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Old 04-14-2013, 11:22 AM   #127
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I’ve had Progressive since buying my motorhome in 2006. Premiums have gradually gone up by $200 over that time, but so have the premiums on all of my other insurance policies. I filed two claims during that period and had zero issues with them. I got quotes last year from other companies and found two companies that could beat Progressive’s premiums, but they couldn’t offer me the purchase price protection that Progressive does. This pays me my original purchase price in the event of a total loss, instead of "fair market value". I like that assurance, so I’m still with them.

Craig
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Old 04-14-2013, 12:13 PM   #128
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Originally Posted by Craig P. View Post
I’ve had Progressive since buying my motorhome in 2006. Premiums have gradually gone up by $200 over that time, but so have the premiums on all of my other insurance policies. I filed two claims during that period and had zero issues with them. I got quotes last year from other companies and found two companies that could beat Progressive’s premiums, but they couldn’t offer me the purchase price protection that Progressive does. This pays me my original purchase price in the event of a total loss, instead of "fair market value". I like that assurance, so I’m still with them.

Craig
Absolutely agree that full purchase protection is an important consideration in some cases for some people. For my brand new MH, when I asked Geico what would they pay for a total loss, he said $138,000 which covers it. When I asked him about a 5 year old coach, he said $91,000 which will cover my coach for the 5 years we plan to "practice" in it before going full time and buying the retirement MH.
Geico also told me that .96%, less than 1 % of all claims are "total loss". Like the homeowners insurance company that wants to insure my SB house for what it would cost to build today from the ground up. Problem is, I haven't seen too many house claims that are re-built from the slab up. Barring a complete fire, or Hurricane, not sure if replacement value is worth the extra premium, but I'm a "glass half full" type of guy with only one insurance claim in 36 years insuring cars, airplanes, toys, houses, etc.
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Old 04-14-2013, 12:28 PM   #129
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Iím sure youíre correct with those figures. In my case, Iíve seen my fair share of RVís over the years, engulfed in flames on the side of the road. Each one of them a total loss. Now that Iím retired, I could not afford to replace my RV with a fair market value depreciation, so I gladly pay extra for the coverage and the peace of mind. I agree, not everyone wants or needs this type of coverage.

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Old 04-14-2013, 12:44 PM   #130
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I’m sure you’re correct with those figures. In my case, I’ve seen my fair share of RV’s over the years, engulfed in flames on the side of the road. Each one of them a total loss. Now that I’m retired, I could not afford to replace my RV with a fair market value depreciation, so I gladly pay extra for the coverage and the peace of mind. I agree, not everyone wants or needs this type of coverage.

Craig
I'm jealous you are retired and doing what we plan to do in 5 years...or earlier if I want to pick my neighbors. In your experience, and my lack of, what would you say is the leading cause of a fire in the MH? Fridge? Generator? Just curious ...
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Old 04-14-2013, 03:26 PM   #131
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I'm certainly no expert John, but most of the ones I've seen on fire seem to have started at the rear of the coach. They were diesel pushers, so I'm assuming they started at, or near the engine compartment. I saw a gas rig that had been towed into my local RV repair shop, where the fire had started in the refer compartment. A quick form search of Norcold or Dometic fires will produce a large number of posts.

Unless I get hit by an 18 wheeler, I'm not overly concerned with my motorhome being totaled in an auto accident. Fires are what scare the heck out of me…

Craig
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Old 04-14-2013, 10:06 PM   #132
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Thanks for the follow up. Since this is our first MH, I'm certainly no expert either, but always interested in the "what-ifs.", as though I could control any of them. Our adventure in this lifestyle starts Thursday with the delivery inspection and Friday with the wife flying into Memphis and off we go to Houston via casino stops in Tunica MS, Natchez MS, Lake Charles LA. Funny how all our stops just happen to have a casino nearby. Gotta pay for this thing somehow.
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Old 04-15-2013, 11:38 PM   #133
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This is interesting to know. I have had progressive for several years on my cars and any claims have always been handled very well for me. But I just bought a 96 Damon Intruder 34' Class A. I purchased Progressive insurance for it. When it comes time to renew I will certainly shop around. I just figured I would get the best deal staying with a company I have been woth for years.
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Old 04-16-2013, 12:51 AM   #134
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I have Progressive full purchase protection on both of my RV's. I hope I will never have to use it. If I ever do need to use it I will have the money to replace either one. The difference between a policy without full purchase protection and one with is minimal. It would take many years to save what it would cost to replace either one for what I originally paid for them.
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Old 04-17-2013, 07:29 PM   #135
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We are USAA members since 1967 so we are counting on their big stick to keep Progressive in line. Without a long story we needed a tow and Progressive supplied the wrecker but didn't want to pay the bill.

Called USAA who contacted Progressive who agreed they should pay up. I'm happy. $470.00 richer.
USAA since 1967. Has all my insurance except motorhome and Harley. Go figure. Progressive has been great with both policies. I will keep Progressive.
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Old 04-18-2013, 03:31 PM   #136
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I have been with USAA since 1956 and currently have Progressive thru them on the motorhome. Glad to hear USAA carries some weight with them. Curious if your premium went up after your claim for towing?
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Old 11-21-2013, 06:22 PM   #137
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After reading every single post in this thread I feel the need to post a few observations:

1. Most those posting what their rates are with different companies are doing so without qualifying their policy. There is a big BIG difference between insuring a RV for full time use vs. "recreational" use. One guy says he pays $xxxx.00 per year for his insurance from Progressive and the next post says he only pays $xx.00 for his insurance through State Farm????? So are both coming from the same root? I doubt it as State Farm DOES NOT cover FULL TIME RV use. So there is no comparison.

2. As far as USAA is concerned I've seen low quotes for a RV (most likely a towed RV) vs. higher quotes from USAA progressive. USAA doesn't insure motorized RV's but uses Progressive as a "partner." You deal with a slightly different section of the company. Once again, it seems the comparison is also comparing a FULL TIME insurance at full replacement value vs. part time RV use and current wholesale value of the insured vehicle.

I guess what I'm trying to say is this very long thread is highly confusing to someone trying to research the cost of insurance for their particular requirements. Too many posts seem to compare apples to oranges. JMHO
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Old 11-22-2013, 02:19 AM   #138
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I insure with Geico and have had two major claims. One for a complete roof and another for hail damage. Both handled flawlessly and with incredible lightning speed not to mention their follow up. Also a window repair where they came to the house. Love them and no rate increase. I will never give progressive a dime of my money due to their progressive agenda.
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Old 11-22-2013, 04:16 AM   #139
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I insure with Geico and have had two major claims. I will never give progressive a dime of my money due to their progressive agenda.


Yeah, look who owns Progressive. Hence the name, probably.
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Old 12-06-2013, 12:01 PM   #140
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would it be totally uncouth to inquire how much your policies are per year?

USAA / Progressive just quoted me $4539 for the year and I just fell off my couch.
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