Insurance

[ale]

Hi everyone,
We are new…..sorry for very poor english, we are swiss(italian spoke). We own a discovery 40G, registered in Montana. We’re looking for a better insurance: any suggestions(low rates,…)
Thank you.
Alessio & Domizia

[hohenwald48]

Unfortunately, insurance is always going to be unique to each individuals situation. The only way to find something better (usually meaning cheaper) is to get on the phone and start getting quotes from other companies.

National General thru the Good Sam Insurance Agency usually has pretty good pricing. All companies will generally increase your premium each year so you will likely have to go thru the shopping process every few years regardless.

Sent from my SM-S127DL using iRV2 - RV Forum mobile app

[SteveJ.]

Originally Posted by ale

Hi everyone,
We are new…..sorry for very poor english, we are swiss(italian spoke). We own a discovery 40G, registered in Montana. We’re looking for a better insurance: any suggestions(low rates,…)
Thank you.
Alessio & Domizia

I think your English is pretty darn good.

What Hohenwald said.

[Gary RVRoamer]

Your English is fine.


Does "better" mean less cost or more coverage against losses? If lower cost (rates), you need to apply for rate quotes from as many insurers as you can and compare. There is no one insurer that is always lower in cost for all RV owners.


If you are Swiss citizens and only visitors to the USA when you use the Discovery, your problem is a lack of a US driving record and permanent address. Some insurers won't insure you at all, and most others will place you in a high rate category simply because you don't fit in any of their more usual rate tiers.

[sandan100]

Question. I have had National General for years. My rate is now $1000 dollars more than a recent Progressive quote from Armed Forces Insurance. Am I doing something wrong?

[tmw188]

Doubt it but I think we will all get hit bad soon.

[Crasher]

Originally Posted by sandan100

Question. I have had National General for years. My rate is now $1000 dollars more than a recent Progressive quote from Armed Forces Insurance. Am I doing something wrong?

Not at all. It's the same strategy many companies use. When the rate goes up for no apparent reason, check other company rates. When Allied wanted to raise my premium from $1600 up to @2,000, I went to Geico for a rate of $945 for the same coverage. After 2 1/2 years and two $3,000 windshields, they raised the rate to $980. Most, but not all, companies will bump rates if they can.

Edit: Both windshields had a $500 deductible. However, the company never billed me either one.

[777 Driver]

You might try contacting Ron Jarvie. He's an insurance broker who will solicit insurance estimates from several companies and provide those estimates to you.

Here's his contact info:

Ronald L. Jarvie

Certified Insurance Counselor

Overland Insurance Services

Phone: 480-994-9584 or 800-677-4027

Fax: 480-994-0448 or 800-468-1158

website: Motorhome Insurance Agencies | Overland Insurance Services

email: agency@rvins.com

Take care,
Stu

[Gary RVRoamer]

Insurance costs (and thus rates) have been increasing dramatically as a result of factors you & I have no control over, e.g. lawsuits, repair shop labor rates, inflation, etc. Plus insurers are continually re-evaluating their rate structure and adjusting categories, so at renewal time you may find you have been sifted into a different category with a higher rate, simply because of your demographics. And then there is the rate progression that Crasher described.


You need to shop around to find an insurer whose current rate structure fits you best. Plus many companies a low introductory rate to attract new customers (but they will raise it over time).

[twogypsies]

Back to the OP's question......

Try calling Miller Insurance Co. for Montana LLC insurance. They know all about RVs.

Home | Miller RV Insurance

[Ghost]

I'm ready to pull the trigger on a 2010 Winnebago Tour 42AD.

I have Lazy Days down to $130,811.00 out the door.

I have an auto policy with Progressive.

They are quoting me ~$9,000.00 a year?

Holy algorithm glitch Batman!

Is this consistent with the rest of ya'll with a similar rig that's financed?

Loosing my mind...

Kent

[777 Driver]

Originally Posted by Ghost

I have an auto policy with Progressive.

They are quoting me ~$9,000.00 a year?

Is this consistent with the rest of ya'll with a similar rig that's financed?

Hi Kent,

Thanks for your service.

That quote is more than double what I'm paying for a 2018 Entegra Anthem.

There are a number of things that can effect a policy premium: driving record, claim history, location where the coach is principally garaged, credit rating, etc.

Over the years, I've seen significantly different premiums quoted by different carriers. There are a couple of posts earlier in this thread that offer contact info for insurance brokers. You might try contacting one of them to help you find a more reasonable premium.

Take care,
Stu

[Crasher]

Originally Posted by Ghost

I'm ready to pull the trigger on a 2010 Winnebago Tour 42AD.

I have Lazy Days down to $130,811.00 out the door.

I have an auto policy with Progressive.

They are quoting me ~$9,000.00 a year?

Holy algorithm glitch Batman!

Is this consistent with the rest of ya'll with a similar rig that's financed?

Loosing my mind...

Kent

You need to keep looking. Progressive is trying to give you the shaft big time. That sounds like a premium for a high dollar new coach. We dropped Progressive over 10 years ago because of unwarranted premium increases. We sold our 2013 Allegro Bus last August, but the two previous years we insured it with Geico for book value plus 10% and $1,000 deductible. The last six month premium was $485. They covered two $3,000 windshields in that time and waived the deductible. We have Geico on all other vehicles for similar savings.

[Gary RVRoamer]

Originally Posted by Ghost

I'm ready to pull the trigger on a 2010 Winnebago Tour 42AD.

I have Lazy Days down to $130,811.00 out the door.

I have an auto policy with Progressive.

They are quoting me ~$9,000.00 a year?

Holy algorithm glitch Batman!

Is this consistent with the rest of ya'll with a similar rig that's financed?

Loosing my mind...

Kent

That sounds awful steep to me, but you have to shop around. There are too many factors in play and you probably don't fit well with Progressive's RV policy profile. If you are buying from Lazy Days, ask their F&I dept for a quote - they can usually come up with a competitive offer. Miller RV Insurance Agency is another good source for finding RV coverage. Make sure you know what you want in terms of liability amounts, deductibles, FMV vs purchase price, etc. and get apples-to-apples quotes.