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04-08-2013, 01:11 PM
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#1
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Junior Member
Join Date: Apr 2013
Posts: 18
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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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04-08-2013, 01:45 PM
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#2
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Senior Member
Country Coach Owners Club Retired Fire Service RVer's
Join Date: Feb 2013
Location: Ocala, Florida
Posts: 6,295
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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.
__________________
FMCA #F431170, GS #822128658, Escapees SKP #112655
2012 Airstream Mercedes Interstate Class B
[SIGPIC][/SIGPIC]
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04-08-2013, 02:13 PM
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#3
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Junior Member
Join Date: Apr 2013
Posts: 18
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Quote:
Originally Posted by Medico
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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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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04-08-2013, 02:26 PM
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#4
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Junior Member
Join Date: Apr 2013
Posts: 2
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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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04-08-2013, 02:32 PM
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#5
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Junior Member
Join Date: Apr 2013
Posts: 18
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Quote:
Originally Posted by Wakita46
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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Thank you for that. We'll check it out!
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04-08-2013, 05:30 PM
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#6
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Senior Member
Join Date: Nov 2012
Location: Storden,MN
Posts: 678
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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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04-08-2013, 05:40 PM
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#7
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Registered User
Winnebago Owners Club
Join Date: May 2012
Posts: 155
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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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04-08-2013, 05:47 PM
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#8
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Senior Member
National RV Owners Club
Join Date: Jun 2010
Posts: 4,581
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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.
__________________
Bob & Sandi, dogs Tasha a Frenchie and Tiki a Skipperkey
SW OREGON 2005 34 foot DolphinLX
If towing: a bright red 2016 Mini Cooper on a tow dolly.
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04-08-2013, 06:22 PM
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#9
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Senior Member
Join Date: Jul 2012
Location: Fulltime, USA
Posts: 16,706
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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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04-10-2013, 10:34 PM
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#10
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Junior Member
Join Date: Apr 2013
Posts: 18
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Thanks everyone. We'll check them all out.
Appreciate your replies
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04-10-2013, 10:46 PM
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#11
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Registered User
Fleetwood Owners Club
Join Date: Apr 2012
Posts: 905
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Blue sky RV.
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04-11-2013, 05:57 AM
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#12
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Senior Member
Monaco Owners Club Texas Boomers Club
Join Date: Jan 2009
Posts: 2,529
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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.....
__________________
Hal & Ginny Miller '04 Beaver Santiam PRT40
'04 Saturn Vue - US Gear Brake - Blue Ox tow
3"girls" (2 Irish Setters - 1 Retriever) - RIP Annie & Emily (12/26/2017)
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04-11-2013, 06:59 AM
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#13
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,678
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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.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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