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Old 12-11-2013, 09:35 PM   #169
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Shopping for RV insurance or listing what people pay is like shopping for a Mercedes in a Chevrolet dealership.

There are so many variables involved. I will list a few.

What state the vehicles are registered in.
What level of financial responsibility for liability and medical.
Uninsured and under-insured motorist included.
What level deductible for collision and comprehensive.
Full-timers insurance included or not.
Additional riders for glass, trailers, personal property, etc.
What age are the driver's.

As you can see the list can get quite large and I have not listed everything that is in my coverage.

I recently reviewed my renewal with my agent as it went from $1389 to well over $2000.

After the review, I had it back down to $1370.

I'm not about to list out exactly what my coverage is but you get the picture. it really depends on each individuals personal situation.

If you don't like what you are paying, then I would suggest spending some time on the phone and get some new quotes. It pays to shop around once a year.

Dr4Film ----- Richard
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Old 12-11-2013, 10:00 PM   #170
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About 10 years ago, when Progressive first started doing national advertising, I had a new motorcycle and needed insurance. They took my money and all was well for about 18 months. When the bike was stolen the adjuster came to campus (I was going to college at the time) to complete the initial claim. After the basics were out of the way the first substantive question he asked was, "are you behind on your payments?" The next 15 minutes was entirely about my financials, where were the keys to the bike, what was my financial situation, did I ever steal anything, and on and on. I couldn't believe the nature of the inquiry.

When he got done he stood up to leave and I stayed seated at the table. He turned and looked down at me and asked if I had any questions. I'd never had an insurance claim, never had an at fault accident, had great credit, and so on. I just asked for his business card. When I had it in hand I asked if he knew the Insurance Commissioner's phone number.

I'm sure there are lots of people who have had good experiences with Progressive. I'm not one of them.

BTW, when the thief was spotted riding the bike around town there was a low speed chase (he didn't have a clue how to ride). He wrecked the bike, flipped over the handle bars and severely broke his collarbone. Then, he got up and attempted to elude the police on foot. When he didn't stop a rather large cop tackled him, landing on his freshly broken collarbone. Makes me smile whenever I think about it. I still miss that bike though.
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Old 12-11-2013, 10:11 PM   #171
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Great input here on MH insurance. I've always felt I was paying too much, but remained aprehensive about the "low ball" carriers like Progressive. I guess I need to find an impartial MH insurance specialist to help me sort through this objectively. Thanks for the many ideas. \ken
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Old 12-12-2013, 07:10 AM   #172
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I sent Flo packing. Had the USAA/progressive plan. Went from a 2011 Itasca at $2,000 a year I thought was excessive, to a 2013 Tiffin, and 2 months later to an Entegra and Flo must have blown a gadget. She went up $1,000 from the Itasca to the Tiffin, and a mind boggling $7,800 to a grand total of over $10,000 a year. Mind you never in my life have I even had a parking ticket, nor have I ever been involved in an accident I was at fault for, EVER IN MY LIFE. I could not imagine what it would be if I had anything like a speeding ticket. For that it might have been cheaper to bond myself and self insure the damn thing. Ended up going with a company called Blue Sky, they charged me the same as my original Itasca for the same coverage. \\Blows my mind
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Old 12-12-2013, 07:23 AM   #173
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Originally Posted by Dr4Film View Post
Shopping for RV insurance or listing what people pay is like shopping for a Mercedes in a Chevrolet dealership. There are so many variables involved. I will list a few. What state the vehicles are registered in. What level of financial responsibility for liability and medical. Uninsured and under-insured motorist included. What level deductible for collision and comprehensive. Full-timers insurance included or not. Additional riders for glass, trailers, personal property, etc. What age are the driver's. As you can see the list can get quite large and I have not listed everything that is in my coverage. I recently reviewed my renewal with my agent as it went from $1389 to well over $2000. After the review, I had it back down to $1370. I'm not about to list out exactly what my coverage is but you get the picture. it really depends on each individuals personal situation. If you don't like what you are paying, then I would suggest spending some time on the phone and get some new quotes. It pays to shop around once a year. Dr4Film ----- Richard
Again claim service is why you buy! Check 2rs party sources . Switching a lot leaves you little leverage with ins. Commission if you get in a bind. :-Dave
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Old 12-12-2013, 10:02 AM   #174
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Progressive with the Harley, deer ran a stop sign and they paid for everything including the leather jacket with special pads for motorcycle riding, gloves and boots which were all damaged.
State Farm with the "hobby farm" (10 acres of land) had a break in and about $75k worth of tools, music equipment and other things taken. The insurance guy had no problem with anything taken except for the Ovation guitar. Wanted a picture of Thom with it ..... 2 air compressors, rather large welder, the whole house on demand electric water heater and the electric panel, etc. .... all that was fine but wanted a picture of Thom and the Ovation to prove we actually owned it.

On another note, found out that the insurance on the car went down going from MI to CA, the RV down almost $400 BUT the Harley goes up $300 .... apparently because MI is not considered a yearly riding state but SoCal is so more money.
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Old 12-12-2013, 09:26 PM   #175
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On another note, found out that the insurance on the car went down going from MI to CA, the RV down almost $400 BUT the Harley goes up $300 .... apparently because MI is not considered a yearly riding state but SoCal is so more money.
That's interesting...I always thought we Californians paid more for everything, including auto insurance.

