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Old 06-15-2014, 08:11 AM   #1
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I'm a Wreck! What have we done? HELP PLEASE!

Hello all...I am looking for direction... please!

Scenario

Two age late-50's RV newbies, still working full time jobs. Wanted to connect with out of state family and have fun, weekends, short vacations. Researched, researched and looked for a month. Tried to understand all costs involved in RV ownership. Husband camped with pop-up way back when...understands camping, campgrounds, hookups, etc.

We found one- put a small holding deposit

The choice: A class C '06 Winnebago Outlook 25F SEEMINGLY well-maintained & beautiful in and out, with minor flaws (from dealer) that will be repaired. Sticker $39,995. Negotiated to $32,500, with full 12-month $100 ded. service contract included. Also, 6 mos. against exterior water leaks. We looked it over for an hour to best of our ability. No signs of water damage... No new wood, new flooring, soft spots, rippling, etc. Also test drove it. Seemed mechanically fine.

Money-wise, not sure if that was a good deal. Was it? I am scared, scared, scared. What have we done? It's a substantial amount of money, huge responsibility and potential money pit...

Financing

Who has the lowest financing rates for excellent credit rating? Essex through Costco?

Insurance

Got one quote from Amica. $1200+ for the year (in NJ) and we are already their customers. OUCH!!! Any recommendations for lower cost good RV-specific insurance?

Keeping it on our residential property

Occurred to us after we decided to get one!!!! Do most towns allow owners to park an RV in their yard? Or will we have a hard time with the township?

Having it checked out professionally

Should this always be done BEFORE purchase? How, when there is not a shop close by to where the unit is being sold? A family member has an RV shop an hour from where RV is being sold and an hour from our home. Can checking out professionally be done right after the sale, if put in writing that it can be returned in the event something dreadful is found?

Moth balls and Bounce dryer sheets!!!!!

Many dryer sheets found scattered all over the RV inside, and moth balls in holding/storage areas on the outside...obviously to keep varmints away! No mouse droppings found ANYWHERE (we opened & overturned everything inside), no obvious signs of chewed wiring, etc.

The dealer's place

Nicest people we've ever met in any retail business. Family owned and operated. Very laid back. Excellent BBB rating. In business since '05. Country friendliness. First RV place where we felt comfortable. Dealer (& business owner) said the previous owner is the nicest guy...would gladly let us talk to him about the unit if we would like more questions answered about it. Unit was originally purchased new from his place.

Lastly...Do you enjoy RV'ing/camping? Do the pros outweigh the cons??

ANY advice would be greatly appreciated. We have until sometime tomorrow to decide if we want to go through with the sale. Thank you!
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Old 06-15-2014, 08:37 AM   #2
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Just my opinion and you will get a lot of info here. Ask lots of questions to learn about RVing. Anyway, it sounds like you have done your homework and have a good dealer (important!). We were about your age when we got into RVing. We are now on our third, two class Cs and now a 14 year old Class A which we bought new....at 81 we still head out but not as much as some years ago.

Get the RV tomorrow and take a short trip....you can camp at a RV or state park just few miles from your home and it will be just the same as if you were 1,000 miles from home. RVers love to talk and help "newbies" with questions, so your camping neighbors will help you.

Sanitize your water system with bleach if it has not been done, use chemicals in your black tank...camp in your driveway for a day or two to feel more comfortable with your new RV.

Can't help with financing info. If you buy, post your year, model and home town so folks can know your rig with answers to your questions. Good luck.
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Old 06-15-2014, 08:42 AM   #3
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Quote:
Originally Posted by RVNewB101 View Post
Hello all...I am looking for direction... please!

Scenario

Two age late-50's RV newbies, still working full time jobs. Wanted to connect with out of state family and have fun, weekends, short vacations. Researched, researched and looked for a month. Tried to understand all costs involved in RV ownership. Husband camped with pop-up way back when...understands camping, campgrounds, hookups, etc.

