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Old 04-11-2014, 07:25 AM   #15
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Originally Posted by Fred1609 View Post
Amazing how there is no loyalty with some insurance companies.
Loyalty ? what loyalty? that left this country a long long time ago now loyalty has a new name its called greed. There is no loyalty in this country in anything. Workers used to be loyal to their employers. Employers to their workers now its everyone for themselves. And the employers rule. And so do the insurance companies. Because they know you cant drive without it. This is what happens when you have mandatory laws. Take the mandatory out of it and of course you'll get hit by someone who is'nt insured and here we go again. Its a vicious circle so we pay and pay..The only winner are the insurance companies. Of course they have their arguments for the high rates also. (vicious circle)

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Old 04-11-2014, 07:35 AM   #16
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1998 the ins on my S&B was 458.00 this year $1800.00 1. roof re-placement from storm. Come on
Mh Ins Full coverage 4 years ago $859.00-$250 deductible Current $859.00-$250, deductible. No claims. Haven't got the renew yet for 2014-15.
Going full time next fall No more $1800.00. Add that to the list of "I won't have to pay for that anymore. "

Whatca going to do You need it?

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Old 04-11-2014, 11:35 AM   #17
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I am with National General Insurance (was Good Sam)... my 6 month Premium last year was $591... I just went to renew... now $680. No claims, no tickets.

I am on the phone with Farm & City 1-800-331-1520 right now!

2013 Coachmen SportsCoach 385DS
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Old 04-11-2014, 12:39 PM   #18
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Anyone old enough to belong to AARP,(50 yr old) try them. Hartford ins, the price was unbeatable!
40 FT--330HP CAT
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Fulltime-Home is where we park it.
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Old 04-13-2014, 07:40 PM   #19
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We have Farm Bureau Insurance and we have our Ram truck and TT insured with them with a $500 deductible on TT and cost is $82 per month for both vehicles, however I have been a Member with Farm Bureau for 46 years. The only increase was on Homeowners Insurance.
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Old 04-13-2014, 07:53 PM   #20
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Originally Posted by Davdeb1 View Post
Anyone old enough to belong to AARP,(50 yr old) try them. Hartford ins, the price was unbeatable!
Yep I am, they started sending me stuff when I was 48
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Old 04-13-2014, 08:30 PM   #21
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I am with National Interstate and just got my bill about 2 weeks ago. It was the same premium as last years. I would have a serious heart to heart talk with my agent if I were you.
Tony & Ruth........... FMCA#F416727
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Old 04-14-2014, 04:12 PM   #22
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I got my renewal, and yes there was a big increase. I called my agent (Overland) then I called the company and the reason I got was that they insure so many LLC's (that wasn't in MT) Insurance rates are based on the state that the vechile is registered in, so some people who lived in high cost states were getting a break on their insurance rates. According to National Interstate they were only trying to average out the rates for everybody....
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Old 04-14-2014, 04:58 PM   #23
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I talked to my agent again today and got the same story that National Interstate had made rating adjustments and most everyones rate increased. I have had the same coverage for the last 11 years with a smaller rate increase from time to time. This time a $501(25%+) rate increase is plain not right. I asked the agent what I could do to save money. Her answer was to drop my "total loss replacement value"
coverage and I would save almost $1000.
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Old 04-14-2014, 05:10 PM   #24
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Originally Posted by missourijan View Post
Yea, that happened to us last year with National Interstate, a 30% increase for no reason. Our broker also associated with Blue Sky, a quote at almost half the price of National Interstate for same coverage. I asked the rv community on another forum and got good reviews and handling of claims. We renewed with them this year.
Put us in the former National Interstate to Blue Sky group also. Our rate increase occurred 2 years ago with NI. It was also substantial. So we moved to Blue Sky (we FT and FT writers are more limited) and received a significant savings over what NI would have been. We had a small increase last year with Blue Sky but it was negligible.

It does seem though that one really needs to get new quotes every year or so if you want to stay on top of it.
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Old 04-14-2014, 05:18 PM   #25
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All I can say was said by a singer a long time ago:

"My Mamma Told Me.. To do the shop around"

On a more serious note: Most all insurers (There are exceptions) do not carry their own liability, But rather they sell your policy to one of a very few BIG insurance carriers.. So if a lot of clients of say National Interstate have claims, the rates the re-insurers charge N-I go up, and your rates go up with 'em.

Meanwhile "An Other insurance" company has had fairly few claims this year,, So their rates go DOWN and so do their subscribers.

What I can not tell you.. Is the name of the other insurance company. For that you have to, as the song title says "Shop Around".

OH, how do I know this.. Well, around 2012/2013 (forget which) I wished to change insurance companies, as a long time member of the auto club (AAA) I, just for the heck of it, priced their policy.. Turns out they wanted about the same as everyone else,, Just one minor difference.. They were selling a 12 month policy for what other companies wanted for a six month, that's a 50% (or more) savings.

The above was the agent's explanation.. You see AAA Michigan is one of those few that do not re-sell to a re-insurer, all the re-insurers took a major big time hit on 9-11-2011,, AAA-Mich, not so much since they had few if any clients in the area.
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Old 04-14-2014, 06:39 PM   #26
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We got our National General (Good Sam) renewal today. The annual premium went down by $75.

I know when shopping for car insurance your driving record is a big factor. I wonder how much of a factor it is in RV insurance.
Elizabeth RVM55 and Mary
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Old 04-15-2014, 05:40 AM   #27
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We're between a rock and a rock right now.
Insurance is due to be renewed, BUT, we just moved to Florida from Mass.
Soooo...right now, we're living in the coach until the house up north closes and we find a new home.
If I were to renew, it would have to be as a full timer, but we won't be full timing in another 2-3mos. I think rates are cheaper in FLorida than Mass, but won't know till we get quotes.
So for now, we'll renew the Mass policy, then shop when we have a non-RV park address.

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Old 04-15-2014, 11:16 AM   #28
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Well here's my story. Yesterday our insurance premium with GMAC/Good Sam/Nat'l Gen was due. DW sent pmt in the morning and we sat around complaining about how much it went up every six months for the last couple years. So we made contact with a broker at Selectquote auto and home srvcs named Darrell. We were on the phone for over an hour but came out saving over $1,000 per year. We had been with GMAC etc since Oct 1998 and filed 1 claim that cost them $2100 in all that time.


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