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Old 03-26-2016, 10:57 AM   #15
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Will Hartford sell a full timer policy if you do not belong to AARP?
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Old 03-26-2016, 11:03 AM   #16
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Shop frequently . Rates are very specific to where you live, what you are insuring ,age, record ,etc and a big one .... what your credit rating is. Every company rates ea of these things differently. Remember your betting your going to have a big claim .. They are betting you won't. The old school agent is a real convenience provided they do their job but adds a large layer of cost ( who do you think pays them ? )
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Old 03-26-2016, 11:04 AM   #17
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It has gotten to where checking insurance has almost become a full time job. The way they package everything, you either need to be good at reading the small print, or have a good independent agent. Even then you need a second opinion.
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Old 03-26-2016, 11:16 AM   #18
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I don't get how you think it is based on your credit rating, at least it is not in California. State Farm has neither my SS# or my permission to run a credit check. It clearly states on my premium what my rate is based on IE, Safe Driving record, no accidents, multi vehicle ect. Never has it said anything about my credit score. I even asked my agent because if that were the case I'd even get a better discount than I already do. So is that how they do it in some States, I get the idea about responsibility, but some people could be great handling their finances but terrible drivers and vice versa.
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Old 03-26-2016, 01:14 PM   #19
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Mike I have no idea about Calif ins regs but Most places credit score is taken into account.
(EDIT)
On checking Hawaii Ma. and Ca ban credit score rating for car ins all other states use it.
Sure, as in all things of course not everyone with a poor score is more risky same with someone whos had 1 crash going to have another but as a whole the group has more claims evidently. Ins companies are all about rating the risk and use any statistic they can find to "rate" someone
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Old 03-26-2016, 03:29 PM   #20
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I have no loyalty to an insurance co., I shop around every year. But for the last 4yrs. no-one has been able to beat Progressive. Especially when you add in the emergency roadside service rider for only $24yr. Our rate actually decreased this past renewal.
When I had Progressive in the fine print their roadside service had a max towing distance of 25 or maybe 50 miles. Do they still have a low minimum like that?

I never had to use the towing service and had good luck with them on two claims.
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Old 03-26-2016, 03:50 PM   #21
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This is a good example of what MisterT described re the futility of comparing rates with other people. I changed TO Allied last year and saved $300. And my total premium is only $870 for broad coverage on a nice coach, nowhere near $4000. Of course, it's probably not an apples-to-apples comparison, but you can't just say "go with Progressive" or "go with Hartford" for a better rate.

By the way, I left AARP/Hartford several years back because I got better coverage elsewhere for less money, on both my cars and the coach. That doesn't mean I wouldn't go back, and I still get a quote from them when I shop around every couple years. But rate tables change, and so do personal situations that affect rates, so you should do your homework and avoid getting "married" to just one insurer.
Gary, we also went to Allied last year from Progressive as Progressive wanted over $3000 fur just the MH. This year Allied doubled our cost so I shopped around and got Hartford.
For many many years we had Pemco and still do on the house but they wouldn't do RV's then (although maybe they do now) so we switched.
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Old 03-26-2016, 03:55 PM   #22
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Mike I have no idea about Calif ins regs but Most places credit score is taken into account.
(EDIT)
On checking Hawaii Ma. and Ca ban credit score rating for car ins all other states use it.
Sure, as in all things of course not everyone with a poor score is more risky same with someone whos had 1 crash going to have another but as a whole the group has more claims evidently. Ins companies are all about rating the risk and use any statistic they can find to "rate" someone
The use of credit scores came from an outfit that sells the rating info. They lobbied the insurance industry and got them to use them as it allowed the ins companies to make more money. Some years ago they held hearings on it in WA state to change the laws and add WA to the ban but nothing ever came of it.
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Old 03-26-2016, 08:27 PM   #23
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I also have almost everything at State Farm. When I sought to insure the MH with them their price was over $240 more than Progressive. Now second year with progressive and clear record, $75 increase, with a letter speaking of smoothing payment changes over a long time.Hmmmm!! Shop, shop, shop.
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Old 03-26-2016, 09:56 PM   #24
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It really Pays to Shop around for RV insurance. we have been with AARP Hartford for 27 years. During that time we have had a Couple of Fifth wheels, Several Motor Homes and one Travel trailer. We insured some with Hartford and some with Good Sam, one with Allstate, one with progressive, and one with a Independent. Our two Stick and Brick Homes and all Cars have been insured with AARP Hartford the whole time. in 2014 I insured a Motor home with them again But time for renewal in 2015 I checked and went with Good Sam (National General) Because it was almost $200 Cheaper. This year at renewal time the rate went up $133 a year no claims or accidents. When I inquired as to why, they said it was because of the state where I have it registered. I started shopping and went back to AARP Hartford at a $175 a year savings Which was cheaper than what they wanted when I quit them for RV coverage in 2015. Go Figure. It pays to shop for rv and maybe other insurance. On my homes and Cars no one has been able to come within $300 of what I have paid each of the 27 years I have been with Hartford and I check every year. With an RV it has been a different story.
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Old 03-27-2016, 09:28 AM   #25
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Will Hartford sell a full timer policy if you do not belong to AARP?
No, if you insure with them, they will sign you up for AARP if you are not already a member.

Suggestion: Sign up for AARP yourself prior to getting the insurance. That way you can opt out of all the mailings, sharing of personal information etc, BEFORE you sign up. If THEY sign you up, you have the option of opting out, but only AFTER they have already shared all your information . . . Funeral Plans, Hip replacements, Shower stalls with water tight doors, Viagra ads, Porch sun guards that roll up on your house, etc. All of them a wast of time and unneeded, wait, maybe not the Viagra! Anyway, just a thought!

Oh, one other thing. You mentioned full timing it. The agent I spoke to said they DID offer full timer insurance, but I have not verified that in the actual policy . . . Do your due diligence and then you know for SURE!
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Old 03-27-2016, 09:48 AM   #26
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FWIW
If you are an honorably discharged veteran you are now eligible to join USAA. I've been with USAA over 40 years. If you are a member that makes your children eligible. USAA does not insure motorhomes, they have an agreement with Progressive for that coverage. My Progressive thru USAA policy is very affordable. Every year I have been a USAA member I get a check from them from something called my subscriber savings account, the checks are not small checks, the last one I got more than covered my motorhome policy. For a very long time you had to be an officer in the military to belong to USAA, they have changed their membership policy and if you now qualify I'ld give them a look. For the last 40 or so years every time a car insurance salesman would try to give me a quote I would say I'm already with USAA and they would just dry up and disappear. Their claims service is also excellent.
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Old 03-27-2016, 10:07 AM   #27
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I was insured by USAA for over 50 years. Four years ago, their rates went up and claims service started to suffer. I now live in Florida, and there are hardly any homes they will insure unless it's made from cast iron. No more USAA. My two cars and motorhome are now insured with Southern Auto Owners all for less than $2000 per year. Like someone else said, don't get too comfortable with your insurance company and shop around every couple of years.
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Old 03-27-2016, 10:33 AM   #28
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No, if you insure with them, they will sign you up for AARP if you are not already a member...
Thanks, then that won't work for me.
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