Community Forums

Ron & Dee · 06-24-2010, 10:04 AM

Quote:

Originally Posted by Gotta_P

Wow, who did you go with?

We went with National Interstate that was recommended by one of the members.

MH was reduced by $533.00, car by $907.00, and the roadservice was up for renewal, and now I have even better service than I had before.

Ron

JC2 · 08-15-2010, 05:30 PM

We just got back from the IRV2 National Rally and while crossing Wyoming & Nebraska on I-80, we were repeatedly buffered by 18 wheeler trucks. Just before exiting at Ogallala, Neb, another 18er passed up at which time I saw the rear window of the bedroom on the drivers side fly open. After stopping and examining the window, It had apparrently come loose from the medal cross member it was attached to. Filed our 1st comprehensive claim with Progressive Insurance for repair. In about 10 days they denied the claim staing it was a manufacturing defect. Filed a complaint with the Missouri Insurance Commission. I know who I won't be using as soon as I get some quotes.

In regards to their diminishing deductibles every year, they increase the premium to cover reducing your deductible. What a joke.

footdoc · 08-15-2010, 05:46 PM

sounds to me like it IS a mfg defect!!

JC2 · 08-16-2010, 12:37 PM

Quote:

Originally Posted by footdoc

sounds to me like it IS a mfg defect!!

The coach is (5) yrs old so my question is at what point does it not become a manufacturing defect; 5,10,15,20 yrs? I believe the constant buffering of being passed by 18 wheelers possibly allowed wind to repeatedly get under the glass and cause it to separate from the metal support.

lostone65 · 08-16-2010, 08:51 PM

had progressive now for 2 years.last year we bought a 2008 monaco diplomat and they went up to 1110.00 for the year. my bill came early august and they jumped up to 2080.00. i called gilbert rv insurance and they quoted me 840.00 for the very same coverage. goodbye to progressive.

footdoc · 08-17-2010, 05:55 AM

It's nice to be in that position but not all states/counties have that luxury....south Alabama for example....very limited insurers to choose from...including homeowners..The companies bail out when ever the going gets tough..I've had Allstate homeowners for years along with my autos. This year Allstate has dropped WIND coverage completely...so I was lucky enough to find another that included it, even at a higher premium and was glad to get it..so no more Allstate for me...if my autos are good enough for my money and my house isn't, then they are both with my new carrier...State Farm..

777Rich · 08-17-2010, 09:37 AM

I also "HAD" Progressive Insurance for the past 8 years, than as you found out they jumped up the cost this year about 25%. I called their 800 number and was told they just had a general increase in rates.

Found several other insurance agency were about 50% cheaper then Progressive, so I now have another insurance company.

It does pay to compare.

ArmyRetired · 08-17-2010, 11:51 PM

I am rather surprised that so many folks have had price increases with their Progressive insurance. We have had their coverage for the past 4 years. Ours has actually dropped in price the last 3 years in a row. It was just renewed again in July and it went down again nearly 15 %.
The only thing that I can think of that might have anything to do with this is that we are in such an unpopulated rural area that it just keeps going down.

Heck - at this rate in just a few more years they will be paying me an annual dividend.

Larry

ParkyJordan · 08-18-2010, 02:52 AM

Quote:

Originally Posted by ArmyRetired

I am rather surprised that so many folks have had price increases with their Progressive insurance. We have had their coverage for the past 4 years. Ours has actually dropped in price the last 3 years in a row. It was just renewed again in July and it went down again nearly 15 %.
The only thing that I can think of that might have anything to do with this is that we are in such an unpopulated rural area that it just keeps going down.

Heck - at this rate in just a few more years they will be paying me an annual dividend.

Larry

thats good that your insurance is going down, must be where you are and the fact your a safe driver

JMonroe · 08-18-2010, 09:05 AM

Quote:

Originally Posted by JC2

The coach is (5) yrs old so my question is at what point does it not become a manufacturing defect; 5,10,15,20 yrs? I believe the constant buffering of being passed by 18 wheelers possibly allowed wind to repeatedly get under the glass and cause it to separate from the metal support.

In which case i'ts mechanical failure or fatique. Insurance covers the "sudden" and accidental loss to your property, it does not cover failures of design or due to age.

