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06-10-2010, 09:39 AM
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#29
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Senior Member
Monaco Owners Club
Join Date: Apr 2009
Location: Granbury, Texas
Posts: 1,394
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I have had State Farm for my house, cars and motorcycles for over 30 years. When we purchased a travel trailer I insured it with State Farm. When we purchased our motorhome about 15 months ago I insured it with State Farm. Policy price for $100,000 replacement is less than $600.00 per year. I do live in Texas in a rural area with very low crime rate and it does make a difference.
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06-11-2010, 02:30 PM
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#30
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Senior Member
Join Date: Jul 2007
Posts: 228
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Count me among those who have been hit with mounting rate increases by Progressive. Just got my renewal and it increased over 14% - more than 36% higher than three years ago. No claims, no accidents, no tickets...and no way I plan on renewing before comparing rates with at least three other companies.
__________________
2017 Eagle HT 27.5 RLTS
2011 Chevy 2500HD Duramax Crew Cab 4WD
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06-11-2010, 02:35 PM
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#31
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Senior Member
Join Date: Jul 2007
Posts: 228
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Quote:
Originally Posted by Fossilhog
Try American Modern Insurance American Modern Insurance Group I saved a bundle. Had over 4K in storm damage a few yearas ago, adjuster showed up the next day, got a check 2 dayas later.
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Be aware they won't insure a motor home if it is more than 34' in length... At least that's what their online quote form said when I tried to fill it out a few minutes ago.
__________________
2017 Eagle HT 27.5 RLTS
2011 Chevy 2500HD Duramax Crew Cab 4WD
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06-11-2010, 04:22 PM
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#32
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Senior Member
Tiffin Owners Club
Join Date: Feb 2010
Posts: 331
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While I pay for only the bare minimum insurance required, regardless, I cannot find insurance cheaper than Allstate.
(Maybe it helps that I've been with them for 35 years?)
__________________
2000 40' Tiffin Allegro Bus \ 2002 Regal 2860 Commodore
1988 53 x 14 Skipperliner \ 1995 32' Party Cruiser
1984 Goldwing Aspencade \ 1976 Harley Sportster
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06-11-2010, 04:44 PM
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#33
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Senior Member
National RV Owners Club
Join Date: Jun 2009
Posts: 2,618
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Quote:
Originally Posted by REWahoo
Be aware they won't insure a motor home if it is more than 34' in length... At least that's what their online quote form said when I tried to fill it out a few minutes ago.
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I have American Modern on my 36.5 ft Tradewinds. I've only made one claim and that was roadside service. They called me when we got home to be sure I filed the claim. Check was in the mail the next day.
They were the least expensive when we were shopping and I haven't had any outlandish increases over the last three years.
Dick
__________________
1999 Tradewinds 7372 Cat 3126
Albuquerque, NM
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06-11-2010, 06:07 PM
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#34
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Senior Member
Fleetwood Owners Club
Join Date: Nov 2006
Location: Smyrna, GA
Posts: 234
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I work for an insurance company that writes auto (but not motorhomes). Every company "rolls their own cigar" on how they compute rates. Usually it is based on loss actuarials. From what has been stated here, my best guess is it could be due to your international license. My company surcharges international licenses in our rating formula due to our increased frequency of claims on drivers with international licenses. At one point, we would not write coverage on anyone with an International license at all, but later decided to accept them, albeit with a surcharge. An increased factor can be applied to just one coverage (i.e. liability) or they may choose to apply it to all coverages.
You'll probably never figure it out, as rating has become so complicated today that computers are needed to figure it out with tons of data crunching. The customer service people you talk with usually don't have a clue as to "why". Unfortunately, companies tend to lump all "International" licenses in one boat, when in reality it may be due to "International license" losses from one country and not others (i.e. from Mexico, but not England or vice versa).
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Darryl
Smyrna GA
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06-11-2010, 08:23 PM
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#35
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Senior Member
Join Date: May 2009
Posts: 278
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Quote:
Originally Posted by GaryKD
Like you, Progressive just gave me my renewal. It was about 30% higher than the last premium. Flo must be getting paid a bunch of $s, they think we are made of money or are too dumb to use the Internet to check the competition. Just about every other company is $500+ cheaper than Progressive. I chose to renew with Liberty Mutual.
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It's not Flo. It's George Soros.
But in actuality, insurance prices should reflect loss histories. If a lot of people have torched their RV's for insurance (as some assert), then insurance rates will go up.
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Trucking to support the cats.
