Go Back   iRV2 Forums > iRV2.com COMMUNITY FORUMS > iRV2.com General Discussion
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 11-14-2012, 04:44 PM   #15
Senior Member
 
OldHiker's Avatar
 
Join Date: Aug 2007
Location: Where I Park It
Posts: 400
It's about RV as well as auto insurance. Progressive rv insurance went from $1900 to over $4000 just because I am becoming a Florida resident.
__________________

__________________
2007 Newmar Essex 4508 All Electric
H2 toad
Thor, my Min Pin Wing-man
OldHiker is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 11-14-2012, 04:52 PM   #16
Senior Member
 
JOMARFL (FMCA 401058)'s Avatar
 
Fleetwood Owners Club
Join Date: Apr 2008
Location: Tampa, FL
Posts: 400
Welcome to Florida.....insurance is very expensive here for many reasons. Believe auto theft is high in the state, storms and bogus insurance claims nationwide we are the worst in these areas. Wait until you buy a house and try to get that insured. Sad, but Florida is just a high state for insurance rates.
__________________

__________________
Papa John & Mother Mary 2008 Fleetwood Fiesta LX, 34N
2008 Hyundai Elantra - Toad
Tampa, Florida
JOMARFL (FMCA 401058) is offline   Reply With Quote
Old 11-14-2012, 04:53 PM   #17
Senior Member
 
jzick's Avatar
 
Join Date: Feb 2007
Location: Florida
Posts: 1,193
Florida vehicle insurance rates are among the highest in the country. There are all kinds of reasons : no fault drives the price higher mainly due to a huge issue with fraudulent claims, a large number of vehicles on the road are driven by uninsured, unlicensed drivers, there is a hurricane surcharge, lots of accidents and stolen vehicles, etc. That is one of the reasons that you have to consider the whole package when considering a domicile. Income taxes (none in FL for most), health insurance costs (competitive), vehicle insurance costs (high), vehicle registration costs (relatively low), personal property taxes (none), and a lot of other things.

We moved to Fl several years ago from GA. Our vehicle insurance costs nearly doubled but all our other costs decreased significantly. For us, Florida netted much less expensive. Good luck.
__________________
jzick is offline   Reply With Quote
Old 11-14-2012, 05:12 PM   #18
Senior Member
 
Triker56's Avatar
 
Fleetwood Owners Club
Join Date: Jun 2009
Posts: 3,946
Quote:
Originally Posted by OldHiker View Post
Good Sam, FMCA and USAA all use Progressive for their RV insurance. So far, USAA has quoted car coverage that is equal to Allstate in New York. Waiting for Allstate in Florida to quote my present policy.
If you are going full time Allstate doesn't carry Full Time insurance.
Sorry, Good Sam uses GMAC not Progressive and a MH plus car on the same policy will give you a 20% discount.
I'm in Dade-Miami county and MH plus car with GS GMAC is just $2,160 a year
__________________
99 Discovery 34Q ISB
2014 MKS AWD EcoBoost Toad
Fulltime Since "99"
Triker56 is offline   Reply With Quote
Old 11-14-2012, 05:21 PM   #19
Senior Member
 
goldviper's Avatar
 
Winnebago Owners Club
Freightliner Owners Club
Join Date: Aug 2009
Location: Gilbert, AZ
Posts: 150
Check with Nationwide insur. We just got it on the New Rv for $1480 for 12 months and that includes Glass coverage. Gieco does not offer Glass coverage, but we put 3 cars and the house with Gieco because they had the best rates. We are in AZ, Phoenix area. Taxes and Reg are what is killing me......Almost $30k. $5600 is for Reg. It will be cheaper next year, $5200. I think I'm looking at TX.
__________________
2013 Itasca Ellipse 42QD
2012 Ram 1500 Laramie Hemi 4x4 w/RZR-S (TOAD)
Disabled Viet Nam Vet USN 68-72
goldviper is offline   Reply With Quote
Old 11-14-2012, 05:34 PM   #20
Senior Member
 
Join Date: May 2004
Location: Auburn, CA, Havasu, AZ & Mulege, BCS
Posts: 5,217
For fulltimers, I believe WheelingIt has the key in post#4: you are a resident where you legally qualify as such. If that's SD then your rates are low. Have friends from Jersey who "moved" to SD, but live in their rig full time and park wherever, for however long. Mail comes from SD as forwarded, they vote in SD by absentee ballot, pay state taxes as they may be due, etc., and insure their vehicles as fulltimers from SD. They could stay in Miami for 6 or 8 months (I believe) and still retain their SD residency if living in their rig. If they went to land that would probably be different.
__________________
Baja-tested '08 2-slide 36'
Alpine: The Ultimate DIY'er Project
EngineerMike is offline   Reply With Quote
Old 11-15-2012, 06:19 AM   #21
Senior Member
 
