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Old 10-15-2021, 05:01 PM   #1
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Join Date: May 2018
Posts: 256
The Insurance Game

Last year my new policy with Safeco (through Good Sam) was $927, got the renewal statement today, $1,220, more than a 30% increase. No claims or accidents, no tickets, stored indoors and only driven 4,000 miles last year. Called to ask if it was correct, yes it was, OK thank you. Called Good Sam and this time they put me with National General for $868/yr, same coverage. I haven't had to play this game since I quit Farmer's many years ago on our cars for the same reason.
They also try and get you to agree to automatic renewal on your credit card so they can sneak the rate increase by easier.
It seems that customer retention would be cheaper in the long run than this constant musical chairs game. Rant over.
Brian, 2011 Winnebago Via Class A on Sprinter Chassis
Tucson, AZ
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Old 10-15-2021, 05:10 PM   #2
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National RV Owners Club
Join Date: Sep 2019
Location: Sunrise Beach MO
Posts: 66
I have had Safeco now for 2 years through my business relationship.
I pay a ton for insurance. They better not screw me over but am waiting for that day. I pay them like 6 grand a year for many other things, so the motorhome is just a small piece of the puzzle.
I better check and see.....
Our girl "Suite Melody" or "Mel" a 2003 National RV Tradewinds 7391 LTC
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Old 10-23-2021, 09:41 PM   #3
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Freightliner Owners Club
Join Date: Nov 2010
Location: Texas
Posts: 3,829
Every year you gotta pay their game by looking up cheaper insurance after rate increases the second year.
Never allow automatic 2nd year payment renewals, unless they give a big discount. Then cancel it when the 2nd year goes up.
I've dropped all comp/collusion even on my $200k DP. I'm saving thousands a year. Put it in savings for a rainy day. Over $50k now. My money!
Full Timers.
2015 Fleetwood Discovery 40E on a Freightliner XCS chassis with a Cummins ISL9 pulling 1 and/or 2 motorcycles, '07 Honda Accord OR a 17' Runabout Boat.
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Old 10-23-2021, 10:11 PM   #4
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Posts: 166
When i got my new rig I got a quote for RI and Florida. The Florida quote was $2100 and the RI quote was $1100. Amazing what a few miles distance does for insurance.
2012 32 Tiffin Breeze
2007 29 Winnebago Aspect (Sold)
1983 35 Bluebird Wanderlodge (Sold)
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Old 10-24-2021, 07:03 AM   #5
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Location: Houston, Texas
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I realize things will likely change in the upward direction for me, but my Progressive premium actually dropped after the first year (August). I suspect they are priming me for an increase next year. "Hey, when we increase his policy, he will recall there was a drop last year so he won't mind the increase. Then he'll forget about it....." Nope, I'm watching.
Tommy & Franci - Houston (Clear Lake), TX
2019 Allegro Red 340 33AL
2020 Jeep GC Limited-Blue Ox Avail-M&G Braking
Part Timers-Looking Fwd to being Anytimers
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Old 10-24-2021, 10:40 AM   #6
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Safeco pulled that on me after two years. Told them adios and found coverage elsewhere. Seems to be their business model, hoping people are too lazy to shop.

Amateur Radio Operator (KE5DFR)|Full-Time! - 2012 6.7L Ford Crew Cab Dually -2013 HitchHiker Champagne 38RLRSB - Travel with one Standard Schnauzer and one small Timneh African Gray Parrot
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Old 10-24-2021, 10:49 AM   #7
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Join Date: Apr 2021
Location: Reche Canyon, CA
Posts: 196
I would strongly suggest checking out Costco Connect. I was with AAA for 25 years and called to just inquire, 10 minutes later all my cars except my 1970 Corvette were insured
2021 GMC Denali diesel ($82k truck is $950)
2017 Mini cooper
2006 Jeep Commander
2013 Mercedes S class
2002 Alpine 38ft ($168 a year)

all full coverage $250 deduct except Mercedes and Moho $1000 100/300k

$2400ish AAA with just 4 cars was $4600
Bruce and Doreen
2002 Alpine 38 FDDS 400
2006 Jeep Commander Hemi
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game, insurance

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