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Old 11-15-2014, 03:17 PM   #1
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RV Insurance

Just bought a new Class A. I have Progressive insurance. Just for kicks I priced insurance through Good Sam. GS quote was half that of progressive for the same coverage. Clean driving record. Any thoughts?
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Old 11-15-2014, 03:36 PM   #2
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Some people get great quotes through progressive, others like me have had the same results you got. For me progressive has always been the highest and by a large margin. Not sure why but insurance varies by zip code, driving record, credit report. I suggest you try getting quotes through a insurance broker, one that deals with lots of RVs.
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Old 11-15-2014, 03:41 PM   #3
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My guess is that if you were a new Progressive customer you would have gotten a lower quote. I've had them since 2007 and they (along with others) seem to keep turning the screws on existing customers while trying to attract new customers with low ball quotes.

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Old 11-15-2014, 04:05 PM   #4
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Agree with the above. Also, are you sure you don't have replacement cost coverage (it gets totaled you get a new rig) unless you want it? I found Progressive was really pushing that but unless you read the policy close you didn't even know you had it. On mine, when I dropped it my premium dropped by 50%.
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Old 11-15-2014, 04:08 PM   #5
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Try Hartford AARP, saved me 50% over Good Sam.
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Old 11-15-2014, 04:25 PM   #6
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Try Allstate. They beat every other comapny I called by hundreds.
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Old 11-15-2014, 06:35 PM   #7
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I agree with the insurance broker recommendation. Hi-Sage has served us well getting competitive quotes each year for us to review...I am very impressed with their customer service!
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Old 11-16-2014, 07:10 AM   #8
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We've been with Progressive for a little over 4yrs., and the premium actually went down this past renewal. One of the things I like about them is for an additional $24 a year you can get a roadside assistance(towing) rider. I know of no other place you can get that for just $24 a year. We had to get a tow in 2012 while at Destruction Bay, Yukon Territory. Had no problem getting it done. Actually I asked for and got a trailer for the coach since I didn't want my coach towed over all the frost heaves. Had to be taken to White Horse, 180 miles away. I can't imagine what that cost, but I'm glad I didn't have to pay for it.
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Old 11-16-2014, 11:01 AM   #9
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That's not an unusual experience among competitive companies. Shop around to see who has rates that best fit your personal profile (RV year/make/model, personal data, driving record, etc.). The company that is best for one person may be the worst for another, even though with seemingly similar RVs.

Make sure your rate comparisons are apples-to-apples, though. If you just let the agent pick what coverages he quotes, there are likely to be substantial differences based on that alone.
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Old 11-16-2014, 11:08 AM   #10
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I'm a new progressive customer and they beat the other 6 quotes I received both in price and quality and thoroughness of coverage.
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Old 11-16-2014, 02:43 PM   #11
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We were Progressive customers for 3 years... Year 1 their rates were by far the lowest, year 2 we had a $400 rise, year 3 another $400 bump (no tickets or accidents)... We are now Geico customers.
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Old 11-17-2014, 06:26 AM   #12
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I'm a firm believer in shopping around. Every year near renewal time I'll check with other Ins. Co.'s, but I've not been able to find any that beat what I have now with Progressive. I'm not loyal to any of them. They certainly won't show loyalty to me. It's ALL a bottom line issue.
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Old 11-17-2014, 01:34 PM   #13
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We've been using an independent insurance agent for several years. He shops for the best quote for us. I have checked with GS, Progressive, and others, and they are always higher than the rates he gives me!
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Old 11-17-2014, 06:30 PM   #14
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Flyer, I have Blue Sky and its a five star rated insurance company. Look online for there web site
My Ins is about half of what I could find here in Florida
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