Triker56's Avatar
 
Fleetwood Owners Club
Join Date: Jun 2009
Posts: 3,946
Smile

Quote:
Originally Posted by goldviper View Post
that includes Glass coverage. Gieco does not offer Glass coverage,
In Florida no matter what insurance company you have, 100% coverage No deductible for glass is included.
__________________
Triker56 is offline   Reply With Quote
Old 11-15-2012, 07:09 AM   #22
Junior Member
 
Winnebago Owners Club
Join Date: Nov 2010
Location: Livingston, TX
Posts: 17
I have my RV insured with Blue Sky Insurance and the Jeep with State Farm.
Blue Sky was the best rates for the RV with full timers coverage but were not competative with the Jeep.

http://blueskyrvinsurance.com/
__________________
easlingn is offline   Reply With Quote
Old 11-15-2012, 07:48 AM   #23
Senior Member
 
OSP1268's Avatar
 
Join Date: Oct 2010
Location: Central Florida
Posts: 524
Quote:
Originally Posted by easy going View Post
I have my RV insured with Blue Sky Insurance and the Jeep with State Farm.
Blue Sky was the best rates for the RV with full timers coverage but were not competative with the Jeep.

RV Insurance | Motorhome Insurance | Blue Sky RV Insurance
+1 for Blue Sky.

We have had GMAC, Allstate, National, and now Blue Sky.
__________________
R & E
No RV at the moment
OSP1268 is offline   Reply With Quote
Old 11-15-2012, 07:51 AM   #24
Senior Member
 
Davdeb1's Avatar


 
Monaco Owners Club
Freightliner Owners Club
iRV2 No Limits Club
Join Date: Jan 2011
Location: Avon Lake, Oh
Posts: 2,884
Ohio, low insurance rates, low registration rates, NO personal property tax, low income tax rate. Good place to Domicile?
__________________
2000 HOLIDAY RAMBLER ENDEAVOR
40 FT--330HP CAT
2 SLIDES-TOAD 2012 focus
Fulltime-Home is where we park it.
Davdeb1 is offline   Reply With Quote
Old 11-16-2012, 06:15 AM   #25
Senior Member
 
Triker56's Avatar
 
Fleetwood Owners Club
Join Date: Jun 2009
Posts: 3,946
Quote:
Originally Posted by Davdeb1 View Post
Ohio, low insurance rates, low registration rates, NO personal property tax, low income tax rate. Good place to Domicile?
What mail forwarding service does a Full Timer use in Ohio that will give you a street address for driver license, plates, insurance etc??
__________________
99 Discovery 34Q ISB
2014 MKS AWD EcoBoost Toad
Fulltime Since "99"
Triker56 is offline   Reply With Quote
Old 11-16-2012, 08:11 AM   #26
Senior Member
 
Davdeb1's Avatar


 
Monaco Owners Club
Freightliner Owners Club
iRV2 No Limits Club
Join Date: Jan 2011
Location: Avon Lake, Oh
Posts: 2,884
You can use the UPS STORE. They give you a street address with a number like an apt number. They will also forward for you, but it costs more also.
__________________
2000 HOLIDAY RAMBLER ENDEAVOR
40 FT--330HP CAT
2 SLIDES-TOAD 2012 focus
Fulltime-Home is where we park it.
Davdeb1 is offline   Reply With Quote
Old 11-16-2012, 08:26 AM   #27
Senior Member
 
jzick's Avatar
 
Join Date: Feb 2007
Location: Florida
Posts: 1,193
Quote:
Originally Posted by Davdeb1 View Post
You can use the UPS STORE. They give you a street address with a number like an apt number. They will also forward for you, but it costs more also.
We use a UPS store for mail forwarding when we travel in spring and summer, and thought about just making that our "official" Florida address. I was told verbally, however, by a clerk at DMV that a PMB would make getting Florida driver's license and vehicle registration difficult as the PMB would not satisfy the Real ID requirements. I never followed up to see if she was right as it was not that important. Worth checking if plans are to do this.
__________________
jzick is offline   Reply With Quote
Old 11-16-2012, 08:32 AM   #28
Senior Member
 
Davdeb1's Avatar


 
Monaco Owners Club
Freightliner Owners Club
iRV2 No Limits Club
Join Date: Jan 2011
Location: Avon Lake, Oh
Posts: 2,884
The UPS Store has also #*** adresses. That would satisfy drivers lisc requirements.
__________________

__________________
2000 HOLIDAY RAMBLER ENDEAVOR
40 FT--330HP CAT
2 SLIDES-TOAD 2012 focus
Fulltime-Home is where we park it.
Davdeb1 is offline   Reply With Quote
Reply

Tags
insurance



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 02:47 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.