RV Insurance

[JiminJersey]

I've had GEICO for about four years, all the cars and the RV, and house through their subsidiary. No claims, and premiums have stayed constant, if not dropped a bit. Insurance can vary so widely in even a small geographic shift, your proximity to a high-risk area is important, as is the amount of your policy. My Bounder only costs about $500 a year, but I don't carry collision on it.

Before GEICO I had Allstate, but their prem's ran a bit high.

I haven't had an insurance claim since 1974, so I feel for you guys who get bumped up for no apparent reason. It's all done by computer program, and only rarely gets reviewed by human eyes. If you live in an area where there are a lot of bad drivers and claims, you pay the price. I know, because I live in south Jersey, and they're idiots around here...

[RTinVa]

Everyone has been very helpful in making suggestions and sharing their experiences with coverage and companies. It appears so far Hartford is leading on choices. The unfortunate part is my home is not an option for coverage. Not exactly sure why yet. Have to get a rep on the phone to discuss all options. I will keep you all informed on what I find out from the competitors once the research is completed.

[vandog]

We have a 2014 Fleetwood Discovery and use AARP, which is Hartford..... $1545.00 a year. We live in Florida and travel 6 mos. Out of the year.

[RTinVa]

Originally Posted by vandog

We have a 2014 Fleetwood Discovery and use AARP, which is Hartford..... $1545.00 a year. We live in Florida and travel 6 mos. Out of the year.

That is close to the numbers I received from Hartford as well. Thanks for your information.

[AZCactus]

We have AARP - Hartford for the car, truck and now home (used to have Amica but they decided to my raise rates - guess they lost money with the hurricanes\floods). We have had The Hartford for many years for the vehicles. Called them in April for a quote when we bought our new Coachman Miranda - they were so far out of line it made me laugh! Plus they did not quote specific coverages for RVs but lumped it with auto coverages. Coach ended up with Progressive. When the car - truck and home come due I'll get quotes from Progressive... I agree it depends on zip code, age, driving record, credit score, claims history, etc. etc. so make sure to shop around - sure glad we did!

[1ciderdog]

I have RV insurance through a broker, Hi-Sage Marketing in Escondido, CA. Through that broker I have had three or four different companies in the last 30 or so years. The present carrier is Allied and the rate went up about $75 this year. During the last year I had a drivers side windshield replaced and a large body repair from "kissing" a tree. I was a bit surprized it didn't go up more. I do think it is good to shop around if you are not pleased with the rates.

[freen03]

National Interstate gave me the best price and also the best coverage on each of our 3 Motorhomes.

[Clayobx]

We used Hi Sage in the beginning for our second coach, it was underwritten by Progressive and of course the premium next year went up for no reason. Had Hi Sage search this year no where close. I agree with freen103 National Interstate was the best rate. I researched three different brokers that quoted from National. Interesting prices varied from $200.00 to 500.00. Pays to shop!

[foodsman]

Hi guys,

Is there any BIG negitive to use an independent insurance agent to do all the legwork? It seems that would save a lot of time if they are reliable to in fact check the main companies.

What do you think?

Harry

[RTinVa]

Originally Posted by Clayobx

We used Hi Sage in the beginning for our second coach, it was underwritten by Progressive and of course the premium next year went up for no reason. Had Hi Sage search this year no where close. I agree with freen103 National Interstate was the best rate. I researched three different brokers that quoted from National. Interesting prices varied from $200.00 to 500.00. Pays to shop!

Clay,
Are you saying here that you called 3 different agents listed on the National Interstate site and received prices that varied 200.00-500.00 difference? Want to be sure I am understanding as I plan on looking into National Interstate.
Thanks!

[Clayobx]

Rich,
I did not go to National Interstate site. I first went with Hi Sage, a broker. They quoted Blue Sky which I was with, couple hundred bucks lower still out of line and another firm that represented National, too high. Then FMCA that uses National. This was better priced. Then I believe Allied also quoted National within a hundred or so of FMCA. I saw a listing in FMCA magazine for a broker in Ft Lauderdale Fl, Twin Peaks I have seen their adds in several RV mags. They quoted National at $350.00 less than FMCA also quoting National. That's why I say it really pays to shop around. Unfortunately, I've had to go through this for the last three years.

[RTinVa]

Clay,

Thank you for the information. You are correct when you say shop around. I have spent hours on the telephone and found National Interstate through CWI, Inc. beat my Progressive rate by 440.00 per year. I went with them as a result and because they have a no deductible windshield replacement.

Thanks all for the assistance. I will be doing this again I am sure periodically.
Safe travels!

[Koop]

I thought my Progressive premium seemed high. I'm due for renewal this week. Last weekend at the FMCA Convention in Redmond, Oregon, I got a quote from Cheryl Howarth at Miller Insurance (an independent broker). Cheryl is an RV specialist.

She found a policy for me that was about $900 less per year than Progressive. The coverage is similar. Her e-mail is cheryl@millerrvinsurance.com. She can get you a quote and provide policies in all 50 states.

[RTinVa]

Originally Posted by Koop

I thought my Progressive premium seemed high. I'm due for renewal this week. Last weekend at the FMCA Convention in Redmond, Oregon, I got a quote from Cheryl Howarth at Miller Insurance (an independent broker). Cheryl is an RV specialist.

She found a policy for me that was about $900 less per year than Progressive. The coverage is similar. Her e-mail is cheryl@millerrvinsurance.com. She can get you a quote and provide policies in all 50 states.

Guess I pulled the trigger to quick with my new rate. Congratulations! Next time.