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Old 11-26-2015, 07:03 AM   #1
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Insurance costs

Have been in the market for an Essex or King Aire and am trying to get a good handle on direct costs. Maintenance / Insurance are two areas where I don't have a good sense of annual cost. Anyone with a newer Essex/King Aire can you let me know what your spending for insurance and annual maintenance.

Is it safe to assume 1.5% of what you paid for insurance premium? Who are you using and are you happy with their service.

Thanks
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Old 11-26-2015, 08:19 AM   #2
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My 2015 DutchStar insurance is $1530 per year with $1000 diminishing deductable.
I add the rig to my 4 million umbrella policy for an additional $250 a year.
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Old 11-26-2015, 09:16 AM   #3
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insurance

lrose44 - do you mind telling us who you got your great rate from on the 2015 Dutch Star?
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Old 11-26-2015, 09:18 AM   #4
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I have GEICO on 2001 DS & 2004 CR-V...
$500 deductable...
Texas
Not full time...
$502 for 6 months...
Bob & Kathy
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Old 11-26-2015, 09:35 AM   #5
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the value doesn't change the rate all that much.

$578 a year, Allied, Overland Mgt Corp agent in AZ
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Old 11-26-2015, 09:49 AM   #6
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There are no simple answers on insurance.

You need to comparison shop the reputable companies. Price depends on your driving record, location class, and each level of coverage.

I am in Rural Route Class 1. It is the lowest location cost in PA. If I lived in Philladelpia the over-all rate would triple.

Each insurer has rates that vary by state, or even by county.

Make sure the quotes are one-on-one for all coverage levels. Some like to provide lower pricing via lower coverage.

So, no simple answers. You must shop. Brokers may help.

Best of luck!
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Old 11-26-2015, 10:48 AM   #7
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ikold
Not sure what your time frame is to purchase...but I sent you a PM regarding a 2012 Essex a friend of mine is selling.
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Old 11-26-2015, 10:57 AM   #8
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If you're a member of AARP or if you're in a qualifying age bracket, I would suggest getting a Hartford Insurance quote through AARP. They are very competitive.
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Old 11-26-2015, 02:58 PM   #9
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Quote:
Originally Posted by lucyh View Post
lrose44 - do you mind telling us who you got your great rate from on the 2015 Dutch Star?
Explorer RV insurance in Ohio.
Good friend recommended them.
I was paying $3800 locally. ( This is a company I have been with 44 years and insures all my businesses and other vehicles)
Sent Explorer the declaration sheet on what I was paying and levels of coverage.
They matched or exceeded everything.
As I stated earlier.....kept Coach on umbrella policy locally for $250.
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Old 11-26-2015, 03:18 PM   #10
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Quote:
Originally Posted by tomakat View Post
If you're a member of AARP or if you're in a qualifying age bracket, I would suggest getting a Hartford Insurance quote through AARP. They are very competitive.
I have my 3 cars with Hartford but when I asked for a quote on the 2015 DS they didn't offer replacement cost, only a depreciated cost (ACV) in case of total destruction.
As fast as these RVs depreciate I wasn't interested in that coverage, at least until the coach gets a few years under its belt.
If you're a member of FMCA try them while you're getting quotes.
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Old 11-27-2015, 01:41 PM   #11
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Try good sams
They did a great job for me. I moved all my insurance to them and am saving about $3,000 per year with extensive coverage including replacement the first 5 years then what I paid from year 6 on. Bear in mind that if you have a toad and have two carriers (car and coach) you may have issues with who pays what. I have one carrier for all my vehicles. We had hail damage on the coach and toad last year in South Dakota and because we were attached I paid only one deductible. Very good service thru National General Insurance. We upgraded to a 16 Anthem this year from a 13 Aspire and hardley any difference in premium. Check them out.
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Old 11-27-2015, 02:08 PM   #12
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You can not make a direct conclusion based on what anyone tells you they are paying for insurance. What you need to do is put together a list of reputable companies and call three or four of them for quotes. There are too many variables for any of us to make assumptions as to cost based on someone else's experience.

As to maintenance, we just ordered a London Aire so maintenance costs are of interest to me too. It will have the same drive train as the two you list. I know they will be higher than our current rig.

Firstly, the engine will take about twice as much oil as our ISL for each change. Also, if you go to the Cummins site and look up the recommended maintenance schedule you'll note they recommend oil changes every six months. I verified this with a Cummins rep at the FMCA rally this past summer. He could not tell me why and of course would not deviate from the corporate recommendations, but I had the impression from his demeanor that he too may have thought this to be excessive. His politically correct answer was "our engineers determine and set the recommended change intervals".

I'm putting 6 to 7k miles a year on our coach, most of these April through October. I've been having the annual service and oil changes done on our way to Florida each October or November. November through March we may put less than 500 miles on the coach, maybe 1000, max. Change out the oil with less than 1000 miles use? To me this is insanely wasteful and of questionable value in terms of performance or durability.
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Old 11-27-2015, 02:08 PM   #13
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Insurance: $1900/year including toad. National General.
Scheduled Maintenance: roughly $750 - $1000/year

Dave
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Old 11-27-2015, 02:27 PM   #14
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We paid $2,272/yr through State Farm with no glass coverage on our 2014 King Aire
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