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Old 12-17-2014, 08:58 PM   #43
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We've had Farmers for household insurance for 21 years as no other company has been able to compete for the coverage and deductibles.

Cars, truck , boat & MH are with progressive. No problems when we had a car claim about 6 years ago when youngest was a 19 year old.
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Old 12-22-2014, 01:13 AM   #44
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Been with Geico, SF, All State but by far the best insurance we ave had in our 65 + years as been with USAA. I Won't Even Consider Progressive. Their MO is to raise rates after they lowball you. SF, and Astate have independent agents who can set your rate to what ever they want. It's their own profit margins they are making or loseing based on what they charge you. The Corps have a rate scale that the agent buys and quotes from. Any thing above their cost on the scale is the agents profit. The bigger non agent guys just lowball you in from their internet/phone bank call in centers to set the hook then raise the rates after a set time period. You can't beat USAA service or pricing..
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Old 12-22-2014, 08:48 AM   #45
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I have been a USAA member for 48 years and had insurance on my motor home with them until we traded four years ago. They gave me a quote on a policy for the new motorhome and I added that It to the policy. A few days later, they contacted me and said they had erred and no longer insured motor homes. At that point, I had a fairly expensive motor home and was out of state on the road with no insurance. Not a happy camper. I elevated this problem to the board of directors, took some time and persistence, but my request was denied. They then informed me of their agreement with Progressive, so I was able to get a policy that day. The cost was almost double, but Progressive has not increased my rates in four years. Last year, I had a question about a possible claim, and Progressive pretty well blew me off and then charged my policy with a claim even though I had requested that it not be recorded as a claim. My state provides me that protection. Anyway, I contacted USAA and Progressive provided me a written apology, so USAA keeps them under control, so I have retained that policy.

If your motorhome is currently insured by USAA, then beware, if you trade, you will be looking for another policy or the RV.
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Old 12-25-2014, 05:53 PM   #46
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Sorry for your experience! I am a State Farm agent (31 years). Your agent probably had not written many RV policies. MSRP is the only thing an underwriter with State Farm or any other insurance company can base a rate on. Purchase price can vary on a new RV and certainly on a used one. I am certainly it was an error on his part and not an intent to deceive.
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Old 12-25-2014, 06:01 PM   #47
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i ve been a agent with State Farm for 31 years. We have had many class "C"'s insured. Was it perhaps unique in some form or fashion?
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Old 12-25-2014, 06:24 PM   #48
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Originally Posted by T Gibson View Post
Been with Geico, SF, All State but by far the best insurance we ave had in our 65 + years as been with USAA. I Won't Even Consider Progressive. Their MO is to raise rates after they lowball you. SF, and Astate have independent agents who can set your rate to what ever they want. It's their own profit margins they are making or loseing based on what they charge you. The Corps have a rate scale that the agent buys and quotes from. Any thing above their cost on the scale is the agents profit. The bigger non agent guys just lowball you in from their internet/phone bank call in centers to set the hook then raise the rates after a set time period. You can't beat USAA service or pricing..
I have been an agent with State Farm for 31 years. Certainly can't and won't speak for Allstate, but the rate charged is totally determined by the company with the sole exception of "annual mileage". And, technology will soon take mileage away, if it hasn't already. I've been told and believe that "if an insurance company allowed their agents to set their own rate, the company would be broke in 6 months"! That is so true!
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Old 12-25-2014, 06:44 PM   #49
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I've been an SF customer for 23 years (41 if you count the time my parents were customers before I was an adult.) and have a small fleet in my yard.

They refused to write a policy on my camera equipment because, and I quote, I might get sued because I took a photo of someone at an event that doesn't want their photo taken. No kidding. So I got it somewhere else, and I remind my agent of that fact some days.

