RV Trip Planning Discussions

Go Back   iRV2 Forums > THE OWNER'S CORNER FORUMS > Newmar Owner's Forum
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 09-25-2020, 11:12 AM   #1
Member
 
Join Date: Jun 2015
Posts: 51
Insurance Quote Differences 2019 LADP

We have received two very different quotes for the same insurance coverage of our 2019 LADP. Geico is offering $2K/year; State Farm is offering $4K/Year. Both claim it's for total replacement market value. We've compared line by line and the coverage looks the same. Can't figure out why one is 50% cheaper. FYI, it's also $1k deductibles for both.

What are y'all paying for insurance premiums for total loss replacement?

Baffled with this premium price difference....
__________________
2019 London Aire 4551 - Spartan Chassis
2014 Jeep Grand Cherokee
ello is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 09-25-2020, 11:19 AM   #2
Senior Member
 
hohenwald48's Avatar


 
Join Date: Jan 2017
Location: Nashville, TN area
Posts: 3,903
I pay $1983 for full coverage on my 2019 Canyon Star. If you can get your 2019 London Aire covered for the same price I'd be suspicious. Or maybe I'm just paying way more than I should. I did shop around in July before I renewed in August and $1983 was the best I could do in Tennessee.
__________________
When seconds count, the police are only minutes away.
2019 Newmar Canyon Star 3627 on a 2018 F-53 26K chassis w/6 speed transmission
2017 Jeep Wrangler JKU with Ready Brute tow system
Nashville, TN or Titusville, FL when not on the road
hohenwald48 is offline   Reply With Quote
Old 09-25-2020, 12:13 PM   #3
Senior Member
 
Newmar Owners Club
Join Date: Jan 2018
Location: Colorado Springs
Posts: 129
I have found similar disparaties and even greater $6000) between different companies when shopping insurance for our 2019 DS and for two years I have shopped hard.

My conclusions are:

1. Companies weigh variables differently
(Driving record, age, number of drivers, claim history, etc)

2. Companies may very likely raise your rates upon renewal for no reason other than to see if they can up it by you. (Some people just pay their bills when they come due, too busy or lazy or wealthy or can't be bothered to
look at last year's premium, especially if they have had no i cider for their insurance to go up.

3. If you are sure all things are equal and both national brand companies, go with the least expensive company that you have researched regarding RV insurance. (Resonsiveness, assistance, promptness in payment, etc)
__________________
RodB
2019 DS 4018 (Spartan), Nighthawk
2015 Jeep Wrangler Sahara
TheRod is offline   Reply With Quote
Old 09-25-2020, 03:04 PM   #4
Senior Member
 
Join Date: Oct 2018
Location: North Tx
Posts: 401
There's something in that 2K policy you're missing. We recently solicited bids from multiple companies. One was FMCA and two others were independent agents. We wanted our coach covered for 300K. We're long term home owners, retired, excellent credit, etc. Our bids ranged from 2K to 6K. The 2 K was State Farm, but it didn't provide the coverages we wanted. We went with Nationwide, 500 deductible, no cost windshield coverage, and roadside assistance. Cost $3,600. Will go thru the same process next year.
__________________
2020 Newmar Ventana 4369
GCSuper is offline   Reply With Quote
Old 09-25-2020, 05:38 PM   #5
Member
 
Join Date: Jun 2015
Posts: 51
Thanks everyone. This is have been very helpful.
__________________
2019 London Aire 4551 - Spartan Chassis
2014 Jeep Grand Cherokee
ello is offline   Reply With Quote
Old 09-26-2020, 12:50 PM   #6
Senior Member
 
Rev. Roy's Avatar
 
Join Date: Mar 2017
Posts: 250
The only things I can add is that rates are based upon where you domicile is located and Geico probably insures more full time RVers. My question is are you full time or recreational RVers? If full timers, be sure you're properly protected. That will make a big difference as to to the price.
Rev. Roy is offline   Reply With Quote
Reply

Tags
insurance



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Looking for best Insurance quote Loving It Entegra Owner's Forum 19 01-26-2018 05:19 PM
NC Motorhome Insurance Quote robertj1979 Monaco Owner's Forum 35 12-16-2017 03:50 PM
Good Sams insurance quote.....too good to be true? bgholson Class A Motorhome Discussions 20 11-17-2016 04:49 PM
Motor Home Insurance Quote mhbell Class A Motorhome Discussions 5 04-08-2015 06:02 PM
AAA RV Insurance Quote Gadget Man iRV2.com General Discussion 14 03-06-2014 03:37 PM


All times are GMT -6. The time now is 07:42 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2020, vBulletin Solutions, Inc.