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11-15-2014, 02:17 PM
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#1
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Senior Member
Freightliner Owners Club Retired Fire Service RVer's
Join Date: Mar 2004
Location: Peoria AZ USA
Posts: 252
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RV Insurance
Just bought a new Class A. I have Progressive insurance. Just for kicks I priced insurance through Good Sam. GS quote was half that of progressive for the same coverage. Clean driving record. Any thoughts?
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Flyer
2020 Winnebago Forza 34T
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11-15-2014, 02:36 PM
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#2
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Senior Member
Join Date: Nov 2013
Location: FullTime, North America
Posts: 555
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Some people get great quotes through progressive, others like me have had the same results you got. For me progressive has always been the highest and by a large margin. Not sure why but insurance varies by zip code, driving record, credit report. I suggest you try getting quotes through a insurance broker, one that deals with lots of RVs.
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Steven and Stephanie
2007 Winnebago Adventurer 38J
2008 Hyundai Elantra
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11-15-2014, 02:41 PM
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#3
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Moderator Emeritus
Join Date: Jan 2007
Location: Litchfield Park, Arizona
Posts: 10,530
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My guess is that if you were a new Progressive customer you would have gotten a lower quote. I've had them since 2007 and they (along with others) seem to keep turning the screws on existing customers while trying to attract new customers with low ball quotes.
Rick
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Rick, Nancy, Peanut & Lola our Westie Dogs & Bailey the Sheltie.
2007 Itasca Ellipse 40FD
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11-15-2014, 03:05 PM
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#4
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Registered User
Join Date: Feb 2008
Posts: 3,607
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Agree with the above. Also, are you sure you don't have replacement cost coverage (it gets totaled you get a new rig) unless you want it? I found Progressive was really pushing that but unless you read the policy close you didn't even know you had it. On mine, when I dropped it my premium dropped by 50%.
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11-15-2014, 03:08 PM
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#5
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Senior Member
Winnebago Owners Club Workhorse Chassis Owner
Join Date: Aug 2007
Location: Sonoma County, CA
Posts: 6,401
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Try Hartford AARP, saved me 50% over Good Sam.
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Wayne & Roberta
08 Winnebago Destination 39W Gas UFO Workhorse Chassis......It's really weird being the same age as old people. I thought getting old would take much longer.
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11-15-2014, 03:25 PM
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#6
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Senior Member
Fleetwood Owners Club
Join Date: Jan 2013
Location: Milton, NY
Posts: 923
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Try Allstate. They beat every other comapny I called by hundreds.
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Steve & Beth - Milton, New York
2009 Monaco Diplomat 41 SKQ
2016 Ram 1500 Quad Cab 4x4
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11-15-2014, 05:35 PM
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#7
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Member
Join Date: Jun 2012
Posts: 37
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I agree with the insurance broker recommendation. Hi-Sage has served us well getting competitive quotes each year for us to review...I am very impressed with their customer service!
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2004 Holiday Rambler Endeavor
2012 Ford Fusion Hybrid Toad
Hometown: Corvallis, Oregon
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11-16-2014, 06:10 AM
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#8
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Senior Member
Join Date: Jul 2010
Location: Conway, SC
Posts: 2,557
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We've been with Progressive for a little over 4yrs., and the premium actually went down this past renewal. One of the things I like about them is for an additional $24 a year you can get a roadside assistance(towing) rider. I know of no other place you can get that for just $24 a year. We had to get a tow in 2012 while at Destruction Bay, Yukon Territory. Had no problem getting it done. Actually I asked for and got a trailer for the coach since I didn't want my coach towed over all the frost heaves. Had to be taken to White Horse, 180 miles away. I can't imagine what that cost, but I'm glad I didn't have to pay for it.
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2000 Dutch Star Pusher
2009 Saturn Vue Towed
Full timed for 6yrs.
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11-16-2014, 10:01 AM
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#9
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,713
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That's not an unusual experience among competitive companies. Shop around to see who has rates that best fit your personal profile (RV year/make/model, personal data, driving record, etc.). The company that is best for one person may be the worst for another, even though with seemingly similar RVs.
Make sure your rate comparisons are apples-to-apples, though. If you just let the agent pick what coverages he quotes, there are likely to be substantial differences based on that alone.
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Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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11-16-2014, 10:08 AM
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#10
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Senior Member
Freightliner Owners Club
Join Date: Jan 2012
Location: SE Michigan & Central Florida
Posts: 228
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I'm a new progressive customer and they beat the other 6 quotes I received both in price and quality and thoroughness of coverage.
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mvpmich
2012 Sportscoach Cross Country 385 DS Freightliner XCR w/ Cummins ISB 6.7L 340 hp
2009 Saturn Vue, Blue Ox Alpha, RVi Brake 2
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11-16-2014, 01:43 PM
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#11
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Senior Member
Tiffin Owners Club
Join Date: Aug 2011
Posts: 305
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We were Progressive customers for 3 years... Year 1 their rates were by far the lowest, year 2 we had a $400 rise, year 3 another $400 bump (no tickets or accidents)... We are now Geico customers.
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11-17-2014, 05:26 AM
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#12
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Senior Member
Join Date: Jul 2010
Location: Conway, SC
Posts: 2,557
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I'm a firm believer in shopping around. Every year near renewal time I'll check with other Ins. Co.'s, but I've not been able to find any that beat what I have now with Progressive. I'm not loyal to any of them. They certainly won't show loyalty to me. It's ALL a bottom line issue.
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2000 Dutch Star Pusher
2009 Saturn Vue Towed
Full timed for 6yrs.
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11-17-2014, 12:34 PM
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#13
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Senior Member/RVM #90
Monaco Owners Club
Join Date: Nov 2002
Location: Columbus, MS
Posts: 54,794
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We've been using an independent insurance agent for several years. He shops for the best quote for us. I have checked with GS, Progressive, and others, and they are always higher than the rates he gives me!
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Joe & Annette
Sometimes I sits and thinks, sometimes I just sits.....
2002 Monaco Windsor 40PBT, 2013 Honda CRV AWD
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11-17-2014, 05:30 PM
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#14
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Junior Member
Join Date: Nov 2014
Posts: 11
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Flyer, I have Blue Sky and its a five star rated insurance company. Look online for there web site
My Ins is about half of what I could find here in Florida
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