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Old 03-10-2018, 01:12 PM   #1
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Class C insurance

I have not bought a RV yet but want to get MW 31K in a few months , What Insurance Companies are the best / most reasonable ? Which ones do you stay away from ? ( I am in Michigan w/ the no-fault garbage going on .) Thanks.....
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Old 03-10-2018, 01:41 PM   #2
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Just get quotes and compare every line of coverage and exclusions. For every person telling you of a bad experience there will be one to have something positive to say.
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Old 03-10-2018, 02:28 PM   #3
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Just get quotes and compare every line of coverage and exclusions. For every person telling you of a bad experience there will be one to have something positive to say.
This is exactly our experience. Insurance rates depend on state, driver, history, vehicle, and countless other variables. At the end of the day, there is not a best.
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Old 03-11-2018, 09:04 PM   #4
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National general ( old gmac) will allow you to "store"it giving you a lower rate if your not using it
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Old 03-11-2018, 09:06 PM   #5
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We just added press to or State Farm policies. We get discounts and have been treated well when were had chains in the past.
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Old 03-12-2018, 04:17 PM   #6
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We added to my GEICO insurance. They have been great for us.
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Old 03-13-2018, 10:13 AM   #7
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One thing you may ask about. If you store your rig inside, you may get a better rate. With our insurance, we pay a base rate, then if we are using the RV, we pay for the time on the road, not while stored. We keep our Class C in our shop when not in use. Not sure if all companies do this, but worth asking about.
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Old 03-13-2018, 10:21 AM   #8
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National general ( old gmac) will allow you to "store"it giving you a lower rate if your not using it
So will the Hartford. I don't even have to let them know when I take off or come back. Just estimate the time used and they discount automatically.
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Old 03-13-2018, 01:55 PM   #9
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Just get quotes and compare every line of coverage and exclusions. For every person telling you of a bad experience there will be one to have something positive to say.
X2 All have similar coverage, some though do not offer a storage option. Also discounts can be had for having all your insurance with 1 carrier.
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Old 03-13-2018, 02:09 PM   #10
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As you can see everyone has their own opinion. I have Progressive. Seems to fit well for us. I live in Louisiana which is ranked #2 in country for high auto insurance. RV insurance is generally much cheaper than auto insurance unless your full timing it. Good luck.
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Old 03-19-2018, 12:42 AM   #11
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Progressive Insurance

It appears that many folks have not had to utilize their insurance. 👍🏻👍🏻
Needless to say, carefully compare policies and costs.
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Old 03-20-2018, 07:53 AM   #12
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Very competitive business but the proof is in the claim. Stay with the big companies and more so, the company you have a reputation with. Just insured our new 2018 35SF with Progressive for $1,016 per year, full coverage with full replacement for first 3 years. Most importantly...pay attention to and be honest with that clause..."average miles per year you will use this vehicle". That can be a claim denying issue if you misrepresent.
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Old 03-20-2018, 08:21 AM   #13
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If you are not going to be a full timer (which requires a different kind of policy), start with your current insurer. A MH is no different than any other vehicle. You can add replacement riders, trip disruption riders, etc. Property loss is covered under your homeowners policy. So start with your agent. If you don't end up with something reasonable, check the big boys like Progressive and Geico.
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Old 03-23-2018, 08:59 PM   #14
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If you are not going to be a full timer (which requires a different kind of policy), start with your current insurer. A MH is no different than any other vehicle.
Just an FYI that USAA doesn't write policies for MH's, towables they do. Anyway, I had to get mine through Progressive. Hope I never have to find out what kind of service they provide.
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