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Old 04-08-2013, 02:11 PM   #1
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Which insurance company?

Hi everyone

We're very new to this whole RV thing, and we're about to buy our first MH.

Can anyone give us some pointers as to good insurance companies to quote for us? We have had 2 quotes and they are over $800 apart, which seems a bit crazy.

Many thanks in advance
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Old 04-08-2013, 02:45 PM   #2
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The quotes will be all over the board. I found the best for my coach with GMAC through Good Sam. Others have said they were higher.

I have heard talk of Blue Sky (they do not sell in my home state) Progressive, Geico, etc., etc., etc.

Do a search for insurance and you will find multiple threads on the subject.
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Old 04-08-2013, 03:13 PM   #3
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Quote:
Originally Posted by Medico View Post
The quotes will be all over the board. I found the best for my coach with GMAC through Good Sam. Others have said they were higher.

I have heard talk of Blue Sky (they do not sell in my home state) Progressive, Geico, etc., etc., etc.

Do a search for insurance and you will find multiple threads on the subject.
Thanks Medico. Appreciate your reply.

I tried the search but only found one thread, so I'll try again.

The lower of our two quotes was from Good Sam, so at least we've got a ballpark figure.

Cheers.
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Old 04-08-2013, 03:26 PM   #4
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Saw this discussion on another forum. AAA is a possibility but more than one thought Home Page - Coach-Net.com was the way to go.
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Old 04-08-2013, 03:32 PM   #5
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Originally Posted by Wakita46 View Post
Saw this discussion on another forum. AAA is a possibility but more than one thought Home Page - Coach-Net.com was the way to go.
Thank you for that. We'll check it out!
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Old 04-08-2013, 06:30 PM   #6
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By having all my insurance for all my vehicles, house, and umbrella policy through the same company and the same agent I get a discount on each item. It adds up.
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Old 04-08-2013, 06:40 PM   #7
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If you are member of AARP, check out Hartford Ins. I had been with Progressive for a long time and the last two years the rates went up quite a bit. I found a much better rate with AARP.
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Old 04-08-2013, 06:47 PM   #8
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In another thread similar to this one I said:
I've been happy with hi sage marketing in Escondido, CA. Hi Sage Insurance - Your RV, Fifth Wheel, Travel Trailer, Motorcycle, Boat insurance specialists over 25 years
I've been with them maybe 20 years and they (seem) to search for the best coverage for the best price. In my case they have suggested changing policies three times to get better coverage when the prices have gone up on the policy I had.
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Old 04-08-2013, 07:22 PM   #9
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I suggest asking fellow TX campers the next time you go out camping in TX.
The best insurance tends to be local.
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Old 04-10-2013, 11:34 PM   #10
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Thanks everyone. We'll check them all out.

Appreciate your replies
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Old 04-10-2013, 11:46 PM   #11
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Blue sky RV.
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Old 04-11-2013, 06:57 AM   #12
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There are primarily two sources for insurance.
First, YOU talk directly to the company and in effect are your own agent - you had better have a good grasp of the coverages and exposures as the "agent" you talk with is a company employee and one can only guess who's side they will be on should the bad loss occur. Also time will be spent getting each quote from each company.....
Second, there are independent agents specializing in certain types of insurance who represent several companies also specializing in that insurance. You explain your needs ONE time and the agent gets quotes based on those needs. Agents also carry insurance (errors & omissions) coverage that covers an error made in securing your coverage thus adding a second layer of insurance for the transaction.
To my way of thinking, there is only one way to go.....
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Old 04-11-2013, 07:59 AM   #13
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There are so many factors affecting insurance premium costs that it is impossible to compare any two individual's costs. That also means that slight differences in a companies grouping of rate categories and the weight they give various factors can lead to wide differences in prices. The net effect is that each and every one of us has to shop around to find the best fit. I've had quotes that vary as much as 2x, some of them from the very companies that others here say have given them bargain rates.

Use of an agency that specializes in RVs, e.g. Millers, Gilbert, Tobin, etc. is one way to reduce the burden on you personally, but you still better learn about coverage types and amounts because an independent agent is still motivated to sell you as much coverage as possible to maximize commissions.
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