Leads on Motorhome Insurance

[meant2shop]

We live in Oregon and have an '06 Pace Arrow 37C, which we purchased about a yr ago.
For the past year, we've had Allied Insurance, recommended by friends, through Miller Ins. agency in Lake Oswego OR. No claims, accidents, tickets, etc.
Our policy is up for renewal and the annual premium has increased from $675 to $810. Agent says this is due to rate increase, nationwide (??), on Agreed Value premium, which we have. Agreed
Value means if your MHM is totalled, you will be
paid what you originally paid for the rig, not the
"current NADA value".
Shopped around this morning to see if I could get a better rate. AARP/Hartford will only give you a quote if you also get a quote for ALL your vehicles
too, not just the MH. Our vehicles are insured with
Farmer's and we're happy with them, so no quote
from AARP. Also called the "new" Good Sam
Insurance Agency for quotes, which they claim would be from Allied, Good Sam, Foremost, Safeco,
Blue Sky, and National Interstate. Only received
quotes for Allied, which was $163 more than my
current Allied renewal rate, and Natl Interstate,
which was also much higher than my Allied policy
renewal rate. I also went on Blue Sky's website for
a quote, but they only accept drivers up to age 75
and my DH is over that.
So have decided to stick with our Allied policy through Miller Ins Agency.
Just for giggles, may see if any significant savings insuring MH and ALL vehicles plus home, through
AARP.
Definitely recommend shopping around for ins. Good Luck !

[Hit_the_Rhod]

[QUOTE= Shopped around this morning to see if I could get a better rate. AARP/Hartford will only give you a quote if you also get a quote for ALL your vehicles too, not just the MH. Our vehicles are insured with
Farmer's and we're happy with them, so no quote
from AARP. /QUOTE]


I don’t know if Hartford thru AARP has changed their policy since March of 2015 when we insured our new to us motor home, but we got motor home insurance only through them, very reasonably, one claim since for front windshields, zero complaints, they were extremely helpful.

I would call them again and hopefully you get someone else. All of our cars, and home insurance is with USAA, only coach with Hartfort/AARP.

[Wild Bill Ed]

I would second the recommendation of Jim Schecter with Blue Sky. I have an umbrella with him as well. State Farm rep friend of ours and where we have all other insurance said they could not touch the coverage level for the price. b

[meant2shop]

[QUOTE=Hit_the_Rhod;2922035]

Originally Posted by Shopped around this morning to see if I could get a better rate. AARP/Hartford will only give you a quote if you also get a quote for ALL your vehicles too, not just the MH. Our vehicles are insured with
Farmer's and we're happy with them, so no quote
from AARP. /QUOTE

I don’t know if Hartford thru AARP has changed their policy since March of 2015 when we insured our new to us motor home, but we got motor home insurance only through them, very reasonably, one claim since for front windshields, zero complaints, they were extremely helpful.

I would call them again and hopefully you get someone else. All of our cars, and home insurance is with USAA, only coach with Hartfort/AARP.

[meant2shop]

So following advice from many on this forum, I called back to AARP/Hartford this am. They couldn't beat my current Farmer's policy for our 4 vehicles plus homeowner's.

But - I saved well over half on the MH policy from Hartford, with all the same values and line items that were on our Allied MH policy! And didn't have to include all our vehicles on the Hartford policy as I was told yesterday,when I spoke to another rep, to get a policy on just our MH.
Thanks everyone for your help and great advice as always.

Susan and Jim
Merlin OR
'06 Pace Arrow

[Hit_the_Rhod]

Originally Posted by meant2shop

So following advice from many on this forum, I called back to AARP/Hartford this am. They couldn't beat my current Farmer's policy for our 4 vehicles plus homeowner's.

But - I saved well over half on the MH policy from Hartford, with all the same values and line items that were on our Allied MH policy! And didn't have to include all our vehicles on the Hartford policy as I was told yesterday,when I spoke to another rep, to get a policy on just our MH.
Thanks everyone for your help and great advice as always.

Susan and Jim
Merlin OR
'06 Pace Arrow

Glad it worked out, we come up for renewal if a few months, and I will see if they change my rates. Will post results. Take care all, and safe travels . . . . from Sunny Key West!

[Ray,IN]

Originally Posted by Ranger Smith

Allied

Ours is through Winnebago, but same company on the declarations page.

[Kro1957]

Appreciate everyone's comments! Great reading, tips and advice.

Gives all of us the opportunity to save some money. Appreciate the wise words of you experienced MH owners.

[TonyDi]

National Interstate.

[barmcd]

Originally Posted by LeeOts

On 12/16/15, my truck spun out on black ice and did considerable damage to the passenger side all the way from the headlight to the rear bumper. I had just changed to Safeco Insurance due to cheaper premiums. This is my "After Action Report" re: my experience with Safeco.


My wife heard from the "claims handler" about 10 days after the initial claim. By then, we had called our agent and asked for help getting things moving. The "claims handler" was basically useless.


This is the 3rd time we've used CN services. Even though this wasn't under CN's purview, their service was outstanding.


It wasn't until a month later, after the truck was already repaired, that the "claims handler" sent an e-mail acknowledging our out-of-pocket towing expenses.


The patch job held together fine until we were able to get an OK from Safeco to take it in for an estimate.


As far as I'm concerned, the "claims handler" was about as useless as teats on a boar hog.


Best line was when the repair shop called Safeco for the check. The "claims handler" said, "We sent the check on Dec 16th." The repair shop reminded them they weren't given authorization to start work until Dec 31st.

Bottom line, it's a 10 year old truck and was repaired to my satisfaction but the process was fraught with delays, cluelessness and plain incompetence on the part of Safeco. Draw your own conclusions about the value of low insurance premiums.

We have Safeco and had a somewhat similar experience with them. It didn't cost us anything, but delayed the process.

We filed a claim and they went and picked up the car from the police impound lot almost immediately. They put us in a rental car and said they'd begin processing the claim. A week went by, then two and we didn't hear from them.

Finally I called them back at their 1-800 number and they didn't seem to have any idea where we stood. All this time we were racking up rental car charges. An hour later I get a call from a regional Safeco office and they tell me the car will be repaired by a local to me body shop and they will be contacting me. Another hour goes by and I get a call from the local body shop.

We go over and they explain what they are going to do and how much it's going to cost----which almost 60 percent of what I figure the car is worth. I ask them if they are sure Safeco is going to spend that much and he assures me they are and that they've already ordered parts. He figures two weeks to complete repairs.

Three days later I get a call from the body shop and he says Safeco told him to stop. He said Safeco should call me soon. They called almost immediately after I get off the phone with the body shop and tell me they are going to total the car. We got a check in two days and were given an additional 72 hours from that point in the paid rental car to find a replacement.

It all seemed very inefficient.

[barmcd]

We still have Safeco and the motor home cost about $750 a year, but the premium on our other three vehicles went down so we have a net cost of about $500 extra.

[tim.kyfl]

Ditto Hartford/AARP. Fairly decent road service included. Had to use it first day of ownership after blowing radiator. Amazed at cost. Same with soon to be toad

[ZOOKER]

Time for me to renew and get some better quotes. I pull a 7x12 enclosed trailer and progressive has a $3k cap? The logan silver eagle lists for $12k? Was recommended to have rv & trailer with same insurer? Any thoughts or suggestions greatly appreciated.