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Old 08-06-2013, 05:39 AM   #15
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I just renewed my progressive.com policy and it actually went down about $20. My philosophy is that if I don't have any claims after 4-5 years and my policy keeps going up, I start looking for a new provider.
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Old 08-06-2013, 08:18 AM   #16
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Originally Posted by mikebreeze View Post
I just renewed my progressive.com policy and it actually went down about $20. My philosophy is that if I don't have any claims after 4-5 years and my policy keeps going up, I start looking for a new provider.
We priced our cars and RV motorhome against Geico vs Progressive. In S Florida Geico was less but had difficulty obtaining ACV vs replacement cost. Once you are over $100000 they adjust value on market not ACV. So you lose depreciation not year of replacement as they advertise. Also comp and collision deduct choice is $1000 or $5000.
We chose $1000 since we would never see a nickel at $5000 . The multi vehicle discount made the difference and I took a Mature Driver course online with them.
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Old 08-06-2013, 07:09 PM   #17
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RV Insurance

I had Progressive a number of years and they were always cheaper when I checked with other companies. The last couple of years and especially this year, my rates rose dramatically. No accidents or large claims so I was very puzzled. Because of other comments on IRV2 and the fact I am an AARP member, I got a quote from them (Hartford) for the MH and autos. Their quote was much, much less than my Progressive renewal rate and the rates quoted from others. I also decided to go with $1,000.00 deductibles which made the rates even lower.
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Old 08-07-2013, 10:02 AM   #18
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Old 08-07-2013, 10:25 AM   #19
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Preferred customer with a high FICO, no tickets, no accidents in AZ. Full coverage, comp. collision 250,000/500,000/100,000 property damage which could be higher. Deductibles $250 and $1000. Roadside service, glass, uninsured motorist and underinsured motorist with multi line discounts.

For me Geico won after quoting many others.

GEICO six month policy $190.83 X2 = $381.66 per year.
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Old 08-07-2013, 05:26 PM   #20
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Thanks all.

We had a blowout and the accident within a few days of each other. No claims in 20+ years. No mercy from the insurance industry. There has to be more to what has happened to my rates than I have been told. I need to call the insurance company to get a better picture of why we are on their bad list.
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Old 08-07-2013, 06:56 PM   #21
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We have our RV with GMAC/National and our car with USAA. Initially had the RV with USAA but found out (luckily) they were insuring it as a car. So far no problems with GMAC/National.
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Old 08-07-2013, 07:10 PM   #22
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Erie may be available to you. They have been reasonable and flawless for over 25 years for us. Try a quote
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Old 08-08-2013, 12:16 AM   #23
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... What is the best (not cost but coverage & service) RV insurance? ....
You haven't said, nor (I think) has anyone asked, how you use, or plan to use your MH. This will impact your policy and premium. And you're right not to shop for insurance by price. Price shopping is for pool noodles and picnic supplies, not insurance. You wouldn't pick your surgeon based on price.

As someone has already said, you need a company that writes RV insurance, not just someone familiar with RVs. We have our motorhome with National Interstate, through the Poliseek Agency. We planned to also have them carry our car, but they don't write NC auto policies, so the car remained with State Farm. Initially, I wanted to keep everything with State Farm, but my SF agent was honorable enough to warn me that while State Farm insures a lot of RVs as campers, their coverages are woefully inappropriate for fulltiming in a motorhome. That's the kind of professionalism you want to find.
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Old 08-08-2013, 05:06 AM   #24
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You haven't said, nor (I think) has anyone asked, how you use, or plan to use your MH. This will impact your policy and premium. And you're right not to shop for insurance by price. Price shopping is for pool noodles and picnic supplies, not insurance. You wouldn't pick your surgeon based on price.

As someone has already said, you need a company that writes RV insurance, not just someone familiar with RVs. We have our motorhome with National Interstate, through the Poliseek Agency. We planned to also have them carry our car, but they don't write NC auto policies, so the car remained with State Farm. Initially, I wanted to keep everything with State Farm, but my SF agent was honorable enough to warn me that while State Farm insures a lot of RVs as campers, their coverages are woefully inappropriate for fulltiming in a motorhome. That's the kind of professionalism you want to find.
We are volunteers and live in the rig year round. We travel from coast to coast doing repairs and light construction for Christian camps, orphanages, conference centers, churches ... We do this through Servants On Wheels Ever Ready . I have been doing this for about 7 years.

We just discovered within the past few days that my wife has a false hit on her credit report. She is trying to get it corrected. This, and the accident may be why my insurance payment DOUBLED over last year.

I was with Progressive at one point but they only sold RV insurance. I called to test what they would do for roadside assistance if I needed a tow. The girl I spoke with had not clue that Joe's towing in town could not tow my 32,000 # motor home. I'm glad that was only a test. I am familiar with how difficult it is to get 'real' rv insurance. Doctored up auto policies just won't cut it. And being full time puts another detour to finding a good rv insurance co out of SD.

All of your suggestions are great and I am following up as best as I can. If there are other full timers out there that have a company that they like that service SD please let me know. Some don't advertize and are hard to find.

Thank all.
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Old 08-08-2013, 09:21 AM   #25
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I'd agree with the concerns but the money saved on a policy, in many cases $500 per year would pay for plenty of roadside service. The price for a full-timer versus a vacation rating is big also.

I'm all for saving money and if that means I need to coordinate roadside service and send in the bill, that's fine by me. For many years I used one of the big three and over paid by thousands through the years; we used roadside assistance once.

Your insurance agent is always your best friend until you quote the policy and find you have been overpaying...
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Old 08-08-2013, 09:27 AM   #26
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Check out Blue Sky RV insurance. Better coverage than progressive, and a whole lot less yearly.
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Old 08-08-2013, 09:35 AM   #27
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I just dropped Blue Sky because of an exclusion for parking within 1500 of an tidal or named body of water.
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Old 08-08-2013, 11:56 AM   #28
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We use AAA insurance for all the cars, motorcycles, house and RV. Saved 50% over everyone else.
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