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Old 04-18-2019, 07:07 PM   #57
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We have had Safeco for three years. Very minimal increase year over year so far. I’m sure we will see the bigger increase at some point but so far so good.
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Old 04-18-2019, 07:12 PM   #58
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Feel bad for you but we are all in the same boat. Car ins went up this month and just got the home ins renewal and it went up $500.00 from last year due to all the fires and flood claims last year I even have my house and all three vehicles insured with the same company. Good Sam National General.
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Old 04-18-2019, 07:16 PM   #59
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First year rates are teasers. Rates will increase by 25% or more with renewal. Insurance companies rely on you to not change coverage year 2 or any other time after.


The best way to keep rates low is to change insurance companies every year or two.
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Old 04-18-2019, 10:09 PM   #60
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Same here in CA with National General, mine went up $250.00. They told me the same thing rates in CA and TX went uo ugh.
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Old 04-18-2019, 10:33 PM   #61
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Quote:
Originally Posted by StageCoachDr View Post
First year rates are teasers. Rates will increase by 25% or more with renewal. Insurance companies rely on you to not change coverage year 2 or any other time after.


The best way to keep rates low is to change insurance companies every year or two.
30+ years with USAA for home and auto. Seems like it’s the same amount every year. Nearly every year they issue a small refund if claims are less than premiums.

Just paid 3rd year MH insurance with Progressive thru USAA, no increase.
Also paid 3rd year of ESP with Good Sam, no increase.
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Old 04-18-2019, 10:46 PM   #62
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I tried USAA .... blah blah ads save... I hear people saying they are the best and cheapest...... Last time I called they weren't even close to being competitive 2 drivers 3 cars 5th wheel no claims in forever clean records ETC.

From what I have learned over the years, there really is no rhime or reason with ins companies. they decide X should be higher and they jack it up zip codes have more claims ... its a moving target.

I shop around often and go from there.

-David
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Old 04-18-2019, 11:01 PM   #63
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I had Progressive through USAA and they doubled my rates after 2 years.
I'm now with Hartford through AARP for half of what Progressive wanted to charge me.
We'll see what happens next year...
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Old 04-19-2019, 12:18 AM   #64
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Insurance Now Just Another Scam

As several have pointed out, terrible storms (floods, fires, hail, etc) are the given (true) reason for the truly unreasonable premium increases. Why unreasonable? One, the insurance cos post Billions in profits and Two, they NOW put all of us in a great big pool and have All Of Us pay for their profit losses. To me, that is the Scam part.

I am old enough to remember when YOUR premium was based on YOUR record. I had 3 Ins Cos deny this until I pointed out that I had worked in the insurance industry for 40 years. I did not tell them it was not home, health or hazard but they ultimately came clean.

These cos have to file for rate increases but if turned down they claim “we’ll leave the market” “we’ll be out of business” and other such lies. SO, they get the increases approved and WITH ALL OF US paying, they get their money back much faster.

Be ready for higher cost with less coverage. Just as medical insurance now goes out of its way to limit what they will pay for.

My National General MH premium, of course, went up and I pointed out how my rig was now older and of less value. Response: “You’re in a pool and all insureds are getting premium increases” Me: Why?!? Response: “hail and flood claims” Me: I didn’t make any such claims and that damage was 300 miles south and 400 miles north of me. Response: Everyone in the State is in the pool.

To me this is pure horsesh*t and until we either get some legislative relief the tree huggers will get their wet dream realized and all of our vehicles will become priced out of reason to keep owning them.

Yea, I’m not too happy about what’s going on here.

Thanks
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Old 04-19-2019, 06:07 AM   #65
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Gary, on the OP. How was your shopping this week? Since we both have the same higher priced coaches, live in high risk hurricane zones, very interested in what others companies had to say. I did not have good quotes when purchasing last year when the coach was new. Many of the companies others have mentioned would not give a quote on the price of my coach at full replacement cost. Some companies with their quotes, I could have made a down payment on a new Cornerstone.
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Old 04-19-2019, 12:20 PM   #66
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This should be obvious, and I apologize up front for that, but the Good Sam plan really worked for us because we are not full-timers. We have a 2005 gas Class A coach (which we bought new) in great shape, and we use it about five months per year. State Farm was charging us $750.00 with $1,000 deductible. When we moved over the Good Sam (National General, which used to be GMAC), we put the coach in storage for five months (if we had left it there, cost would have been $104.00 for the year), and will take it out for five months starting in May. Total cost will be about $350.00. For you big coach guys, the math will be higher, and, if you are full time it may not work for you, but for us part-timers, it's a winner that nobody else offers.
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Old 04-19-2019, 06:06 PM   #67
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New Quote Today: Progressive, is the under writer.
From RVINS.COM
Today's Email

2015 43’ Entegra Asipre 42DEQ

Provided market value @ $230,000



Coverage:

$ 250,000/500,000 – Bodily Injury Liability (per person/ per accident)

$ 100,000 – Property Damage Liability (per accident)

$ 250,000/500,000 – Uninsured Motorist Bodily Injury

$ 250,000/500,000 – Underinsured Motorist Bodily Injury

$ 10,000 – Medical Payments (per person)

$ 250,000 – Vacation/Campsite Premises Liability

Towing & Roadside Assistance (reasonable expense)

$ 1,000 – Comprehensive Deductible

$ 1,000 – Collision Deductible

Disappearing Deductibles (25% deductible credit per claim free year)

Total Loss “Actual Cash Value” Coverage

$ 750 – Emergency Expense Coverage

$ 3,000 – Personal Effects (replacement basis)

$ 2,500 – Utility Trailer/ Tow Dolly (used with motorhome)



Premium: $ 1,096.00 per year (on above package)



Coverage Options: (add to package premium)

Option 1: $ 62.00 - Change comprehensive & collision deductibles to $500

Option 2: $ 215.00 - Change comprehensive & collision deductibles to $250

Option 3: $ 22.00 - Change $250,000/500,000/100,000 liability & UM to $500,000 CSL

Option 4: $ 163.00 - Change $250,000/500,000/100,000 liability & UM to $1,000,000 CSL



Discounts applied: Paid in full, Clear driving record (last 36 months), Advanced quote (effective date 4/24/19 or after), Original owner, Homeowner

Rate program: Personal use, occupied less than 150 days per year
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Old 04-19-2019, 06:21 PM   #68
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From one who has had a claim, you will be seriously underinsured on a total loss for your contents. It’s probably the least expensive piece on your coverage. Take an honest look at all you carry - dishes, supplies, tools, clothing, etc. - and insure it for that amount. You can lose it all.
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Old 04-19-2019, 07:07 PM   #69
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Good catch, Rick!
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Old 04-19-2019, 07:12 PM   #70
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When we purchased our Entegra two years ago we turned to USAA who had our auto policy. USAA doesn’t insure RVs so they pushed us to Progressive to insure the coach. The rate seemed high but we didn’t bother to shop as historically USAA had been good to us and supposedly we were getting a USAA preferred rate at Progressive. This year that already high rate increased by another $500...no tickets, no accidents....EVER!

So.....after reading through this thread I decided it was time to shop for a better rate. I turned to Ron at Overlund to do the legwork and he came back with a quote this afternoon that saved me nearly 50% from my existing policy! Thanks Ron...super job!
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