Club
Join Date: Jul 2009
Posts: 55
GMAC is o.k. until you have a claim. I had a fender bender and filed a claim and the next renewal date I have a sizeable increase in premium. When I called and comlained they said flat out it was because of the claim. I changed companies and would never go back.
__________________
s.j.sharks is offline   Reply With Quote
Old 12-22-2012, 09:51 PM   #20
Senior Member
 
Join Date: Mar 2005
Location: Northern Oklahoma
Posts: 3,682
That's kind of what I'm afraid of. Maybe these insurance companies are doing like the satellite companies, your rate is just so much for the first 6 months or year then watch out after that. Kind of bait and switch. Even though Progressive will save me the most right now I've heard they are real bad about raising rates after they have you on the hook or after any kind of claim.
__________________
wagonmaster2 is offline   Reply With Quote
Old 01-01-2013, 09:48 PM   #21
Senior Member
 
RonK's Avatar
 
Fleetwood Owners Club
Join Date: Jan 2000
Location: Lancaster, OH
Posts: 344
wagonmaster
you are absolutely correct regarding progressive and rate increases.
Ask me how I know!!!
I'm currently looking for another company, what a pain!
__________________
2011 American Coach Revolution 42W
Honda CRV toad
RonK is offline   Reply With Quote
Old 01-01-2013, 10:10 PM   #22
Member
 
Vivarose's Avatar
 
Join Date: Jul 2012
Location: Valley of the Sun
Posts: 57
In Jan 2012 my Nationwide agent gave me a option to stay with full replacement for my 2006 or save money with less coverage. I choose to stay with higher insurance for 1 more year and spent about $200 more. On July 6, 2012 we lost Our VivaRose to a suspected refrigerator fire. Burnt down to the basement for a total lose. No one was hurt and only minor damage to others property. We feel blessed for that decision and recently was able to replaced her namesake VivaRose II. I will find out if insurance premium goes up later this month. Make a educated decision.
__________________
Kurt Baker, Debbie Glenn, and Lamar "Coton de Tulear"
VivaRose II "13 Ventana 3634" Rubi a Dingy "08Jeep"
CWA 9510 Retired
Vivarose is offline   Reply With Quote
Old 01-01-2013, 10:34 PM   #23
Senior Member
 
Join Date: Mar 2005
Location: Northern Oklahoma
Posts: 3,682
Ron - What kind of increase did Progressive hit you with? And how long were you with them?

Right now by giving up the Total Loss Replacement (not really Total, it's just the original purchase price instead of Actual Cash Value now that 5 years age have passed on the coach which I have verified with the agent but it means the difference between $150,000 and approximately $85,000 in case of complete loss) Progressive will save me $836 over National Interstate using the same Agent I have been.
Purchasing Progressive over the Internet will save another $184, then using a local Progressive agent here in town the quote I got will save another $306 but I've got to talk to that agent again in person to verify this quote (I'm just a little skeptical on that one.)
It's completely inconceivable that the local Progressive agent can save me over $1,300 from what National Interstate has raised by premium to for next year.
Kind of hard to decide if $65,000 extra coverage in case of Total Loss is worth the $1,300 when it really only adds $221 cost to the annual total premium. Any thoughts from those with more experience with insurance companies than I have?? Surely the risk of a complete loss would be very slim, and even more so if it weren't for the problems Norcold is having with their frigs.
__________________
wagonmaster2 is offline   Reply With Quote
Old 01-03-2013, 01:25 PM   #24
Senior Member
 
RonK's Avatar
 
Fleetwood Owners Club
Join Date: Jan 2000
Location: Lancaster, OH
Posts: 344
Wagonmaster:
I haven't replied yet as I wanted to "check around" for rates.
First answer, we have been with progressive since 2000, the year we first bought a motorhome. We have not seen an increase in any years like we had this year, ~$1400 to $2105/year. Also, I checked with the company that we insure our cars (4), MC, jet skis (2), and home and they quoted $3400. Then she checked with progressive and came up within $15 of our new rate. Checked with FMCA/GMAC and they quoted $2035/yr.
Bottom line I guess we'll stay with Progressive as our deductible is almost non-existant now and we are on total replacement value. GMAC will only give us total replacement if we insure everything with them less the home, then we loose the multi-car/home deduction.
I think we are all going to be paying for the east coast problems.
__________________
2011 American Coach Revolution 42W
Honda CRV toad
RonK is offline   Reply With Quote
Old 01-03-2013, 01:40 PM   #25
Senior Member
 
Country Coach Owners Club
Join Date: Jan 2006
Location: Redding
Posts: 3,412
Just got our Progressive renewal.

No increase in rate.

Progressive was cheaper than Allied last year by $70 so I did not change.
__________________
Dean
1995 CC Magna #5280
C8.3L 300hp Cummins, 31,000lbs
deandec is offline   Reply With Quote
Old 01-04-2013, 10:55 PM   #26
Senior Member
 
MrMudstud's Avatar
 
Fleetwood Owners Club
Ford Super Duty Owner
Join Date: Aug 2006
Location: Lafayette, LA
Posts: 357
Try this company. I left Progressive cause they went up in price. Blue Sky match the old price for the same exact coverage with the same value as the old coverage.

Thank you for requesting a Blue Sky RV Insurance quote from Recreation Insurance Specialists! The details of the quote are listed below.

Please call us at (866) 484-BLUE (2583) to purchase the quote, make modifications to that quote, or to discuss the quote in further detail with one of our agents - be sure to ask how you can save money on your insurance during the months your RV is in storage!www.blueskyrvinsurance.com
__________________
2003 Pace Arrow 34W, F-53 V-10 22,000#, 5-Star, Avg 7.7 MPG, ScanGauge II
WiFiRanger Elite Pack, WeBoost 4G-X, Voltage Booster,.Progressive Industries EMS
Water Softener, Safe-T-Plus, Koni, Centramatic Balancers, CHF, Rear Trac Bar, EEZ TPMS
MrMudstud is offline   Reply With Quote
Old 01-05-2013, 05:02 AM   #27
Senior Member
 
Grandpadave's Avatar
 
Join Date: Sep 2011
Location: Deland, FL
Posts: 162
Beware of GMAC insurance! I just went through the same thing. They have a " get you signed up, teaser rate" every 6 month renewal expect a 3 or 4 hundred dollar increase. When I called this renewal, they said "that's just the cost of doing business" took my business elsewhere!
__________________
Grandpadave is offline   Reply With Quote
Old 01-05-2013, 07:54 AM   #28
Senior Member
 
gripper's Avatar
 
Fleetwood Owners Club
Join Date: Nov 2009
Location: Lutz, FL
Posts: 772
Quote:
Originally Posted by Grandpadave View Post
Beware of GMAC insurance! I just went through the same thing. They have a " get you signed up, teaser rate" every 6 month renewal expect a 3 or 4 hundred dollar increase. When I called this renewal, they said "that's just the cost of doing business" took my business elsewhere!
I wonder what would cause that increase. I have GMAC, renewed last October, with a $75.00 decrease. And.... I previously had a $3000 damage claim, from a rear tire blowout!
__________________

__________________
Roland & Jerri, with Maggie & Mollie, our Pups; '05 Fleetwood Providence, 39' DP; '08 Saturn. "The difference between genius and stupidity is genius has it's limits" (Einstein)
gripper is offline   Reply With Quote
Reply

Tags
insurance, rvs



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 03:40 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.