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02-22-2012, 02:29 PM
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#1
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Registered User
Join Date: Feb 2012
Posts: 8
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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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02-22-2012, 02:43 PM
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#2
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Senior Member
Join Date: Apr 2004
Posts: 3,796
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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"
Quote:
Originally Posted by billc73
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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__________________
George Schweikle Lexington, KY
2005 Safari (Monaco)Trek 28RB2, Workhorse W20, 8.1, Allison 1000 5 spd, UltraPower engine & tranny, Track bars & sway bars, KONI FSD, FMCA 190830, Safari Int'l. chapter. 1999 Safari Trek 2830, 1995 Safari Trek 2430, 1983 Winnebago Chieftain, 1976 Midas Mini
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02-22-2012, 03:02 PM
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#3
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Junior Member
Join Date: Jan 2012
Posts: 23
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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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02-22-2012, 04:50 PM
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#4
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Senior Member
Newmar Owners Club
Join Date: Nov 2011
Location: Michigan
Posts: 894
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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.
__________________
1999 Newmar Mountain Aire MADP 4080, Cummins ISC 8.3L, Allison, Spartan MM IFS, Howard Power Center, Chev Trailblazer LTZ Towed w/ BlueOx rigging, Segway X2.
www.shaw11.com
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02-22-2012, 05:18 PM
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#5
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Senior Member
Winnebago Owners Club Solo Rvers Club Freightliner Owners Club
Join Date: Jan 2007
Location: Pahrump, NV
Posts: 479
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Quote:
Originally Posted by billc73
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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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
__________________
2004 Horizon 40AD/ISC 350/2012 SILVERADO or 2008 Chevy HHR/Demco/Vmspc/2013 Polaris RZR
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02-22-2012, 05:55 PM
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#6
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Senior Member
National RV Owners Club Freightliner Owners Club
Join Date: Oct 2009
Posts: 1,875
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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.
__________________
2001 National Tradewinds 7370 300 Cat
2011 Jeep Wrangler Unlimited Sport
Officially fulltiming. The Journey Begins 
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02-22-2012, 05:56 PM
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#7
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Senior Member
Join Date: Oct 2010
Location: Warren County, NJ
Posts: 1,354
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Here is a website (AM BEST) that rates insurance companies.
Link
__________________
Gene & Ginger
2019 Chevy Express 3000 6.0L
2024 Grand Design Imagine 2600RB
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02-23-2012, 06:36 AM
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#8
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Senior Member
Winnebago Owners Club Freightliner Owners Club
Join Date: Mar 2007
Location: Home on the hill in Georgia
Posts: 2,742
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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.
__________________
Jerry Potter, Taz
1999 Coachman Catalina Sport
[SIGPIC][/SIGPIC]
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02-23-2012, 08:36 AM
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#9
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Junior Member
Join Date: Feb 2012
Location: Troy, Alabama 36081
Posts: 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.
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02-23-2012, 09:45 AM
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#10
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Senior Member
Fleetwood Owners Club American Coach Owners Club
Join Date: Mar 2011
Posts: 6,768
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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.
__________________
2014 American Eagle 45T
DD 13, 500 HP
Pulling a Honda CRV
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02-23-2012, 02:43 PM
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#11
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Senior Member
Monaco Owners Club Ford Super Duty Owner
Join Date: Oct 2010
Posts: 295
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Gilbert
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.
__________________
Joe from Ct.
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02-23-2012, 02:53 PM
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#12
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Senior Member
Texas Boomers Club Fleetwood Owners Club Solo Rvers Club Freightliner Owners Club
Join Date: Jul 2011
Location: Lakin, Ks.
Posts: 3,636
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Quote:
Originally Posted by Gene Fortune
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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Do they ever tell you why they are trying to boot your rates up so high? That's terrible!
__________________
[SIGPIC][/SIGPIC]Kent: 2015 Fleetwood Bounder 35K
With Ferbie (ShihTzu) Lilly (Pekingese) & Daisy (Yorkie) Memoriam: Katie, Spencer, Zoey, Susie, Angie
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02-25-2012, 05:43 PM
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#13
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Member
Join Date: Feb 2011
Posts: 45
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Quote:
Originally Posted by Cat320
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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CAT 320
You changed from Progressive to who?
__________________
2010 American Heritage
2016 ATC Stacker
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03-02-2012, 05:16 AM
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#14
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Junior Member
Join Date: Feb 2012
Posts: 6
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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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