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Old 01-19-2017, 02:27 PM   #15
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That's very expensive. Try getting quotes from other insurers and see what hey come in at. National Interstate always seem to have good rates.
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Old 01-19-2017, 03:41 PM   #16
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We're bundled with Allstate Property and Casualty Insurance Company including our home, flood, autos, classic collector car, golf car and motor coach. We also have a umbrella policy.

Our Coach coverage includes $250/500/250k liability, both comp. & collision at $600k actual cash value w/$5k deductible, uninsured motorist $250/500k and medical for $2250/year or $187.54/month.

We are both above 60, have excellent FICOs with our coach policy based upon our use being less than 20k miles driven per year. i.e. non-full timers.
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Old 01-19-2017, 04:32 PM   #17
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Originally Posted by theroc View Post
mrgs, in my experience, it's much better to call on the phone to get quotes rather than try to do it online.

When you call, they can usually give you a quote immediately and then follow that up with an email that will give the details.

Again, this is especially true if you use an independent agent such as the two I mentioned in my previous post. Call them on the phone. You are under no obligation to use them once they give you a quote ...or quotes in the case of using an independent agent.

BTW, National General is a prominent carrier insuring RVs. It's the old "GMAC" RV insurance and is who you'd be insured with if going through the Good Sam Insurance Agency. It's not to be confused with "The General Car Insurance" with the little General cartoon character in the TV commercials. That's a different company altogether.

to add: For example, I know if you called Destination in Missoula, they could give you a quotes for National General, Progressive, Blue Sky, and several others (I currently use Destination so I know they do business with at least those carriers). I believe that will be the same with Miller in Lake Oswego too although I haven't used them for quite a few years.
I actually went to Good Sam; couldn't get an online quote due to how many points I had. Was sticking with online so I could get quotes easily even if they are ballpark but I didn't expect progressive to be so way off.

So I will be calling
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Old 01-19-2017, 11:35 PM   #18
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MRGS, you posted that National General does not offer policies on motorhomes. Maybe things have changed as I just secured a policy from them on my rig last week.

Anyway, sounds like the OP is getting what he needs through Miller.
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Old 01-20-2017, 04:48 AM   #19
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Sounds like a decimal point shift one position to the right on the quote. Your one month is slightly less than my two cars and the coach for a year. As suggested a phone call might be better option or verify the information provided. Could be something as simple as estimate value has could have extra zeros. Supposed to be $150,000.00 but the input data was $15,000,000 due to a missing decimal point.
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Old 01-20-2017, 07:32 AM   #20
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Make sure that you get a BINDING quote before you sign up! Progressive gave me a quote over the phone for our old TT. We spent quite a lot of time going over stuff, while I sat on the phone. Then they hung up, checked my credit, driving record, etc, called back about 2 hours later with the quote. I jotted down all the specifics, said yes, start it, and off we went.

About 10 days later, I received my actual policy with the declarations page. Price had gone up about 70%. I called them back, said, "what the heck?" They said I wrote it down wrong . . . Then they backed up and said that the "quote" I was given was just an estimate, awaiting check on my credit, driving record . . . . . Fico score was 816, no tickets since 1994, only accidents were my kids (not the kids themselves, rather AUTOMOBILE accidents) I figured I'd correct that before someone jumped on it! The kids wouldn't be towing my TT, just my wife and I so they didn't apply. Oh, and I called them on the credit check and driving record, as they stated that that's why they had to call back. . . . .lots of excuses and finger pointing, but I told them to cancel.

They called back a few days later and said there had been a mistake, and that the premiums would only be 20% greater than quoted, NOT 70% . . . . I asked them why they were calling as I didn't have a policy with them! Anyway, make sure that the quote you are given is a BINDING quote before you agree!

I told them to cancel, they wanted to charge me a cancellation fee, PLUS the insurance for the 10 days! Yeah, THAT didn't happen . . .
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Old 01-20-2017, 08:22 AM   #21
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I got a quote directly from Progressive

Went to Good Sam, and they beat that thru their favorite provider, National General

Then, as I was simply waiting for my purchase date to arrive, Good Sam reached out to me, and offered to shop more extensively, they went to Progressive and beat National General, and I have Progressive insurance with my new motorhome.
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Old 01-20-2017, 08:30 AM   #22
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Originally Posted by mrgs View Post

If I go with the bare minimum it was still $450/month

does all that sound right for owning a newer Class A?

as an insurance agent, and working my agency from my coach full time, I can tell you that you are not giving us enough 'information' about your situation...

accident history
violations history
where you live/garage the coach

it 'sounds' like your driving history, accidents, and violations are the major consideration if you are seeing what you consider 'high' premiums...
but we also don't know if you are a home owner(discount), have other insurance with the same carrier(multi policy discount), have other drivers listed that may impact the premium, etc...
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Old 01-21-2017, 10:13 AM   #23
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Originally Posted by mrgs View Post
I actually went to Good Sam; couldn't get an online quote due to how many points I had. Was sticking with online so I could get quotes easily even if they are ballpark but I didn't expect progressive to be so way off.

So I will be calling
In a separate post, you mention two fender-benders where you were deemed at fault. In this post, you mention that you have points on your driving record. I will assume that the fender-benders and points are unrelated. If I have that right, perhaps the mystery of the high quotes has been solved. Not making judgments here.
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Old 01-21-2017, 11:34 AM   #24
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Tried General; they don't actually insure MHs; you get referred to progressive

Try National General.....not " The General "
Quotes available thru Good Sam and FMCA
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