That said, I've fequently heard that the "on-line" insurers will entice new business with an artificially low rate, only to continuously increase the premium over time, hoping you won't notice. Kind of the "how do you boil a frog" concept.

ArmyRetired · 08-19-2010, 01:45 AM

Quote:

Originally Posted by ParkyJordan

thats good that your insurance is going down, must be where you are and the fact your a safe driver

I would imagine that you are somewhat correct about the primary basis for the reductions are because of the remote location that we live in. Plus I am hoping that it may also be partially attributed to may cautious driving.

We did in fact have a very ugly incident during our first year of coverage. Do to my own foolishness I had an accident as I back the RV up from a parked location. I was off work that Friday and had gone in to work for a 30 minute meeting and was then meeting my wife and we were going out to a nearby lake to fish and spend the night. I was parked right alongside of a row of those little 3 foot high roadside markers that are actually made out of wooden telephone poles. Another vehicle had pulled in front of the RV. So when I backed up several feet to have sufficient space to clear the vehicle in front of me, I did not realize it but I must have turned the steering wheel further than I should have because I heard a fairly significant noise in the rear area of the RV. I got out to look and I had completely backed over the top of one of those little devils. It really did a lot of damage to the fiberglass panel across the back of the RV and it had totally crushed the right real storage compartment. I might attempt to post a picture of the ugly mess that I had caused. This happened on Fort Leavenworth where I was employed. I was an Army civilian employee and was the supervisor of the warehouse where this happened. To make matters even worse was the fact that about 10 years prior to this accident, we had a big construction project along the area where this happened and I had put on a big plea for additional funding so that we could have those 75 or so little posts installed all along that roadway. My solicitation worked and we were granted the funding so that we could also have those posts installed. They were all painted white with a black stripe around them and some reflectorized tape was also installed so that they could be seen at night. Well I had serious egg on my face. Had to call the Military Police and report the accident and they came in force as if we had suffered a nuclear attack. By this time most all of my 35 employees plus lots of other folks were all on the scene and everyone was giving me a hard time about my driving talents. I had to do some serious talking to convince the military police that I should not be cited for careless driving.
Called the Progressive folks and reported the accident and they made all the arrangements for me to take the RV a few days later to a repair shop that specialized in fiberglass repair on RV's and all sorts of boats. Well that accident damage amounted to a total of $7200. and it cost me my $1,000. deductible.

This happened in March just before or insurance policy was renewed in July. So I was really expecting to see a radical increase in our rates for the following year as a result of this costly accident. To my shock and amazement the cost only increased about $200. for the following year as a result. Then the following July it dropped back to the original amount and has dropped 3 times since then.

This one last picture of the lone post was the one that I hit and if you look closely at the top portion you can see a piece of fiberglass that was imbedded into the post. It is still there today. That is one tough little post and it didn't budge when I went over the top of it.
Larry

danes-on-tour · 08-19-2010, 02:04 AM

Hi ArmyRetired

You have our sympathy. One thing is to have an accident like yours - that could happen to all of us I am sure, but another thing is to have it in front of all your colleagues. I bet they will bring this up at any given occasion in years to come.

As for your insurance price increase (or lack of as the case may be) I am pleased for you. However, it makes me wonder how we can have a 25% increase 2 years running when we have never filed a claim, had an accident or any kind of "run in" with the law. How do Progressive work this out when they accept that we are classified as "safe drivers"?

We will probably never find out or even begin to understand why.

ArmyRetired · 08-19-2010, 10:02 AM

Oh yes. I am reminded of this quite often. I actually retired from that position about 2 months after that accident. The retirement ceremony and the gathering that followed were riddled with all sorts of funny little stories about the incident and lots of fairwell momentos. The Garrison Commander presented me with a cute miniaturized little key chain attachment which they had had made that was a tiny little replica of that little telephone post. He thought that by having it attached to my keys it might remind me of that ordeal everytime that I touched those ignition keys.
Since my retirement they still tease me real frequently about the accident. It has always been done in a nice and respectful manner, but is still quite humorous.

I am like you in regards to trying to understand how in the world the insurance companys do some of the things that they do. Their actions and positions often make no sense at all.