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Old 04-02-2014, 06:14 PM   #1
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Old, cheap RV...what type of insurance

Just just bought my first RV for $4k. Insurance estimate value at $15k. Went online to progressive to get an estimate. Minimum coverage is 200/6 month. Decent coverage was 500-700.
It made me stop and think, do I need more than the minimum? If I hit a deer, is it worth repairing or just scrap it out and search for a new one?
It's an 86 holiday rambler imperial.
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Old 04-02-2014, 07:36 PM   #2
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Liability only, no comp or collision. IMHO.
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Old 04-02-2014, 07:44 PM   #3
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Agreed: Liability only, no comp or collision.

It becomes a "throwaway" coach if damaged.
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Old 04-02-2014, 08:11 PM   #4
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I pay $136 a year with progressive for $500,000 liability. Paid $8,000 for MH, no reason to get collision and comprehensive.
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Old 04-02-2014, 09:57 PM   #5
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My 22year old Lazy Daze cost me $8,000 but even if it was $4,000 I will have the collision and comprehensive coverage. Even a broken windshield can get expensive and you never know when a fire might happen.

If it gets stolen or totalled that $4,000 will come in handy buying the replacement RV.
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Old 04-02-2014, 10:04 PM   #6
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Quote:
Originally Posted by wblynch View Post
My 22year old Lazy Daze cost me $8,000 but even if it was $4,000 I will have the collision and comprehensive coverage. Even a broken windshield can get expensive and you never know when a fire might happen. If it gets stolen or totalled that $4,000 will come in handy buying the replacement RV.
Do you mind me asking how much you pay for insurance?
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Old 04-03-2014, 12:22 AM   #7
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Do you mind me asking how much you pay for insurance?
Oh gosh I would have to go look it up but I think it's about $345 every six months. I consider that pretty reasonable.

Last week I hit something in the freeway with my car and it did $5200 in damage. Even though the car is paid off i kept the comprehensive and now insurance is paying for all the repairs for only a $50 deductible.
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Old 04-03-2014, 01:26 AM   #8
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At what value does one drop comp and collision is a personal choice and depends on various financial factors. Myself I am self insured as much as I feel reasonable. And carry high deductibles when I do have comp and collision. Over ones lifetime, taking a self insured position, you will typically come out ahead.
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Old 04-03-2014, 06:43 AM   #9
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On mine I have agreed value just got a new windshield I pay $186 every 6 months full coverage
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Old 04-03-2014, 06:49 AM   #10
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I pay 695.00 per year for full coverage and full timing insurance with Progressive. I even carry full coverage on my 93 Olds Cutlass Vert. To me the cost is worth it.
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Old 04-03-2014, 07:05 AM   #11
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Shop around for insurance, Progressive was one of my higher quotes. My best coverage for almost the same money as the lower quotes was Good Sam's I shopped about 20 carriers
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Old 04-03-2014, 07:23 AM   #12
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Dave: I use Progressive and my Bounder costs around $380/yr. But insurance is a regional concern and you are going to be adjusted according to the area that you live and where you claim the RV is stored. Give Good Sam's a try too. The insure RVs and you might consider joining their club.
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Old 04-03-2014, 10:31 AM   #13
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Thanks for all the replies. I just checked Good Sams...much cheaper.
I did full coverage with a higher deductible for $276/6 months.
I am new to RV'ing and not 100% sure if I need it or not. This will give me a little piece of mind while I am figuring this stuff out!
$276 I can swallow!

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