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Old 05-17-2013, 09:20 PM   #15
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Hi and welcome to the forum.

We've used Progressive since we bought our coach in 2007.

I'm not "unhappy" with them, but they have played a typical insurance game with us by increasing our rates each year even though our driving records and credit scores have remained spotless and constant.

My policy provides both a "disappearing deductible" and "accident forgiveness"... which means that after five claim free years... in the event of a claim I would have no deductible and my rates would not go up because of an accident.

Well, last summer while going over the bridge to Cape Cod I scraped my 40 feet of full body paint along a concrete barrier. It was $6K of damage and they attempted to both charge me a deductible AND nearly double my rates at renewal time. I was able to get them to reverse themselves on both counts... and I do believe it was because of a paperwork snafu when I moved from California residency to Texas.. but it left a bit of a bad taste.

Best of luck to you.

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Yes. I also have disappearing deductible, which is nice. But my rate went up this year $3 a month? Hmm.. Go figure. But I stayed with them.
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Old 05-17-2013, 11:34 PM   #16
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Great, I was going to start a thread on this. I really have no clue how much this will be, the biggest unknown I have $ wise. I read somewhere last night that we need to make sure we are insured before we take delivery, does this mean, if we agree to buy an rv, we shouldn't actually take it until we have gotten our insurance? I guess that make sense when I type it out. ;p I'm in Illinois, will be getting B or C probably 20 to 23 feet, won't have really valuables that I would want to ensure, I would replace anything if needed. If we are dry camping and a full-timer, this would no doubt increase rates? What are people paying per year? A couple thousand? Many thousands? I'm scared. ;p
Full time rates are more expensive but I don't think dry camping has anything to do with it.

I would not take delivery without having insurance secured. When you buy a new car, there's probably not an issue with calling your insurance agent the next week and telling them what the plate number is, etc.

If you take delivery of an RV which could cost more than houses in most parts of the country... you're probably taking a chance if you don't plug your insurance carrier in ahead of time. Imagine how hard that first phone call would be if your had to call your current agent and them them you bought a new "vehicle" last week and it just got totaled... with a bill of $250K.

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Yes. I also have disappearing deductible, which is nice. But my rate went up this year $3 a month? Hmm.. Go figure. But I stayed with them.
For $3/month, I would not only stay with them.... I'd send them flowers.

Rick
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Old 05-17-2013, 11:44 PM   #17
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I use National Interstate and have been very happy. My rates have DECREASED each year, even after a claim I had after a run-in with a concrete post in a CG. This year it was about $450/yr full coverage on my 2002 class A. The claim process was painless and the service was exceptional.
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Old 05-17-2013, 11:53 PM   #18
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I use National Interstate and have been very happy. My rates have DECREASED each year, even after a claim I had after a run-in with a concrete post in a CG. This year it was about $450/yr full coverage on my 2002 class A. The claim process was painless and the service was exceptional.
They need to clone these guys!!! ^^^
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Old 05-17-2013, 11:54 PM   #19
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kyrv, when buying my class A...I called my insurance co. gave them the info on the RV. I explained I was going out of state to look and possibly purchase. She told me I'm covered...and to call her the following week with the info if or if not purchased and if purchased everything she needed to actually write a policy. She told me an RV is different than a car or PU purchase..and needs to be insured prior to driving if a "new to you" purchase

better safe than sorry
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Old 05-18-2013, 12:06 AM   #20
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We have all our insurance with State Farm and our experience with them has been great. They Always listen and are fair. Our recent sewage disaster and my after the fact claim showed how this company takes care of its clients.
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Old 05-18-2013, 12:21 AM   #21
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So $3 a month is not bad? That makes me feel a little better. Lol.. It felt like highway robbery at first. But I'm slowly adjusting.
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Old 05-18-2013, 02:58 AM   #22
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My policy provides both a "disappearing deductible" and "accident forgiveness"... which means that after five claim free years... in the event of a claim I would have no deductible and my rates would not go up because of an accident.
Rick
Allstate has something similar to that. My agent told me it costs more, but I get the same coverage.
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Old 05-20-2013, 02:23 AM   #23
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Thanks to you and Rick-O, I will definitely make sure I'm insured first!
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kyrv, when buying my class A...I called my insurance co. gave them the info on the RV. I explained I was going out of state to look and possibly purchase. She told me I'm covered...and to call her the following week with the info if or if not purchased and if purchased everything she needed to actually write a policy. She told me an RV is different than a car or PU purchase..and needs to be insured prior to driving if a "new to you" purchase

better safe than sorry
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Old 05-20-2013, 02:32 PM   #24
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Watch out for the catch phrase "full coverage". That might mean different things to different people. Liability limits, physical damage deductibles can all be adjusted up or down (within any state mandated limits), so make sure you know what limits you are getting.

I think the comments regarding customer satisfaction with the company and agent are most helpful. You can have the greatest coverage with the greatest rates and if the company or the agent is not on your side - big trouble. I say that from having worked for an insurance agency at one time, and for having had a negative experience on personal policy.

Finally - remember - all companies do not write coverage in all states. A couple of those mentioned above - as an example - do not offer coverage here in MA.

Good luck.
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Old 05-20-2013, 05:12 PM   #25
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As stated, it depends on the state you are in. I had progressive because they had my car insurance. When I finally checked around I found that in Florida they are the higest ones going.
Call an agent such as Gilbert that deals with multiple RV insurance companies. I'm now paying less than half what I paid progressive for better coverage. It's your wallet and your MH so check aground and compare.

ENJOY !
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Old 05-20-2013, 05:27 PM   #26
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I have had GMAC since 2007 with no rate increases. Their full replacement cost coverage probably keeps the rates from going down?
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Old 05-20-2013, 09:23 PM   #27
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UFO, your rate should go down as the vehicle ages. If it hasn't you, actually had a rate increase.
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Old 05-20-2013, 10:44 PM   #28
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Dunner

My replacement coverage is for the original sticker price, I assume that is why the premium hasn't gone down. If I insured for it's actual value now the premium should decrease.
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