We found one- put a small holding deposit

The choice: A class C '06 Winnebago Outlook 25F SEEMINGLY well-maintained & beautiful in and out, with minor flaws (from dealer) that will be repaired. Sticker $39,995. Negotiated to $32,500, with full 12-month $100 ded. service contract included. Also, 6 mos. against exterior water leaks. We looked it over for an hour to best of our ability. No signs of water damage... No new wood, new flooring, soft spots, rippling, etc. Also test drove it. Seemed mechanically fine.

Money-wise, not sure if that was a good deal. Was it? I am scared, scared, scared. What have we done? It's a substantial amount of money, huge responsibility and potential money pit...

Financing

Who has the lowest financing rates for excellent credit rating? Essex through Costco?

Insurance

Got one quote from Amica. $1200+ for the year (in NJ) and we are already their customers. OUCH!!! Any recommendations for lower cost good RV-specific insurance?

Keeping it on our residential property

Occurred to us after we decided to get one!!!! Do most towns allow owners to park an RV in their yard? Or will we have a hard time with the township?

Having it checked out professionally

Should this always be done BEFORE purchase? How, when there is not a shop close by to where the unit is being sold? A family member has an RV shop an hour from where RV is being sold and an hour from our home. Can checking out professionally be done right after the sale, if put in writing that it can be returned in the event something dreadful is found?

Moth balls and Bounce dryer sheets!!!!!

Many dryer sheets found scattered all over the RV inside, and moth balls in holding/storage areas on the outside...obviously to keep varmints away! No mouse droppings found ANYWHERE (we opened & overturned everything inside), no obvious signs of chewed wiring, etc.

The dealer's place

Nicest people we've ever met in any retail business. Family owned and operated. Very laid back. Excellent BBB rating. In business since '05. Country friendliness. First RV place where we felt comfortable. Dealer (& business owner) said the previous owner is the nicest guy...would gladly let us talk to him about the unit if we would like more questions answered about it. Unit was originally purchased new from his place.

Lastly...Do you enjoy RV'ing/camping? Do the pros outweigh the cons??

ANY advice would be greatly appreciated. We have until sometime tomorrow to decide if we want to go through with the sale. Thank you!

Welcome,
We are in the same age group and we are both retired (medically), First off calm down (LOL) they are all money pits even brand new ones. You don't say how many miles but if it a 06 better have them replace all the rubber (tires). They should be replaced every 7-10 years depending on conditions and ware. Our is a 82 Class A (when we bought her 44,000 miles 50,000 now). Old yes but in tip top shape if they are taken care off and have had maintenance preformed yearly or sooner if needed, is a big plus in my book. I came with a boating past history and I used a 18 foot speed boat as my camper for over 10 years but that's another forum.
We love it I spend almost all summer staying in her in our driveway.
Is the place a Well know Place and have been there for ever do you feel comfortable with them as far as trustworthy? If yes go with them. You might consider having a specialist in MH come check it out it might cost you $100.00 bucks but will be the best $100 bucks you spend this year.
As far as likeing it OYES we love it and plan on going full-time next fall, can't wait.
I say go for it if it fits you both because it is a small area.Ours is a 30 foot and we are always tripping over each other but its okay because we are seeing America. "yea baby"
Keep on asking this is a great site and will get all sorts of reply's , and don't forget to show her of by posting Pictures of her inside and out. BestOluck, Tim and again
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Old 06-15-2014, 08:47 AM   #4
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Join Date: Mar 2014
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We just took the same leap with a 2002 40' DP. Your feelings are quite normal as I have gone through the same thing. Did not want to end up with an expensive lemon and we went over from head to toe numerous times. The advice of taking some short nearby trips is a good one. We have been out only 2 times. One 20 minutes away and the second one 45 minutes away, just to make sure everything is functioning as expected. Found a few things that need fixed and it is with the dealer now to take care of them.

We too are experienced campers.

I think we will really enjoy this once we have a little more freedom than we have right now.

