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Old 02-04-2015, 02:46 PM   #1
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RV insurance-Local vs FMCA

I currently have my motor home insurance with a local agent writing for Progressive. When I checked with FMCA's insurance program I found their broker also writes for Progressive but was about 12% less than the local agent which amounts to a little over $300 per year.
I know some have mentioned they'd rather deal with a local agent, which I would also, but how much is it really worth?
I thought about calling the agent to see if they would deal any but then wondered if that would be fair to ask them to compete with a national organization. But maybe that would be more fair than just dropping the local agent.
How would the rest of you handle this? Any suggestions.
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Old 02-04-2015, 03:27 PM   #2
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We deal locally because we have all of our vehicles, home, business and motorhome through them. We have shopped around and still give us the best deal. Also, when we do have a claim it is handled quickly and fairly. We have AAA on somethings amd Progressive on others. I have found that sometimes a company will bait you with a lowere rate and then increase it in a year or two. Oh, to have the premiums back in our pocket, it is a big expense!


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Old 02-04-2015, 05:27 PM   #3
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We worked through Good Sam. They were able to write a policy through Blue Sky which was $300 less than the Blue Sky insurance. The FMCA agent could not write a policy that included Adjacent Structure coverage. Since we are FT and own our lot with a shed and gazebo, we needed this coverage.
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Old 02-04-2015, 06:10 PM   #4
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I work through the best insurance at the best price no matter where they are located.
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Old 02-04-2015, 06:41 PM   #5
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Hi wagonmaster2,
Insurance is a commodity. I take the cheapest price that provides the policy I require. If you have a claim, the local agent will be useless. Agents are sales people. They do not deal with claims. For claims one works with the 800 number on your card.
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Old 02-04-2015, 07:08 PM   #6
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Maybe that is the way your agent treats you but not mine... If I have a claim I call my agent and they handle contacting the claims office and providing them all the info on my coverage. I recently had some items stolen from a consignment location. One phone call to the agent and they took care of all the other calls. The ONLY contact I had from the claims person was when they called me to see if I wanted a check or direct deposit. If my agent wants my money, which they have been getting the last 27 years, then they need to respond when I call

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Originally Posted by GaryKD View Post
Hi wagonmaster2,
Insurance is a commodity. I take the cheapest price that provides the policy I require. If you have a claim, the local agent will be useless. Agents are sales people. They do not deal with claims. For claims one works with the 800 number on your card.
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Old 02-05-2015, 07:33 AM   #7
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You may also want to contact a broker such as RVAmerica Home

They deal specifically with RV insurance. I saved quite a bit of mony through them when I switched from Progressive.
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Old 03-10-2015, 08:56 PM   #8
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Just dropped Blue Sky. We have been with them through two different coaches. Never a claim, no roadside calls and no tickets. When I opened the bill, I thought it was a joke. Our rate almost tripled. I got on line and received two quotes for better coverage including $0 glass deductible and lower overall deductibles from both GMAC through Good Sam and Progressive. Both were almost identical to the dollar. Chose Progressive because I don't want to give Marcus Any more of my money. New rate is less than $800. Blue Sky wanted over $2300.
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Old 03-11-2015, 09:49 AM   #9
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We just switched insurers, moving to Allied via FMCA's agency partner (Farm & City). Saved about $375/year vs our previous insurer, National Interstate.

I agree with GaryKD - insurance is pretty much a commodity once you choose the coverages and deductible you want. I've never had to make more than one call to file a claim anyway, whether the person I call is local or elsewhere. Telephone and internet make it irrelevant how close the agent is, since the people who actually process the claim are always elsewhere anyway, and they send a claims agent to view & assess the damage. My last claim was made while traveling - one phone call and the insurer sent an adjuster to meet us at our next campground. I told them where I wanted to have the repairs done and they handled the rest.
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