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Old 05-03-2011, 07:49 AM   #15
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The broker quote I got for Progressive was from Gilbert
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Old 05-03-2011, 09:32 AM   #16
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Originally Posted by wirelessenab View Post
Wow! Are these quotes for fulltiming?

For my 97 Discovery 36RS DP I am just renewing with Geico for $91.40 for 6 months. Includes everything including comprehensive ($1K deductible), collision ($1K ded.) emergency road service, $500K liability, uninsured motorist $300K and all the rest of the normal stuff.

Mine is garaged in Eastern Washington in a fenced secure yard.
I really find this hard to believe. Under 200 bucks/yr for full coverage, hard to believe.
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Old 05-03-2011, 05:51 PM   #17
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You sure you don't mean $91.40 a month for a 6 month policy.
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Old 05-03-2011, 06:12 PM   #18
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For my Geico I'll detail it:

Bodily Injury/Liability 300K/500K $11.30
Property damage/liability 100K $6.70
Medical payments 35K $7.10
Emergency response 1K $0
Repl cost personal effects 5K $0
Vacation liability coverage 10K $0
Underinsured Motorist 300K/300K $6.90
Underinsured Mot prop damage 50K $4.20
Comprehensive 1K deductible $22.10
Collision 1K deductible $11.00
Emergency road service "Full" $22.10

Total 6 month premium $91.40

Neither my spouse nor I have any tickets for 10+ years and no claims in that period either.

I do also carry CoachNet for towing at just over $100 per year but I am looking in to that renewal now to see what it gains me.
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Old 05-03-2011, 08:57 PM   #19
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I guess I should ask about what I am missing about this coverage.

I am on my 4th renewal, ie about 2 years, with costs within a few dollars as this. I have not had a claim so have no experience with that part of Geico.
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Old 05-03-2011, 11:11 PM   #20
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We went Geico as well. Started with GMAC, but Geico beat 'em by several hundred dollars with the same coverage levels. We use Geico for both the RV and the toad.
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Old 05-03-2011, 11:15 PM   #21
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2005 Mt.Aire DP. Insurance with Interstate and I'm paying $1,064 with a $1000 deductible. From what some of the others are posting I need to do a little checking around !!
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Old 05-04-2011, 12:55 AM   #22
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My quotes are for recreational use not full timing , stored in secrueted yard, no tickets,ever, must be the state of residence but that does not explain the 660-2800 spread as they were all for the same state etc.
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Old 05-04-2011, 07:27 PM   #23
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I have Progressive, but am cancelling at renewal. I binged (www.bing.com) their Chairman, Peter Lewis, and want nothing to do with him...or them.
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Old 05-07-2011, 10:30 AM   #24
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I just got finished doing my insurance comparison, apples to apples

I had my policy in front of me (Progressive thru local insurance agent) and sent two email to the companies that the two local RV dealers recommended. Explained that I was shopping not just on price but quality of the policy and they were suggested by the local RV dealers.

Agreed value $100K
250 & 500K limits and $1000 deductable

One company was Reed Brothers $577.29 and the other was Gilbert $684. Identical policy as my Progressive $1450.00 for 12 months.

Cancelled the Progressive and now I have more money for diesel fuel .

Pays to shop around.
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Old 05-07-2011, 10:55 AM   #25
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I have progressive, it is about $1000 for a year, I priced GMAC, Good Sam and FMCA, they were all about $1000, but for only 6 months coverage.

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Old 05-07-2011, 12:46 PM   #26
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Country Companies, $400.62 for 6 months with a value of 75K. $1000 deductible with full coverage. I also insure 4 other vehicles with my agent so I get a nice discount on all of them.
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Old 05-08-2011, 02:04 PM   #27
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Ok, insurance is a racket, basically you are betting you won’t need them, they are betting you will. The house always wins, but don’t get me started as insurance companies are almost as bad as other things I don’t like, the legal profession comes to mind.

Next as was mentioned, make sure you are talking the exact same coverage for every company you talked to, as they are not all the same.

Now are you going to be Full Time, some companies significantly raise those rates based on that travel status, why, everything you own is in that vehicle, and if something happens to it, be it an accident, fire, flood, etc, they know they are going to have to pay for the repairs or replacement (get full replacement coverage it costs $$$$). That coverage is not just for the miles traveled but as above-contents.

Some cautions – take pictures of the coach, every six months, both outside and inside to prove you have taken care of it. Do an NADA (www.nada.com) valuation about every 90 days and print that out and keep it separate from the documents you travel with so you again can prove its value to the company in case of a claim. You can also get a dealer statement on paper, as to what they would pay you in case of trade in, but that figure is usually 30% less than the low book value at NADA.

To beat them at their own game, if you are FT, can you maintain an address in your home state, stay at that address for 30 days, then you won’t be a full timer, and the rates are lower. I don’t know if that address can be a lot, but it might qualify. Put a shop on the lot, keep the MH inside, and have a small residential area inside, you now are not living in the MH full time.

We use American National Insurance - www.anpac.com - we pay around 700 a year and our coverage’s are way up there. We also have a 2 million rider, (which costs around 218.00 per year) which helps lower those rates more, w/o rider the MH would be closer to 900 year, but since we have it, it lowers the rates on all the cars (jeep toad, crown Vic), plus we are not FT's. I believe you need to have a real home to have rider, but don't quote me.
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Old 05-08-2011, 02:41 PM   #28
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To beat them at their own game, if you are FT, can you maintain an address in your home state, stay at that address for 30 days, then you wonít be a full timer, and the rates are lower. I donít know if that address can be a lot, but it might qualify. Put a shop on the lot, keep the MH inside, and have a small residential area inside, you now are not living in the MH full time.

We use American National Insurance - www.anpac.com - we pay around 700 a year and our coverageís are way up there. We also have a 2 million rider, (which costs around 218.00 per year) which helps lower those rates more, w/o rider the MH would be closer to 900 year, but since we have it, it lowers the rates on all the cars (jeep toad, crown Vic), plus we are not FT's. I believe you need to have a real home to have rider, but don't quote me.
Sounds like a lot of work and money to keep from paying full time rates.

Your "rider" sounds a lot like our umbrella policy and for that, we don't have to own a stick house. We have the same $2M coverage that kicks in when the limits of the other policies have been reached.

Rick
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