I got my insurance through Good Sam Club (underwriter is National General) and was very very pleased with their quote. They were much better than my own insurance agent could get me with both cost and amount of coverage.

And purchased Good Sam Roadside assistance.
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Old 06-15-2014, 08:49 AM   #5
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One more thing...check the age (manufacture year) of the tires. I will say my dealer was not forthcoming on that one and I have 2 tires that will need replaced in 2 years, that was a learning lesson for me. I've been reading posts that tires that "look good" are not the only criteria for good tires.
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Old 06-15-2014, 08:52 AM   #6
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Motor homes are the top costing form of RV there is. And that is a lot of money to spend for, how many nites a year? Depending on what vehicles you already own you might be far better off buying a small travel trailer or a tent trailer to start off. If in the future you hate the life style, you can sell out and go back to hotels with minimal financial loss. With that motor home selling within a year or so and you could loose far more money. Your choice, but I always advise starting cheap, enjoy and move up
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Old 06-15-2014, 08:52 AM   #7
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Quote:
Originally Posted by spritz View Post
Welcome,
We are in the same age group and we are both retired (medically), First off calm down (LOL) they are all money pits even brand new ones. You don't say how many miles but if it a 06 better have them replace all the rubber (tires). BestOluck, Tim and again
Tim...Thank you...I am trying to calm down. LOL She only has 17,400 miles... Ford..Triton v-10 engine. Tires were replaced less than a year ago. They look perfect. Generator was recently serviced, too.
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Old 06-15-2014, 08:58 AM   #8
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We just bought a 2006 26Q class C this past January. Searched for six months till we found a clean low mileage (17,600) one with a floor plan and equipment we liked. Bought from a family dealership dealer for just under 30K so if yours is in good shape with not a lot of miles you are in the ballpark.

Check the tires. make sure that aren't over 5 or 6 years old (lots of tread left does not matter) If they are Michelin's with date codes between 2010 and 2012 they might be recalled and you can get a whole new set free. Just search here for Michelin Recall.
Camp in the back yard or a close by campgrounds at first. Have fun!
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Old 06-15-2014, 09:00 AM   #9
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We could not justify the cost and maintenance if we were only using our fifth wheel for weekends and vacations. But, since we are full time and have no S&B to worry about, it is a great life style.
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Old 06-15-2014, 09:03 AM   #10
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You can live in the RV at the dealer's place, hopefully, for 4-8 hours and try EVERYTHING. Bring a mobile RV mechanic with you. Before signing the contract, you need to go to a auto mechanic and see how the engine, trans, cooling, dash A/C, etc. are working. Anything defective should be WRITTEN into the sales contract before signing. Guess you could also park in your driveway and try everything. Are there service records/receipts from previous owner for both chassis and house?

Try Farm & City Insurance in IA for decent RV insurance rates.
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Old 06-15-2014, 09:16 AM   #11
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It sounds like you should relax. I think you made a good purchase. Worst case, you have a $100 deductible warranty for a whole year. That should bring lots of peace of mind. The amount you quoted for a purchase price is really only a good quality car, so you won't go wrong there.
Try in Orlando Florida, Gilbert RV Insurance. They write with many big insurance companies and are very reasonably priced. I'd call them rather than try to work through their website.When we had our class C, last year, we only paid about $600 for very good coverage.
We keep our RV next to the house. No problem. Different communities have different rules regarding this. You'll have to check.
It sounds like you found a good RV and dealer. Good luck. It is not unusual to be nervous the next day.
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Old 06-15-2014, 09:22 AM   #12
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Originally Posted by RVNewB101 View Post
Hello all...I am looking for direction... please!



Scenario



Two age late-50's RV newbies, still working full time jobs. Wanted to connect with out of state family and have fun, weekends, short vacations. Researched, researched and looked for a month. Tried to understand all costs involved in RV ownership. Husband camped with pop-up way back when...understands camping, campgrounds, hookups, etc.