Makes sense about the MC coverage, I rode year-round before giving up my bike two years ago.

Craig
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Old 12-13-2013, 05:10 AM   #176
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Moving to Fl in March...

Very interesting thread...no real surprises tho, just reinforces that insurance remains something of a art, not a science.

I started with GMAC...no claims on anything anywhere, no accidents with coach or cars. Rates went up from 1100 to 1800. In Mass, we have limited choices on insurance (Thanks lawmakers).

When I get down there, it will be interesting to see what happens to my rates. I only have the mh insured with Flo, not my cars, so that probably makes a difference. My cars and home are with Metropolitan (Snoopy vs. Flo? ) and once we get to our new home, I'll sit down with a few agents down there and look at moving everything.

Flo is hitting me up for about $1400/yr right now. I asked if they had a "parked at home" option, allowing you to drop to just bare minimums while the coach is not in use, and Flo replied with "That's already figured into your rate"...lol

Jim
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Old 12-13-2013, 07:48 AM   #177
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That's interesting...I always thought we Californians paid more for everything, including auto insurance.

Makes sense about the MC coverage, I rode year-round before giving up my bike two years ago.

Craig
Craig,
It probably is higher for MC's because of the law that lets them weave in between cars at stop lights doing less than 25 mph. Crazy practice. I don't think they could ever allow that in Texas as to many drivers open their doors to get rid of tobacco juice.

I have not had a claim on the MH and it is insured with progressive for 5 years now.

I did have a claim on a previous 5th wheel when the awning billowed out and tore. No questions asked. Adjust came and gave me book value for the awning which was way more than what it cost. I upgraded to a better awning with the extra money. I even told the adjuster it was to much money and he said i was one of the "lucky" ones as that was the book price.

No wonder our rates are so high.
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Old 12-13-2013, 08:35 AM   #178
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Craig,
It probably is higher for MC's because of the law that lets them weave in between cars at stop lights doing less than 25 mph. Crazy practice. I don't think they could ever allow that in Texas as to many drivers open their doors to get rid of tobacco juice.
It's called "Lane Splitting". It is not on the books per se BUT it is encouraged on just about any road at any speed. Going down the highway at 70+ mph in the HOV lane and you better keep an eye on your rear mirror cause you will find the bikes going past you on the double line. Don't weave cause you might hit one. You would not believe the number of bikers that have no clue that they would get a major ticket if they tried it in any other state if they tried to lane split.

As for the higher price for the bike between MI and CA, the insurance person said it was specifically because of the amount of time to ride. MI has snow so they think no riding for half the year but in CA in most places you can ride year round. That was the reason for more money, more time riding, more chances for accidents. Lane splitting was not even brought up. They did say that MI usually has higher prices cause of the insurance laws there and what you have to have compared to other states. When we went from FL to MI about 10 yrs ago our vehicle insurance almost doubled.
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Old 12-13-2013, 08:39 AM   #179
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Hmmm! I wonder if the insurance companies ever thought outside the box that the reason many people up North have a motor home is to escape to sunnier climes during the winter, so their driving is basically as long of a season. Oh well!
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Old 12-13-2013, 08:45 AM   #180
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Do you remember if this is with "Purchase Price" or "Actual Cash Value" in case of total destruction of the MH?

I had National Interstate for years on my 2004 36' Itasca with Purchase Price coverage but they continually increased premiums each year then last year jumped from $1,800 to $2,300 so I switched to Progressive after also checking GMAC through FMCA (quoted $1,650). Progressive dropped my premium to $1,147 but I had to give up the Purchase Price coverage, which I hated to do but couldn't see paying almost $1,200/year extra just to add that coverage with National Interstate.

Just received my Progressive premium notice for the next year and it increased almost 18%, which I figured would happen considering all I've read about Progressive.

Anyone have any recent experience with their insurance on motorhomes not increasing so much every year?
My Progressive policy renewed in August (2013) and the premium went up 20% from last year! I am not a happy camper!!!
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Old 12-13-2013, 09:57 PM   #181
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AARP/The Hartford wants $647 a year for our coach. Nice to be an old fart.
Since Progressive went up almost 18% to $1,351 for next year and I have all my other vehicles with Hartford, and have for over 10 years, I decided to give them a call today. I was quoted $2,277 for my 2004 Itasca 36', and this was for a little less liability coverage and higher deductibles than I'm currently carrying. I may call back again later and see if the rep might have hit the wrong buttons like the other Poster who was quoted over $4,500 for his MH.

I switched from National Interstate to Progressive because they had reached over $2,200/year but at least they was covering Full Cost Replacement.
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Old 12-13-2013, 10:04 PM   #182
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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.
After just receiving my premium notice for next year at $1,351 I called AARP Hartford and was quoted $2,277. I'm wondering what these clerks we're getting ahold of can be doing to come up with these figures. i think I'll call Hartford back in a week or so and see what answer I get then.
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