So no, doesn't surprise me one bit. SF doesn't seem to understand the RV world, I'm still shopping around but have found that the price is about the same so I left that egg in the big basket for lack of a better term. I'm shopping coverage and quality, I'm irritated enough right now if that means moving everything, then I move everything.
Camera's can be written on a "personal article's floater" policy with State Farm. The key word here is "personal" use. if photo's are being sold as a "business" then copyright issues can be a concern. Business policies are sold for that kind of exposure. You might contact your State Farm agent for that. Good luck to you!
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Old 12-25-2014, 07:02 PM   #50
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I just left state Farm after 47 years with them. I retired early and lost alot of money in the market and was really trying to reduce spending. called my SF agent about a couple of errors on my policies and he said correcting them would make no difference in cost. finally insisted on correction and they did make a difference in costs.
Got my Progressive RV policy today and they want me to sign a form that household members are only covered for $15k, $30k of libility ins. My policy is for $250K, $500k.
I'm not signing it and it was deceitful to not disclose this when I was not told this when discussing the liability limits when purchasing the policy.
Sorry to hear of your issues. 47 years with State Farm carries a lot of weight with me (31 year agent), and i am sure with your State Farm agent. A bit of advice, would be to set an appointment and go in and see your agent. it makes a difference, and something you can't do with Flo.
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Old 12-25-2014, 09:15 PM   #51
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Camera's can be written on a "personal article's floater" policy with State Farm. The key word here is "personal" use. if photo's are being sold as a "business" then copyright issues can be a concern. Business policies are sold for that kind of exposure. You might contact your State Farm agent for that. Good luck to you!
That was the issue, while I'm not making a living at it I do make a little money which is when the underwriter said no. They didn't offer a business plan to me.

I was really unhappy with my previous agent, switched, the new guy has dropped several balls so far, misquoted my camper insurance by 25%, I asked for a policy review twice to no avail.

The local American Family agent is chasing me hard, unfortunately unless reviews and experiences rule them out I might be switching.
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Old 12-25-2014, 11:11 PM   #52
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Is USAA sold directly from the company or is it handled by company agents or independent insurance agents?
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Old 12-26-2014, 08:34 AM   #53
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Is USAA sold directly from the company or is it handled by company agents or independent insurance agents?

USAA is an excellent company, but the 1-800 aspect is the biggest frustration I have heard. Best of luck!


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Old 12-26-2014, 09:33 AM   #54
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I have been in the auto body industry most of my nearly 30 year career. In that time I have learned a LOT about insurances companies, and how they deal with their clients. A shops perspective is very different that that of a client. We see the difference between the companies that are looking out for just the bottom line vs. looking out for their clients.

While there are no absolutes in the insurance industry, I would much rather be insured by an agent based company. You may pay a bit more, but the representation and level of service far exceeds most 1-800 or internet based insurers. There are always exceptions to the rule, but that is the norm that I have seen.

For that reason we insure our cars, TT, hot rod, and house with State Farm. As mentioned, it is a little more expensive, but I have somebody local that makes a living off of my premiums. That representation can really make a difference if you have an issue with a shop, rental or even the insurance company itself.
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Old 12-26-2014, 10:58 AM   #55
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That was the issue, while I'm not making a living at it I do make a little money which is when the underwriter said no. They didn't offer a business plan to me.

I was really unhappy with my previous agent, switched, the new guy has dropped several balls so far, misquoted my camper insurance by 25%, I asked for a policy review twice to no avail.

The local American Family agent is chasing me hard, unfortunately unless reviews and experiences rule them out I might be switching.
i think American Family will have the same issues, but not sure. As good as a company can be it is hard to cover all things that we can get into. Nothing is as simple as it used to be.

i have several photography business's insured...it must be the type of
photography business you are doing. If you can find a "professional association" in that type of business, they often know of insurance carriers ,or ask other people in that type of business. They may know of a carrier that would help. You might also talk to an attorney about creating an LLC to limit your liability to your business, and help protect yourself. Best of luck to you!
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