Journey with Confidence RV GPS App RV Trip Planner RV LIFE Campground Reviews RV Maintenance Take a Speed Test Free 7 Day Trial ×
RV Trip Planning Discussions

Go Back   iRV2 Forums > iRV2.com COMMUNITY FORUMS > iRV2.com General Discussion
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 05-09-2020, 05:46 PM   #15
Btm
Junior Member
 
Join Date: Oct 2019
Location: Texas
Posts: 24
I have Safeco Insurance that ends this July. Deductable is $500.00

2014 Silverado $1006.00
2014 Jeep Unlimitd $$920.30
2019 GT5 Georgetown $1738.50 (agreed value $115000.00)

I am shopping for lower MH cost

Btm
__________________
Btm
2019 GT5 31L5
2014 Wrangler Unlimited
Btm 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 05-09-2020, 11:44 PM   #16
Senior Member
 
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 20,706
Quote:
Originally Posted by Btm View Post
I have Safeco Insurance that ends this July. Deductable is $500.00

2014 Silverado $1006.00
2014 Jeep Unlimitd $$920.30
2019 GT5 Georgetown $1738.50 (agreed value $115000.00)

I am shopping for lower MH cost

Btm
Wow! That's very expensive for all. Of course, insurance depends on many things... age, tickets, credit score, accidents, where you live, and much more. No two policies will ever be the same for the next person. Good luck shopping!
__________________
Full-timed for 16 Years . . .
Traveled 8 yr in a 2004 Newmar Dutch Star 40' Diesel
& 8 yr in a 33' Travel Supreme 5th wheel
twogypsies is offline   Reply With Quote
Old 05-10-2020, 01:55 AM   #17
Senior Member
 
Join Date: Dec 2017
Location: Sacramento, California
Posts: 1,402
Be careful as you get what you pay for! AAA has been my coverage for years. When something happened they stepped up. I tried progressive for my boat and got hosed at claim time.
Bahamaniac is offline   Reply With Quote
Old 05-10-2020, 07:29 AM   #18
Btm
Junior Member
 
Join Date: Oct 2019
Location: Texas
Posts: 24
Quote:
Originally Posted by twogypsies View Post
Wow! That's very expensive for all. Of course, insurance depends on many things... age, tickets, credit score, accidents, where you live, and much more. No two policies will ever be the same for the next person. Good luck shopping!

I agree it is expensive. The first year cost for MH was $1450. My insurance is for Texas. It's been many years since I've had a ticket or accident and credit score is in high 8's.

I put what I PAY for insurance in this thread, hoping others would list their cost. In this thread only one person stated their cost. (same ins. co. as mine) and the OP's $ 3100 quote.

If you ask a technical question or cost on this and other forums, you will get details down to the thread count and penny cost on almost everything except insurance. Looking at this and other threads, very few will post exactly what they are paying for insurance. I know that many things determine insurance cost, but what others pay would help you get an idea of price range.

I am embarrassed at the high prices I pay, but don't know if it is that bad because seeing post with only % up or down or maybe some dollar amount increase, gives no cost amount to compare against.

Btm
__________________
Btm
2019 GT5 31L5
2014 Wrangler Unlimited
Btm is offline   Reply With Quote
Old 05-10-2020, 08:39 AM   #19
Senior Member
 
wingnut60's Avatar
 
Join Date: Aug 2004
Location: Wherever we are
Posts: 4,318
The RV insurance situation is above my patience to shop--shop--shop. Getting a firm quote is not easy, then comes the "Full-Timer" add-on. Miller Ins was easiest to work with, but not cheap in TX. Marlene was delightful to talk with and got it done. Can't quote $$ right now, working away from the coach for a month, but had replacement cost at first, the went to agreed value amount.
A lot of the online quote sites seem to just want to get your phone number and email address...then the bombardment starts.
__________________
'16 40QBH Phaeton
'21 Sahara HA toad
'15 38RSSA Mobile Suites--traded
'05 36TK3 Mobile Suites--retired but not forgotten
wingnut60 is offline   Reply With Quote
Old 05-10-2020, 09:20 AM   #20
Senior Member
 
Join Date: Jan 2009
Posts: 6,005
Quote:
Originally Posted by Btm View Post
I agree it is expensive. The first year cost for MH was $1450. My insurance is for Texas. It's been many years since I've had a ticket or accident and credit score is in high 8's.

