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Old 02-14-2015, 09:33 AM   #15
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Originally Posted by Dennis4809 View Post
We had National General but this year's premium jumped from $1,100 to $1,700. No claims, no changes, just a 55% increase. I called Progressive where I already had the MC insured and got the same coverage for $823.
Shop around!
We too had NG (and GMAC prior to the change over) for about 7 or 8 years with only one claim for a cracked windshield. Last October, I got my first ticket in over 30 years for running a red light. My insurance covered my four cars plus the motor home for about 1300 every six months. This month I got my renewal notice and the premium jumped to 2800 every six months....more than doubled.

Obviously, I immediately started looking for other insurance and settled on Geico for 1500 every six months.

My advice, like others, shop around to find the best for you.


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2013 Tiffin Phaeton 42LH 400 ISL | 2011 GMC Terrain SLT-2
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Old 02-14-2015, 04:51 PM   #16
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Originally Posted by cbeierl View Post
If you haven't already done so I would recommend checking out USAA.
Checked with them last year and after over an hours wait on various holds, and they were way high on my cars, I got put on another lengthy hold with an estimated wait of 45 minutes for a quote on the house, I hung up and blew them off and stuck with State Farm.

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Old 02-14-2015, 09:49 PM   #17
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This past January we commenced our fourth policy period with National Interstate covering both coach and car. We've had one windshield claim on the car, and the main awning replacement on the coach. Since mid-2012 our total combined premium has increased about $12. Twelve dollars.
John & Diane, Fulltimers. RVM103 NHSO
On the road since June '12 with Lincoln, the guard cat.
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Old 02-15-2015, 09:19 AM   #18
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Originally Posted by Dennis4809 View Post
We had National General but this year's premium jumped from $1,100 to $1,700. No claims, no changes, just a 55% increase. I called Progressive where I already had the MC insured and got the same coverage for $823.
Shop around!
This is weird....tow years ago we had Progressive for our MH. When the renewal raised the premium to $1100/yr, I turned to Good Sam's/GMAC/National General........MH insurance went to less than $500/yr........then asked them for a rate quote on our 4 cars....ended up paying less than $1100/yr for all 5 vehicles.
Now it's $1400/yr, but that is still far less than the over $3500 we were paying for the 4 cars and MH.

We live in Pennsylvania...perhaps that explains some of the rate disparity we're seeing here.??????
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Old 02-15-2015, 09:30 AM   #19
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Am investigating insurance for this summer (we are selling S&B and going FT). Geico would quote us RV+toad coverage, but with a $10,000 cap on contents coverage. Not enough. \ken
Ken & Deb (WIT Club, FMCA, SKP, Harvest Hosts, and grateful volunteers with SOWERs)
2005 Winnebago Vectra 40FD w/400ISL and Allison 3000MH on Freightliner's Evolution chassis, Onan QD7500, 1000w Renogy solar, BlueOx tow gear, and 2015 Cherokee TrailHawk toad.
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Old 02-15-2015, 09:19 PM   #20
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I have been using Hartford/AARP for the past few years. A couple of years ago, I attempted to get them to remove a car that I had given to my ex-wife as part of a divorce settlement, from the policy. They refused to remove either her, or the car from the policy without her consent. They also refused to cancel the policy outright unless she gave them the okay. State Farm and Hagerty had no problem removing her from the classic car policies I had with them.

Since the policy was coming up for renewal, I shopped around and got many quotes over the next few weeks, and nothing came close to Hartford's rate. I reluctantly stayed with them.

Fast forward to late last year. I have roadside assistance with Good Sam, which also covers any vehicle which you may be driving. My RV and auto insurance policy with Hartford/AARP also covers roadside assistance, but apparently only covers vehicles that are listed on their policy. When I broke down coming home from a classic car show, I had to have one of my classic cars towed (twice) over a three day period. I incorrectly called Hartford, and found out after the fact that they only covered cars that were insured by them.

The error was mine, but at this point it looks like they will reimburse me for the two tow jobs, as a good will gesture. As long as their rates remain competitive, I will keep my RV and daily driver insured with them as appreciation for my screw up.
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Old 02-15-2015, 09:23 PM   #21
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How much liability coverage does everyone go for? I used to have $1 million, but recently increased to 2 million for leasing requirements. My RV rep was telling me I should have $5 million!


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Old 02-16-2015, 02:23 PM   #22
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USAA has a dollar limit on boats and RVs. If you have either that is over their limit (don't know what it is) they will refer you else where. They did insure my last 5th wheel, but not this MH.

The OP asked for "general thoughts on AARP." We are not supposed to make political posts on the forum, so I'll keep my thoughts on AARP to myself. The only thing I'll say is that I will never ever use them.
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Old 02-16-2015, 06:38 PM   #23
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We use different companies cheaper than any bundle I found and pay about 1600 a year for 3. Progressive for home and MH and 21st Century for the auto.


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Old 02-16-2015, 07:38 PM   #24
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Insurance is something I know something about, since i am new to RV's but not insurance. When your discussing insurance, the price you pay is only part of the question, the better question is what are the coverage limits of the policy. so if you are comparing policies you HAVE to compare the limits of the coverage.

Once you buy the underlying policy of 100,000 to 300,000 of liablity limits to purchase an umbrella policy is cheap and worth the protecion. In my State Ohio we buy uninsured motorist coverage to protect ourselves from people who are uninsured, that is the most important consideration IMO is to make sure you and your family are protected from the reckless driving of others.
Of course, it helps to provide protection to you if you should be the one that made the mistake.
I have had Nationwide for many years, they have an RV specific policy that has Roadside assistance in the coverage. I pay about 600 per year for the policy but I have an older pusher.
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Old 02-16-2015, 07:53 PM   #25
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Guess I'm going insurance shopping when the present policy expires in April. We've had National General since before they changed the name and it had full replacement then down to invoice cost now due to ago. The Magna will only have selling price and even that's some $1200 more per year, but the Magna sold for over triple what the Dutch Star did. In fact the only reason I stayed with National General was for the invoice cost, now that thats going to be gone I can more easily change.

2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft
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