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Old 03-25-2011, 10:27 PM   #1
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Thumbs down Motorhome insurance premiums keep going up

What's the deal with the rise in premiums? We've got SF & for the past 2 years, the premiums on our coach have gone up (just shy of $2/mo last yr & about $2.50/mo for this yr). My rep told me claims drive up rates. Who's claims are driving up these rates is what I'd like to know!?!

All the rest of my vehicles (car, Jeep, motorcycle) went down, so far, this year.

Lori-
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Old 03-25-2011, 10:31 PM   #2
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I have GMAC, haven't had a raise in premiums in 5 years.
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Old 03-25-2011, 11:48 PM   #3
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DUMP SF!!!

Those guys lost so much in Florida in the past couple years, they actually pulled out insuring homes there... Right after ALL my SF policies (home/rentals/auto) started to climb. They sited some 'increased claims in my area' BS that they couldnt show me. Went to USSA at about 1/2 the rate.
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Old 03-26-2011, 12:43 AM   #4
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Quote:
Originally Posted by Midniteoyl View Post
DUMP SF!!!

Those guys lost so much in Florida in the past couple years, they actually pulled out insuring homes there... Right after ALL my SF policies (home/rentals/auto) started to climb. They sited some 'increased claims in my area' BS that they couldnt show me. Went to USSA at about 1/2 the rate.
Good neighbor...HAH. Geico has my business now. USAA will not insure in certain counties in Florida for ANY insurance line, my county happens to be one of them.
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Old 03-26-2011, 10:53 AM   #5
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There are several issues..

First: Many policies are re-sold to mega-insurers, And when there is a natural disaster these Mega-Insurers take a hit, they pass it on to the company you buy from who in turn passes it on to you.

Next: In these trying economic times FRAUD increases, this increases the insurance company's cost of operatin and they pass that on to you.

Finally, and this may just be my imaginatin, but it seems that people are more and more and more getting self centered,, My activities are highly important and whatever you are doing does not count.. How this affects insurance is simply.

I'm in one big hurry, i got to get to where I got to get to and to the devil with this 55mph speed limit I want to drive 90 (True story follows) Here is this big RV doing 55, Well,,, The idiot tries to pass, with half enough room, ends up cutting back in far too close and puts the RV into the ditch (Since you do not want to turn the idiot into a bump in the road)

The more people do this, the higher the rates.

The story:

Got a call once back when the office phone number was 9-1-1 complaining about how this Michigan State Police Trooper was going to cause an accident.

you see,, He was driving 55 in the 55 MPH speed zone and nobody was willing to risk a ticket by passing him.

The caller wanted to do his normal 90
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Old 03-26-2011, 11:29 AM   #6
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Quote:
Originally Posted by NLOVNIT View Post
What's the deal with the rise in premiums? We've got SF & for the past 2 years, the premiums on our coach have gone up (just shy of $2/mo last yr & about $2.50/mo for this yr). My rep told me claims drive up rates. Who's claims are driving up these rates is what I'd like to know!?!

All the rest of my vehicles (car, Jeep, motorcycle) went down, so far, this year.

Lori-
Am I reading this wrong? $2.00 a month on an RV policy doesn't sound like a lot to me. That's 5% on a $500.00 policy. I only wish that all my other MH expenses went up only 5%. Look at gas, CG, food etc.
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Old 03-26-2011, 11:31 AM   #7
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I have GMAC, haven't had a raise in premiums in 5 years.
Maybe so, but I got a quote from them and they were more than double what I pay with Victoria ( sub. of Nationwide)
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Old 03-26-2011, 02:58 PM   #8
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Quote:
Originally Posted by clifftall View Post
Am I reading this wrong? $2.00 a month on an RV policy doesn't sound like a lot to me. That's 5% on a $500.00 policy.
Granted, I'm complaining about a miniscule amount in the overall scheme of things. However, it's the only SF policy we have (& we've got 6 total) where the premiums have gone up instead of down - & that includes the Jeep that was in an accident 4 years ago. I braced myself for the invitable raise on that one & it never happened. It's just seems odd that it's our only policy doing it. Maybe they're taking the Jeep accident out on the MH.

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Old 03-26-2011, 03:31 PM   #9
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two Suggestions

1. If you're Military or have ever been in the Military check out USAA, I've had my MH with them for 6 years and my premiums go down, not up.

2. Get on line with Progressive and check out their costs to exactly what your SF is.

Either way you will be happier.
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Old 03-26-2011, 04:23 PM   #10
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two Suggestions

1. If you're Military or have ever been in the Military check out USAA, I've had my MH with them for 6 years and my premiums go down, not up.

2. Get on line with Progressive and check out their costs to exactly what your SF is.

Either way you will be happier.
1. I'm retired military and there isn't a single policy that they can offer me that I can't get cheaper with a reputable agency unfortunately. This is not a complaint as they have a great rep, just the facts for me.

2. I agree with you even though I'm not with Progressive any more. Their rates were certainly lower than all I checked at the time. I just went with a local agency as they could bundle several things for me at a lower price than Progressive. I highly recommend Progressive, hbowever.
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Old 03-26-2011, 04:31 PM   #11
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Quote:
Originally Posted by wa8yxm View Post
There are several issues..

First: Many policies are re-sold to mega-insurers, And when there is a natural disaster these Mega-Insurers take a hit, they pass it on to the company you buy from who in turn passes it on to you.

Next: In these trying economic times FRAUD increases, this increases the insurance company's cost of operatin and they pass that on to you.

Finally, and this may just be my imaginatin, but it seems that people are more and more and more getting self centered,, My activities are highly important and whatever you are doing does not count.. How this affects insurance is simply.

I'm in one big hurry, i got to get to where I got to get to and to the devil with this 55mph speed limit I want to drive 90 (True story follows) Here is this big RV doing 55, Well,,, The idiot tries to pass, with half enough room, ends up cutting back in far too close and puts the RV into the ditch (Since you do not want to turn the idiot into a bump in the road)

The more people do this, the higher the rates.

The story:

Got a call once back when the office phone number was 9-1-1 complaining about how this Michigan State Police Trooper was going to cause an accident.

you see,, He was driving 55 in the 55 MPH speed zone and nobody was willing to risk a ticket by passing him.

The caller wanted to do his normal 90
sounds like an insurance agent. NO THANKS for all your excuses
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Old 03-26-2011, 05:59 PM   #12
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Quote:
Originally Posted by NLOVNIT View Post
Granted, I'm complaining about a miniscule amount in the overall scheme of things. However, it's the only SF policy we have (& we've got 6 total) where the premiums have gone up instead of down - & that includes the Jeep that was in an accident 4 years ago. I braced myself for the invitable raise on that one & it never happened. It's just seems odd that it's our only policy doing it. Maybe they're taking the Jeep accident out on the MH.

Lori-
I think Ins. co's apply for and get granted or denied rate increases according to different classes/types of policies. SF must have had bad experience with MH's lately.. At least the Jeep didn't go up.
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Old 03-27-2011, 02:13 PM   #13
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USAA will not insure costly RVs or boats. They will refer you to Progressive. As noted elsewhere, I refuse to use Progressive for the reasons found if you google or bing their chairman, Peter Lewis.
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Old 03-27-2011, 02:24 PM   #14
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$2/month I'd take. Mine went from $2100/year to $3600/year. Switched to Progressive. Have the same policy that my friend has in Ky but in Mo it's $1000 more. They tell me it's where you live. Kentucky even charges you sales tax on the policy.
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