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Old 02-22-2012, 03:29 PM   #1
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Insurance Question

We are getting quotes for an insurance on our new motorhome. Got a great quote from Blue Sky, about $800 less than Progressive. Anybody have any experience with this company? Pros/cons? Thanks.

Bill
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Old 02-22-2012, 03:43 PM   #2
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Assuming each policy matches items on a detailed coverage-to-coverage basis, this could be a good deal. However, don't forget the old adage:"If it seems too good to be true, it probably is not"

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We are getting quotes for an insurance on our new motorhome. Got a great quote from Blue Sky, about $800 less than Progressive. Anybody have any experience with this company? Pros/cons? Thanks.

Bill
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Old 02-22-2012, 04:02 PM   #3
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Look at the quote for each company all the coverages should be listed. Look for reviews on line on how satisfied people were when they had a claim. Saving a little could cost u big time when something goes wrong. Usually initial quotes are much closer which leaves me to believe you are not comparing apples to apples. Make sure you have the same deductibles on each. Do you have replacement coverage or ACV?
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Old 02-22-2012, 05:50 PM   #4
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Something to consider as I learned the hard way. I choose an ins co. (Not to be named) based on price with what I thought were all things equal after much research. Had to input the #of months we would be on the road. OK. Then when I went to cancel the road coverage and put it in storage (In a pole barn on my residence property) I was told it would only save me $10/mo for the remaining months. They said that liability had to remain on the policy along with fire/theft and thats that kept the premium hi. I wrongly assumed it would be like our antique cars around 10% of the premium vs the majority to store. What I will ask next time is what BOTH costs wil be and if there is a cancellation FEE on top of prorating the unused balance for refund if cancelled. I still came out on top in the end but thought I would have saved more and was happy for getting a 1yr contract vs 6mo like some.

Live and learn.
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Old 02-22-2012, 06:18 PM   #5
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Quote:
Originally Posted by billc73 View Post
We are getting quotes for an insurance on our new motorhome. Got a great quote from Blue Sky, about $800 less than Progressive. Anybody have any experience with this company? Pros/cons? Thanks.

Bill
I don't think Blue Sky is an insurance co but rather a broker. I got a good rate thru FMCA/GMAC but a lot of folks don't like em. Also try Poliseek. I believe they sell National Interstate which had very good prices but asked me to go elsewhere when I cancelled my coll and comp for storage. If it is financed, I don,t believe you can cancel your coll/comp. Here in NV, we must maintain PLPD even if it is not driven or turn in the license plates.
Good Luck
Richard
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Old 02-22-2012, 06:55 PM   #6
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We have Blue Sky(Twin Peaks) and have been happy with their service. At least you get a person to talk to right away instead of endless recordings. The carrier is Companion Property and Casualty Ins. Co. They only write RVs and fulltimers as well.
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Old 02-22-2012, 06:56 PM   #7
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Here is a website (AM BEST) that rates insurance companies.

Link
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Old 02-23-2012, 07:36 AM   #8
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Gilbert RV Insurance in Orlando Fl. is a well known broker. We went through them and signed with Victoria Insurance and yes about half price of Progressive. We had Progressive for a while and got a good first year rate but the rates went up ever year.

We just recently got new quotes from GMAC, Progressive, State Farm and a couple of others but none could come close to Victoria on exactly same policy limits.

The people at Gilbert was very nice and will reevaluate your needs each year if you want.
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Old 02-23-2012, 09:36 AM   #9
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I have To change Ins. Co. every year, the rates go up about 50% from 1 year to the next. I just changed to state farm this year. Gmac was more than double the rate. I have C D L license and a perfect driving history going back to 1973.
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Old 02-23-2012, 10:45 AM   #10
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I had Progressive. The rates went up every year, so I changed companies and got the same coverage for much less.
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Old 02-23-2012, 03:43 PM   #11
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I'm with you on Gilbert. Have used them for years and they are very responsive. On any inquiry they will compare prices and call you back with 2 or 3 quotes. Nice people.
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Old 02-23-2012, 03:53 PM   #12
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I have To change Ins. Co. every year, the rates go up about 50% from 1 year to the next. I just changed to state farm this year. Gmac was more than double the rate. I have C D L license and a perfect driving history going back to 1973.


Do they ever tell you why they are trying to boot your rates up so high? That's terrible!
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Old 02-25-2012, 06:43 PM   #13
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I had Progressive. The rates went up every year, so I changed companies and got the same coverage for much less.

CAT 320

You changed from Progressive to who?
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Old 03-02-2012, 06:16 AM   #14
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Re: Insurance Question

Keep looking around, no need to be hasty. If you’re 50 or over, AARP motorhome insurance is an affordable way to make the insurance issue go away.
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