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Old 07-23-2005, 10:38 PM   #1
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Join Date: Mar 2003
Location: Northern CA
Posts: 978
I know that the King and Sandy are shopping around
for insurance for their new '06 LE3305.

She called me today and apparently Progressive
has some nice coverage benefits such as full
replacement cost as well as coverage when you
go to Mexico.

To compare apples to apples, it is best to actually find out what is
covered and how much the limit of liability is for the physical
damage coverage. Also, the deductible amount will greatly
affect the cost of the annual premium.

The State Farm policy only will pay the "actual cash value" of
the loss...... so if you total your rig, they'll only pay for
the value of a "used" rig. Not the replacement cost.

There is no coverage if your rig has a loss in Mexico.

Also, State Farm will pay up to $100 per occurrence for the following:

1. mechanical labor up to one hour at the place of its breakdown;

2. towing to the nearest place where the necessary repairs can be made during regular business hours;

3. towing it out if it is stuck on or immediately next to a public highway; or

4. change of tire, BUT NOT THE COST OR REPAIR OF THE TIRE.

So, with a $250 deductible, my annual premium for the '06 LE3305
is $282.

We also have the AAA premium membership and they will pay up to
$200 for a tow. So if we break down, between State Farm and AAA,
we'll have $300 for towing if we need it.
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Old 07-23-2005, 10:38 PM   #2
Senior Member
 
56Nomad's Avatar
 
Join Date: Mar 2003
Location: Northern CA
Posts: 978
I know that the King and Sandy are shopping around
for insurance for their new '06 LE3305.

She called me today and apparently Progressive
has some nice coverage benefits such as full
replacement cost as well as coverage when you
go to Mexico.

To compare apples to apples, it is best to actually find out what is
covered and how much the limit of liability is for the physical
damage coverage. Also, the deductible amount will greatly
affect the cost of the annual premium.

The State Farm policy only will pay the "actual cash value" of
the loss...... so if you total your rig, they'll only pay for
the value of a "used" rig. Not the replacement cost.

There is no coverage if your rig has a loss in Mexico.

Also, State Farm will pay up to $100 per occurrence for the following:

1. mechanical labor up to one hour at the place of its breakdown;

2. towing to the nearest place where the necessary repairs can be made during regular business hours;

3. towing it out if it is stuck on or immediately next to a public highway; or

4. change of tire, BUT NOT THE COST OR REPAIR OF THE TIRE.

So, with a $250 deductible, my annual premium for the '06 LE3305
is $282.

We also have the AAA premium membership and they will pay up to
$200 for a tow. So if we break down, between State Farm and AAA,
we'll have $300 for towing if we need it.
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2012 Itasca 30' flat towing a 2013 Jeep Wrangler
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Old 07-24-2005, 05:22 AM   #3
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Join Date: May 2001
Location: Klamath Falls, Oregon (The right side of the Cascades and home of Crater Lake)
Posts: 854
I think you would be wise to shop around. My insurance is with USAA.. the LE-3105 is going to be $181 per 6 months. I know yours is an '06 & mine an '05 but the difference is not that much. The towing & labor is included which is as good as say Good Sam's. High liability, medical, personal injury, full replacement,Full loan payoff, credit life for bofus, deductabiles $100 Comp. $250 Coll. I would suggest checking Geico, Progressive and Independent. Happy Trails!!
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