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06-11-2010, 09:02 PM
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#36
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Senior Member
Alpine Owners Club
Join Date: Jun 2004
Posts: 2,553
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If Soros is a majority shareholder, I'm finding a new company. I really don't care what it will cost!
__________________
Tom, Patty, Hannah "The Big Dog" and Abby Kat, Indianapolis, Indiana 2000 Alpine 36' FDS 72232, 2005 Blue Bird M450 LXI Our Photos
"We live out in our old van. Travel all across this land. Drive until the city lights dissolve into a country sky, just me and you - hand in hand." Zac Brown Band
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06-12-2010, 06:29 AM
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#37
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Senior Member
Join Date: May 2009
Posts: 278
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Progressive's Chairman (and founder) Peter Lewis is one of Soros' best friends.
Soros is believed to be a signifificant stockholder in Progressive, but not enough to require an SEC filing.
Geico is owned by Warren Buffett.
On the other hand, I hate Sears (bad experience years ago), but we had Allstate Insurance for a number of years.
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Trucking to support the cats.
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06-12-2010, 06:38 AM
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#38
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Senior Member
Join Date: Jul 2005
Posts: 5,996
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Wish I'd known Progressives politics earlier!! They're gonna be canceled!!
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TandW
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06-12-2010, 10:35 AM
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#39
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Senior Member
Newmar Owners Club
Join Date: Jul 2006
Location: Wellington, Florida
Posts: 13,599
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Hi Darryl,
If you could pass on to the management of the insurance company you work for. That there is at least one customer (me) who would like to stay with an auto insurance company for more than one year. My myopic view is that auto insurance companies sign up new customers with a low ball rate and then sock it to them at renewal time. With the Internet, it is very easy for a customer to leave an insurer. I don't leave for a few bucks, but when an insurer wants hundreds more than anyone else, it's time for me to move on. This low ball initial rate seems to be industry wide. I've switched auto insurers every year for the last several years because of large rate increases. FYI, there is nothing, on my part, to give an insurer cause to raise my rate.
Please let your management know we are not dumb customers that automatically pay without checking around. Also, if you can, I'd like to know if your management feels it is easier to keep a customer or get a new one. Feel free to pass this post on to your management. If they are a company that charges competitive prices, I'll renew with them every year. I'm getting really tired of having to find a new insurer every year.
__________________
Gary
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
Nobody Knows Your Coach Like Somebody Who Owns One Just Like Yours
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06-12-2010, 10:40 AM
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#40
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Senior Member
Alpine Owners Club
Join Date: Jun 2004
Posts: 2,553
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Quote:
Originally Posted by GaryKD
Hi Darryl,
If you could pass on to the management of the insurance company you work for. That there is at least one customer (me) who would like to stay with an auto insurance company for more than one year. My myopic view is that auto insurance companies sign up new customers with a low ball rate and then sock it to them at renewal time. With the Internet, it is very easy for a customer to leave an insurer. I don't leave for a few bucks, but when an insurer wants hundreds more than anyone else, it's time for me to move on. This low ball initial rate seems to be industry wide. I've switched auto insurers every year for the last several years because of large rate increases. FYI, there is nothing, on my part, to give an insurer cause to raise my rate.
Please let your management know we are not dumb customers that automatically pay without checking around. Also, if you can, I'd like to know if your management feels it is easier to keep a customer or get a new one. Feel free to pass this post on to your management. If they are a company that charges competitive prices, I'll renew with them every year. I'm getting really tired of having to find a new insurer every year.
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I don't know Gary, I may be dumb. I've been with AAA (cars only) in California now for 28 years
__________________
Tom, Patty, Hannah "The Big Dog" and Abby Kat, Indianapolis, Indiana 2000 Alpine 36' FDS 72232, 2005 Blue Bird M450 LXI Our Photos
"We live out in our old van. Travel all across this land. Drive until the city lights dissolve into a country sky, just me and you - hand in hand." Zac Brown Band
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06-12-2010, 11:02 AM
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#41
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Senior Member
Fleetwood Owners Club Freightliner Owners Club
Join Date: Nov 2001
Location: East Texas
Posts: 2,269
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Quote:
Originally Posted by Tom and Patty
If Soros is a majority shareholder, I'm finding a new company.
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Yikes! Me too, even if I have to...
__________________
2005 Fleetwood Providence 39J CAT C7 350, MP-8 Power Module
My wife does all the driving - I just hold the wheel...
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06-13-2010, 06:19 PM
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#42
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Junior Member
Ford Super Duty Owner
Join Date: Jun 2010
Location: Buffalo NY
Posts: 14
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I also have american modern and I pay 400.00 per year it actually went down from 450.00 and the specialize in motorhomes
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