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Old 05-16-2013, 09:28 PM   #1
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What is the cheapest&best rv insurance?

My husband&i are getting an rv for the first time,what is the cheapest&best insurance to go with?

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Old 05-16-2013, 09:36 PM   #2
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Each state is different, each county is different, each city is different, each person is different, even your credit rating come into play with some companies comes into it. There is no one real answer for everybody.

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Old 05-17-2013, 04:20 AM   #3
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You will get many different opinions about this. Plus, what's best for a TT may not be for a 5er or MH. In our case we chose GMAC through Good Sam Club. This was best for us in our situation for our MH.
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Old 05-17-2013, 06:00 AM   #4
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Vehicle insurance rates will vary depending on your driving record, where you live, your lifestyle, your job, credit score, where you store the unit, coverages, and many other things. The only real way to compare is to get quotations from several companies and compare. Rates change frequently so you may have to shop annually if price is of paramount importance to you.

Some of the most frequently mentioned insurance companies you may want to consider for rvs include GMAC, Progressive (if Peter Lewis does not bother you), GEICO, Blue Sky, State Farm, whatever companies FMCA, Good Sam, or AARP are representing, and National Interstate. We have had NI for eight years with good service and competitive rates.
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Old 05-17-2013, 06:44 AM   #5
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There are an awful lot of variables with any automotive policy. You can adjust your deductible upwards and reduce policy costs. Multiple vehicles may reduce your costs. The factors listed above are very important also. Do your homework and compare similar policies (coverages) and pick a reputable company. Also, there are some considerations for towing. A vehicle towing an RV or a RV with a toad if insured with different companies will probably require two deductible payments if in a accident. Then it can get complicated. State laws vary, but consider one insurer to keep it simple.
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Old 05-17-2013, 06:44 AM   #6
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"Cheap" and "Best" do not go together! Suggest you get an agent and have them shop the market.
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Old 05-17-2013, 06:50 AM   #7
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Just what is it you want, the cheapest or the best? If you do some homework on the web, you will find out the cheapest ain't the best and for sure the best ain't the cheapest.
You and your husband need to sit down and figure out just what it is you want!

I can guarantee you if you go the cheapest route you will probably be disappointed when it comes time to file a claim.
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Old 05-17-2013, 08:03 AM   #8
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Gilbert Insurance Florida has been good to help me find good coverage at "reasonable" rates. As stated before "cheap" and "best" do not go together. Good Luck.
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Old 05-17-2013, 08:42 AM   #9
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Start with your current provider and then shop around for the best coverage and rates. As stated above too many variables to just give names.
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Old 05-17-2013, 09:03 AM   #10
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Originally Posted by H. Miller View Post
"Cheap" and "Best" do not go together! Suggest you get an agent and have them shop the market.
Most folks want what is good, want it cheap, and want it fast. Research indicates only two are possible:

If it's good and fast, it won't be cheap.
If it's good and cheap, it won't be fast.
If it's fast and cheap, it won't be good.
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Old 05-17-2013, 09:13 AM   #11
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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.

Rick, Nancy, Peanut & Lola our Westie Dogs & Bailey the Sheltie.

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Old 05-17-2013, 09:33 AM   #12
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Check Blue Sky RV Insurance.
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Old 05-17-2013, 08:00 PM   #13
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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
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Old 05-17-2013, 08:13 PM   #14
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$575, full coverage for 2012 class c.

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