I put what I PAY for insurance in this thread, hoping others would list their cost. In this thread only one person stated their cost. (same ins. co. as mine) and the OP's $ 3100 quote.

If you ask a technical question or cost on this and other forums, you will get details down to the thread count and penny cost on almost everything except insurance. Looking at this and other threads, very few will post exactly what they are paying for insurance. I know that many things determine insurance cost, but what others pay would help you get an idea of price range.

I am embarrassed at the high prices I pay, but don't know if it is that bad because seeing post with only % up or down or maybe some dollar amount increase, gives no cost amount to compare against.

Btm
There are several factors that go into insurance premium calculation so like, twogypsies mentioned, you rarely see two premiums the same. The costs for my family, just my Wife and I driving at this moment, are a follows. We are in Texas and keep the coverages going non stop. Liability limits on all are 100/300/50.
  • Motorhome: 2003 Itasca, not fulltiming, comp/coll/liability, ACV, $1000 deductible,, $502 a year.
  • Four automobiles: Comp/coll/liability/ACV, $1000 deductible on one vehicle, other three vehicles have liability only,, $1260 a year.

I usually shop every renewal but will admit that it's getting harder to find lower premiums for the same coverages. I don't use an agent or broker, I do everything online through well known companies.
__________________
03 Itasca Sunova, Workhorse P32 with the 8.1 and 4L85-E
Mudfrog is offline   Reply With Quote
Old 05-10-2020, 05:30 PM   #21
Senior Member
 
Join Date: Aug 2012
Posts: 1,445
Quote:
Originally Posted by twogypsies View Post
Here's the contact page for Miller Insurance Co. We used them for 16 years of full-timing and they always came through with a good deal for us. Pleasant people. Never a problem reaching them.

They're in Oregon so don't know the COVID-19 rules there of staying open. Perhaps they're closed at this time.
I doubt it. The last time I tried to use them several years ago, it was obvious from the sounds in the background that she was at home.
oatmeal is offline   Reply With Quote
Old 05-10-2020, 06:54 PM   #22
Junior Member
 
Join Date: Jan 2020
Posts: 11
Was paying over 3K with Progressive on our 2016 DutchStar. Last year we changed to State Farm and saved $1,200 but the value in case of a total loss is Actual Cash Value rather than replacing with a new current year same model for 1st 5 years and actual invoice amount for years 6 - 10. $1,950 vs $3,150 was enough to make me switch.
Jcprice4 is offline   Reply With Quote
Old 05-13-2020, 12:00 PM   #23
Member
 
Join Date: Jul 2018
Posts: 72
I just signed a new policy that I found with the help of Miller Insurance. You guys were of great help. Thank you very much!
It safes us about 60% in the next 12 months.
PeterE is offline   Reply With Quote
Reply

Tags
advice, 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
Asking for Advice DC0046 Class A Motorhome Discussions 3 07-23-2017 09:18 AM
Asking for Advice DC0046 Winnebago Industries Owner's Forum 1 07-22-2017 11:15 PM
Asking for Advice Lexi2007 Forest River Owners Forum 9 11-03-2014 04:13 PM
Asking for some yellowstone recommedations Max Freedom Camping Locations, Plans & Trip Reports 2 05-22-2013 09:25 PM
Asking Advice on New TT Purchase Traveler Ann Travel Trailer Discussion 1 11-28-2010 08:16 AM

» Featured Campgrounds

Reviews provided by


All times are GMT -6. The time now is 03:07 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2025, vBulletin Solutions, Inc.