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Old 10-06-2008, 08:41 AM   #1
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Looking for good rate on RV insurance...any ideas?
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Old 10-06-2008, 08:41 AM   #2
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Looking for good rate on RV insurance...any ideas?
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Old 10-06-2008, 01:47 PM   #3
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Are you looking for regular RV insurance or fulltimers insurance?

Either way, I'd suggest you contact some insurance brokers who specialize in RV Insurance such as Miller's, Gilbert, AON, Explorer, RV America, and the like.

Or, contact insurance companies that deal in RV insurance directly such as Progressive, Foremost, Geico, etc.

If you're looking for someone to tell you which company will give you the best rates, no one can do that because there are simply too many factors that go into figuring premiums: type of insurance, coverage amounts, state/county/city where the RV is garaged, even your credit rating plays a part in figuring premiums.

So, to find out which company will give YOU the best rates, you'll have to call around.
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Old 10-06-2008, 04:16 PM   #4
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Farm and City (800-331-1520) has done well for me the last few years. They specialize in RV insurance. They represent several companies (they are a broker). Through Farm and City, I am with Progressive for the coach.

Like Linda posted, insurance rates are impossible to figure out. Each company has their secret formula. Even your zip code plays a role in the cost. For some unknown reason, Progressive has a very good rate for the coach, but for my cars (2) they are much higher than my current company. Who knows why?
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Old 10-06-2008, 07:43 PM   #5
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Progressive GAVE ME A BETTER RATE THAN GEICO.Also Good Sam for traveling RSA is fairly cheap and come with discounts at a lot of campgrounds..
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Old 10-07-2008, 07:25 AM   #6
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I got my best rate from Allstate who now has a new RV insurance.
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Old 10-07-2008, 09:53 AM   #7
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I checked with GEICO (gave me a good laugh) then with Progressive (almost gave me heart failure), I then checked with and bought from National Interstate Ins. out of Ohio. Rates and coverage beat out everybody else even when I included my 20 yr. old son on the policy. 1 million dollar policy with guarantee replacement, and decreasing deductible.
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Old 10-07-2008, 02:59 PM   #8
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Ours is with Shelter. Overall, it saved us $1000+ a year over SF. Our next door neighbor is our agent, and we got what I considered a decent rate. Of course with all our real estate and rolling stock on the same policy, he can afford to cut us a deal!
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Old 10-08-2008, 07:55 AM   #9
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We had a Geico Rep. stop by our office and leave some customer information sheets here... Here is a phone # to call for a free rate quote. 1-877-434-2678. It also states here to be sure to ask about the multi-vehilce, defensive driver and commercial driver license discounts.
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Old 10-08-2008, 01:22 PM   #10
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Thanks so much for the input. I checked them all and ended up with Progessive. We have a few toys insured with them, so they offered the best rate. Home and Autos are with AAA, but their rv coverage is only comprehensive and collision w/o replacement cost, so paid a few more bucks for the full meal deal!
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Old 11-07-2008, 04:53 AM   #11
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Know this is a little late but thought I'd post it anyway. I just switched from Progressive - 2008 Diplomat - we full time and have had zero claims on the coach or any vehicle for more years than I want to mention. Progressive sent me a renewal notice for the policy (1 year old) and increased me by $350.00 - put it over $2,000.00 a year. I did some quick checking and went with Twin Peaks out of Florida - Gilbert's was about $100.00 off of theirs - both beating the heck out of Progressive. And to boot Twin Peaks coverage is more than Progressive. Called Progressive today and the rep couldn't shed any light - something about my applying for credit in the past 2 years - what bull - my credit rating is over 700 - only thing we owe on is the coach. Oh well - just a thought to keep your eye on Progressive when the policy comes up for renewal.
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Old 11-09-2008, 08:19 PM   #12
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Did anyone mention GMAC thru Camping World or Good Sam or GMAC by itself?
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Old 11-09-2008, 10:03 PM   #13
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We have GMAC insurance- but I have employee pricing through a dealership program.
We did have it before it was taken over from the National General-Good Sam program.

I will double-check comparable insurance a couple of months before renewal again...as I reccommend everyone else do also....

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Old 11-10-2008, 08:58 AM   #14
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<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by MCPO Ret:
I did some quick checking and went with Twin Peaks out of Florida - Gilbert's was about $100.00 off of theirs - both beating the heck out of Progressive. </div></BLOCKQUOTE>

I called Twin Peaks to just check out their rate against my Progresive policy and they actually sent me a Progressive Quote...which was $200.00 HIGHER than what I paid Progressive Direct for...same coverages. Which company did Twin Peaks use to insure you?
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