Insurance

[zigzaginaway]

Well, I just took the plunge and bought a Class A Winnebago. I am looking into getting insurance and an extended warranties. Any advise would be appreciated.

Thanks,

[momdoc]

Welcome to the forum. What year is your Winnie. IF new and under warranty I would not think about extended warranty yet. AS to insurance we use National General through Good Sam. Also there is a difference (coverage and cost) between recreational use and Full Timing.


You are joining a good group of friends here with good information to share. Read the various threads here and ask questions as they come up or add information if you can.

Good luck and enjoy the adventure!

[JayManges]

Recently switched to Progressive. Saved about 40% and got much better coverage. I couldn't believe it considering what they spend on advertising.

[Warhorse6]

My experience with two separate class As was progressive was the cheapest the first year. After that it spiked the second year. Will not go back again. With National General now and have found them very competitive. So far have gone down the second and third years, but have no claims. Guess rates also depends upon where you live and the coverages you choose. Have no experience with extended warranty and would not buy one. Prefer to put that money aside. Best on whatever choices you make.

[twogypsies]

I'd vote "No" on extended warranties. Just put the money in a seaparate account and don't touch it until needed.

Insurance will vary with every single person. What you need to do is to contact about 4-6 companies and ask for a bid on the exact same coverage.

Insurance is based on many factors: where you live, your driving record, your age, accidents and many others. What one person's experience is will not be the same for you.

Good luck and enjoy that new RV!

[Gary RVRoamer]

Agree strongly with Two Gypsies. You have to do your own comparison shopping because rates will differ by large amounts depending on your specific situation. And you have to study a bit to determine what coverages are right for you, e.g. liability limits, collision & comp deductibles, personal property amount, etc.

[Dutch Star Don]

Over the years, I've tried to keep all my vehicles insured with the same company, including our house. Our coach is stored on our property. If something happens at home or on the road while towing our truck, there is only one company to deal with if there is a question as to who is responsible for repairs.

When we bought our first DP in 2005, AAA our insurance carrier did not insure large RV's. We went with Progressive that was the best for a about three years and then jumped in price. When I checked, again, AAA was now insuring large RV's. We've been with them ever since.

I bought my first extended warranty on that same 2005 DP. If I didn't use the four-year warranty, they would refund a portion. In year three the recession hit, and they went out of business. I think this is VERY important to keep in mind in this day and age.

I do all my own work on the RV and skipped buying another warranty until 2019 when we bought our current Dutch Star. Freightliner offered an extended warranty, through Freightliner, by Freightliner, that extended the warranty on the drive train from 3 years to 5 years for $1800.00. I also bought a new Ford truck a year later and again bought a warranty through Ford, by Ford, that was customizable. I extended the 3 years to 6 years for $800.00.

If you're looking to buy a bumper to bumper warranty for the chassis and the house, you have to ask yourself.....are you capable of doing any of your own repairs? If the answer is no, you may want to get a warranty. If you're pretty handy, you may want to just bank the money.

[zigzaginaway]

I appreciate the information. The Winnebago is a Adventurer 2022 36Z. I am picking up Memorial Day weekend in Florida and driving back to New Jersey.

I got a Good Sam quote for insurance, policy is through progressive. Working on a couple more quotes.

I've been debating the extended warranty question - not to handy but willing to learn. I have two quotes and I'm sure when I pick up the RV they will want to sell me one.

I can't wait to hit road this summer. I retire July 1st!

[Ray,IN]

I would not buy another ESC until the factory warranty expires. We did buy an extended service contract through Good Sam and were quite satisfied with the results.
Keep in mind, if the contract terms are not complied with exactly, a claim may be denied. It is a contract after all.
If you decide to buy one, make sure you include the gaskets and seals rider; otherwise if an engine gasket fails, causing oil to leak out and ruin the engine, that claim is denied because the engine damage is consequential damage from the failed gasket or seal.


We have Progressive Ins. April 3 I smashed the front fiberglass cap, Progressive comprehensive deductible is $375 for our policy on a $13,000 estimate. Annual full-coverage premium is $700/yr. for our MH.

[Crasher]

In my opinion, which is worth just what it's costing you, it does not make any logical sense to purchase an ESC while the factory warrantee is in effect. After that, I still think it is a poor investment. Keep in mind the only 10-15% of ESC (it's and Extended Service Contract and NOT a warrantee) get back the cost of the contract. That's a pretty poor ROR on investment. More people are much better off setting aside the contract cost for future needs. 85% of the time they will have money left in the fund when the term is over. It's your choice.

As for insurance, we have been with Progressive, Foremost, Allied and others. They all had a good introductory rate, but they all jacked the cost up in a year or two. I have been with Geico two years and no rate increase after two $3,000 replacement windshields. Their rate was less than half of what Allied wanted for a renewal and still is. It was also zero deductible. Great service too.

[MSHappyCampers]

Congrats on the new rig! I get the best insurance prices from a local independent insurance agency. I'm not a fan of extended warranties. Those companies leave themselves too many loopholes to get out of paying your claims! I would take that same amount of money and put it in a special bank account to be used only for repairs. I'm betting you will come out waaay ahead! JMHO

[Isaac-1]

Like the others said, you really have to shop insurance for yourself, for me I started with State Farm since my daily driver car insurance was through them and I did not have time to shop around when I found the right used coach, then shopped it the next year. I ended up switching to Allstate, as they were about $400 per year less than State Farm, and about $800 less than Progressive for roughly the same coverage.

[High Road Travelers]

When we bought a new MH we got the extended warranty. I don't do any major repairs myself and felt more comfortable getting the warranty. That may not be the wisest thing to do though. Someone said wait until your normal warranty is up, then buy the extended if you want, and that makes a lot of sense.
I've heard a lot of good things about Progressive Insurance having good coverage on their policies and treating customers well on claims filed. I have Progressive myself, and if was the most affordable where I live and I liked their reputation. If it goes up I may still keep it; I don't always go with the cheapest, but that's just my thinking on it. I have not had to file a claim yet.
Thanks,

[Winemaker2]

Do you routinely purchase extended warranties on cars and appliances?
If so you value some peace if mind over the economics... then by all means go for it. I choose high deductibles and OEM warranties and have always maintained an emergency fund to self insure. I have had to pay a couple sizeable repairs but believe I am well ahead of break-even $$.