We found one- put a small holding deposit



The choice: A class C '06 Winnebago Outlook 25F SEEMINGLY well-maintained & beautiful in and out, with minor flaws (from dealer) that will be repaired. Sticker $39,995. Negotiated to $32,500, with full 12-month $100 ded. service contract included. Also, 6 mos. against exterior water leaks. We looked it over for an hour to best of our ability. No signs of water damage... No new wood, new flooring, soft spots, rippling, etc. Also test drove it. Seemed mechanically fine.



Money-wise, not sure if that was a good deal. Was it? I am scared, scared, scared. What have we done? It's a substantial amount of money, huge responsibility and potential money pit...



Financing



Who has the lowest financing rates for excellent credit rating? Essex through Costco?



Insurance



Got one quote from Amica. $1200+ for the year (in NJ) and we are already their customers. OUCH!!! Any recommendations for lower cost good RV-specific insurance?



Keeping it on our residential property



Occurred to us after we decided to get one!!!! Do most towns allow owners to park an RV in their yard? Or will we have a hard time with the township?



Having it checked out professionally



Should this always be done BEFORE purchase? How, when there is not a shop close by to where the unit is being sold? A family member has an RV shop an hour from where RV is being sold and an hour from our home. Can checking out professionally be done right after the sale, if put in writing that it can be returned in the event something dreadful is found?



Moth balls and Bounce dryer sheets!!!!!



Many dryer sheets found scattered all over the RV inside, and moth balls in holding/storage areas on the outside...obviously to keep varmints away! No mouse droppings found ANYWHERE (we opened & overturned everything inside), no obvious signs of chewed wiring, etc.



The dealer's place



Nicest people we've ever met in any retail business. Family owned and operated. Very laid back. Excellent BBB rating. In business since '05. Country friendliness. First RV place where we felt comfortable. Dealer (& business owner) said the previous owner is the nicest guy...would gladly let us talk to him about the unit if we would like more questions answered about it. Unit was originally purchased new from his place.



Lastly...Do you enjoy RV'ing/camping? Do the pros outweigh the cons??



ANY advice would be greatly appreciated. We have until sometime tomorrow to decide if we want to go through with the sale. Thank you!

As George said, you have done your homework reasonably well up to this point.
1. The price certainly seems to be in the right range. In an 8 year old coach, condition and the right previous owners is worth a few $$$. By all means contact the POs and ask questions. It will be good to open a dialog with them for future questions which you are sure to have.
2. If possible, and it should be, make a trip to an RV shop on your dime a precursor to the sale.
3. Do some due diligence about your ability to park at home. This issues varies widely, particularly in the relatively intrusive government style of the Northeast.
4. Financing and insurance. Essex is good. They are a broker who works specifically in the RV market so they should do ok for you. I encourage you to check on insurance with a broker who specializes in RVs. Miller in Oregon is one (800-622-6347).
5. Do we enjoy camping? 7 years full time & no plans to quit.

Being anxious when anticipating a lifestyle change, whether it involves $$$ or not is a normal thing. Nothing you have done so far or have planned appears ill conceived. If all is as it appears with the motorhome you are looking at, go for it. Commit to 2 full years and x number of trips; weeks or week ends. If at that time RVing is not your friend, then sell the motorhome. Absolutely worst case, you'll be out a few bucks, but you would have spend that much or more on vacations, travel, etc, anyway.


Steve Ownby
Full time since '07
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Old 06-15-2014, 10:30 AM   #13
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I don't know about the price, but otherwise it sounds like a good deal. You won't find many dealers who will let you talk to the previous owner, they always come up with some excuse!

If it's within your budget it sounds like the right one!

Good luck, happy trails, and God bless!
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Old 06-15-2014, 10:32 AM   #14
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One more thing...check the age (manufacture year) of the tires. I will say my dealer was not forthcoming on that one and I have 2 tires that will need replaced in 2 years, that was a learning lesson for me. I've been reading posts that tires that "look good" are not the only criteria for good tires.

X2! Watch out for this one!
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