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Old 04-16-2008, 11:03 AM   #15
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<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by AFChap:
For insurance, you will want to get fulltimer coverage from someone who understands/insures RVs. USAA might now if they have gone through with their plan, but they couldn't compete when I bought my coach in 2003. RV insurers can provide fulltimer coverage that provides general liability coverage normally provided through homeowner insurance. We also have full-replacement cost for the first five years (highly recommended if you buy a new coach), decreasing deductible, and glass coverage w/$50 deductible. Ours is with National Interstate through Explorer RV (a broker who searches for the best rate for you among several providers). Progressive and also good with RV insurance. Rates vary widely depending on state of residence, driving record, credit scores, etc but you should be able to get good coverage even for a higher end rig for $1000-$1500 per year at the most. </div></BLOCKQUOTE>

I also have National Interstate, and if you have the replacement option you'll pay more than $1000-$1500 per year if you have a high end coach. My premium went from $2100 a year on a 2007 Dynasty to $4400.00 per year for my 2008 Signature. The reason being that during the first five years if you total your coach they will replace your coach with a current model year coach, and between year 6-11 they give you the purchase price of your coach back. With that being said I still haven't found anybody to beat their price. Progressive was over 12K a year...Of course part of that is I also list my 20 year old son as a driver.

Charles and Martha*2008 Monaco Signature
FMCA #F388752*GoodSam Life Member
2007 Ford Explorer - Toad
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Old 04-16-2008, 12:51 PM   #16
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<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">if you have the replacement option you'll pay more than $1000-$1500 per year if you have a high end coach. My premium went from $2100 a year on a 2007 Dynasty to $4400.00 per year for my 2008 Signature </div></BLOCKQUOTE>
Wow!!! Sounds to me like 50% or more of that is your 20 yr old son as driver!!!! I started out paying right at $1,000 a year in VA for my Winnebago Ultimate Advantage before fulltiming, and now am paying apx $1,400 a year in TX for fulltimer policy WITH full replacement coverage. I don't know the Monaco models, but my Ultimate was the ultra high-end Winnebago at the time ...they dropped the Ultimate line after 2004.

Paul (KE5LXU) ...was fulltimin', now parttimin'
'03 Winnebago UA 40e / '05 Honda Odyssey toad
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Old 04-16-2008, 01:47 PM   #17
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Actually my 20 year added very little to the cost...what jacked up the rates was the line item on the bill of sale that said price $690,000.00. The cost factor on my Dynasty was a lot less than this, so the cost of the replacement rider was a lot less therefore the premium was less.

When you get into the high end coaches and have a replacement rider on your policy the insurance companies are going to hedge their bets cause they know that if in 10 years you total your coach they are going to have to write you a check for the sale price of your coach.
Charles and Martha*2008 Monaco Signature
FMCA #F388752*GoodSam Life Member
2007 Ford Explorer - Toad
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Old 04-23-2008, 01:07 PM   #18
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Location: west central FL
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Welcome and thanks to your family for your service to our country.

Others have mentioned extended warrentys. We have always purchased them with all types of products, and mostly have come out ahead in the long run. We have had 2 on RVs. We had Good Sam's ESP plan on a used class A MH and it paid out well and more often than we wished, with little hassle (we did opt for the Gold Plan w/$100 deductable). Then we traded for a big DP with an Extended warranty left over from original owner. Never had to use it in 3 yrs. When it ran out, we intended to get another Good Sam CSP plan, but upon reading the fine print of the contract, we found a new hidden clause (this clause was not in our older plan) that stated before claims would be paid, owner must show proof that vehicle has been regularly serviced since new to meet 'extreme' conditions. We have always had all our service done at Cummins Coach Care and never came close to going over the recommended time/milage frames, but would likely not have met whatever they decided was sufficient for 'extreme' conditions and have never used our coach under those conditions. We felt it was a sneaky way for them to be able to deny payment. They were very willing to take our money upfront without mentioning that clause. We opted to use the money for future repairs instead of getting caught in that trap.
Moral: Proceed with caution and read every word of the fine print - twice!

Lots of RVers would recommend rv.org (RV Consumer Group) for info on rating most brands and models of RVs. Will cost about $100 to join, but will likely save you $thousands. They'll send you books on how to spot a lemon, how to inspect an RV before you buy, & how to get the best deal. Their CDs rate Rvs by quality, customer satisfaction, highway safety, and type of use. They also give you weight ratings on each model, a very important fact you need to know before selecting any RV. You have to select either the drivable or trailerable type of CD. It would be wise $$ to get very well informed in the next few weeks before you actually start shopping in person.

Good luck and have fun learning!

Lois & John Miller
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Old 08-01-2008, 08:54 AM   #19
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Thanks to everyone above for their help - the info was a great help to us as we searched and bargained. Just to let you know, we picked up our '08 Newmar 4154 Allstar yesterday. We plan to do some shake-down trips locally before we take off on our year journey to see the states and find a place to call home.

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