Free 7 Day Trial RV GPS App RV Trip Planner Campground Reviews RV Maintenance 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 11-05-2020, 03:45 PM   #1
Senior Member
 
boomersooner's Avatar
 
Join Date: Jan 2017
Location: Augusta Georgia
Posts: 566
Insurance Renewal

I have seen many posts about people renewing their insurance and the rates increase significantly. I bought a 2020 Tiffin Allegro RED 37BA last December and got many quotes, went with Progressive (through USAA) for $1,479 annually. This morning received an email from Progressive with my renewal notice and the rate went down to $1,438 (both prices are paid in full one time payments). I was very pleased that my insurance actually went down (no claims except a minor glass claim which Safelite was able to put resin in to fill the quarter sized chip) after reading many posts that the second (or subsequent) year rates had increased.
__________________
Bob (retired Army) & Brenda (Veteran Army Nurse)
2020 Tiffin Allegro Red 37BA
2020 Ford F150 XLT 4x4 Air Force 1 braking system
boomersooner is online now   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 11-05-2020, 04:16 PM   #2
Member
 
Yonder's Avatar
 
Winnebago Owners Club
Freightliner Owners Club
Join Date: Feb 2018
Posts: 78
Is there a question here or is this merely sharing information.
Yonder is offline   Reply With Quote
Old 11-05-2020, 04:32 PM   #3
Senior Member
 
boomersooner's Avatar
 
Join Date: Jan 2017
Location: Augusta Georgia
Posts: 566
Sharing.
__________________
Bob (retired Army) & Brenda (Veteran Army Nurse)
2020 Tiffin Allegro Red 37BA
2020 Ford F150 XLT 4x4 Air Force 1 braking system
boomersooner is online now   Reply With Quote
Old 11-05-2020, 04:54 PM   #4
Senior Member
 
Join Date: Jul 2017
Location: Central Coast of Oregon
Posts: 201
Our policies for our cars and separate RV policy went down at renewal this year also. Our renewal was in July.



The rates went down because costs went down for insurance companies as people did not drive as much this year because of Covid. Plus, I also received a small refund check from the insurance co. back in May.


No complaints on my end.
ClassAboater is offline   Reply With Quote
Old 11-05-2020, 10:32 PM   #5
"Formerly Diplomat Don"
 
Dutch Star Don's Avatar
 
Newmar Owners Club
Join Date: Apr 2005
Location: Moorpark, Ca.
Posts: 17,798
For us, it took four years before Progressive went to an outrageous rate, almost double what we were paying. No accidents or changes in our credit score in the interim. We were seeing others experience the same thing......huge increase at the five year mark.

With that said, EVERY person's experience is different, by state, driving record, credit score, etc. When we got the Progressive increase we checked around and found, FOR US, AAA in California was a better deal than the original Progressive deal. At the time we went with Progressive, we had just bought our first new diesel pusher and AAA was not insuring diesel pushers, even though we had our cars with them. Now, there prices have been the best, FOR US, even after I check around.

So the moral of the story.....always shop around and never believe that you owe an insurance company any kind of alliance, as they will never show alliance to you....they're just a business.
__________________
Don & Mary
2019 Newmar Dutch Star 4018 (Freightliner)
2019 Ford Raptor
Dutch Star Don is online now   Reply With Quote
Old 11-06-2020, 05:23 AM   #6
Senior Member
 
boomersooner's Avatar
 
Join Date: Jan 2017
Location: Augusta Georgia
Posts: 566
Quote:
Originally Posted by Dutch Star Don View Post
For us, it took four years before Progressive went to an outrageous rate, almost double what we were paying. No accidents or changes in our credit score in the interim. We were seeing others experience the same thing......huge increase at the five year mark.

With that said, EVERY person's experience is different, by state, driving record, credit score, etc. When we got the Progressive increase we checked around and found, FOR US, AAA in California was a better deal than the original Progressive deal. At the time we went with Progressive, we had just bought our first new diesel pusher and AAA was not insuring diesel pushers, even though we had our cars with them. Now, there prices have been the best, FOR US, even after I check around.

So the moral of the story.....always shop around and never believe that you owe an insurance company any kind of alliance, as they will never show alliance to you....they're just a business.
Agree on the shopping around. I did that last year when we first purchased and Progressive (through USAA) was the best by about $100. I was expecting the price to increase, and surprised when it did not. I knew the renewal was coming up very soon and was prepared to do my "shopping" but when the quote came back lower I went ahead and just renewed.
__________________
Bob (retired Army) & Brenda (Veteran Army Nurse)
2020 Tiffin Allegro Red 37BA
2020 Ford F150 XLT 4x4 Air Force 1 braking system
boomersooner is online now   Reply With Quote
Old 11-06-2020, 06:34 AM   #7
Senior Member
 
Join Date: May 2005
Location: Carlos, Texas
Posts: 1,600
I dumped Progressive a long time ago. A gravel truck in front of us opened its tailgate and thousands of rocks came out. Progressive tried to say each separate rock was a different collision and a deductible will apply to each one. There were hundreds. That took a lot of arguing for them to finally fix it like they were supposed to. Then they raised the rates $3000, so I called them and told them to put them back or I was going to cancel. The guy I talked to told me I couldn't cancel so I told him watch this, and canceled it. Been with Gieco ever since and they've been fine.
charliez is offline   Reply With Quote
Old 11-06-2020, 03:55 PM   #8
Senior Member
 
scenic route's Avatar
 
Join Date: Jan 2010
Posts: 2,183
I recently read an article that suggested that more and more insurance companies are penalizing customers with higher prices due to customer loyalty...it's called "Price Optimization". This practice is an analytical technique consumer groups say allow carriers to identify customers least likely to comparison shop and charge them more for the same policies.

Last month, our insurance for both cars and RV got bumped up by $250(6 mo. policies) with no changes in policy stats. We were able to get the RV insured yearly and 6 month policies for the cars and saved just shy of $600.00 a year...this was from GEICO to Progressive.

Pays to shop...
__________________
Jan and Bob

'05 Monaco Windsor 40 DST - ISL / '08 Wrangler
scenic route is online now   Reply With Quote
Old 11-06-2020, 04:56 PM   #9
Senior Member
 
traveler of california's Avatar
 
Freightliner Owners Club
Join Date: Jul 2001
Posts: 1,414
I was with USAA and got bumped to Progressive for a full timer policy. Any suggestions for comparison shopping?

Nick
__________________
Nick
Allegro Red 34QFA 2014
traveler of california is offline   Reply With Quote
Old 11-06-2020, 05:09 PM   #10
Senior Member
 
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 13,946
Quote:
Originally Posted by traveler of california View Post
I was with USAA and got bumped to Progressive for a full timer policy. Any suggestions for comparison shopping?

Nick
Miller Insurance is the place to go for full-timers. They're very experienced in that segment of population and will search for the best deal for you. Of course, once you find a reasonable rate you'll have to check every couple years for a better deal as they all increase after a time.

Home | Miller RV Insurance
__________________
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 11-06-2020, 05:27 PM   #11
Senior Member
 
traveler of california's Avatar
 
Freightliner Owners Club
Join Date: Jul 2001
Posts: 1,414
Thanks.
__________________
Nick
Allegro Red 34QFA 2014
traveler of california is offline   Reply With Quote
Old 11-06-2020, 07:19 PM   #12
Senior Member
 
Join Date: Feb 2015
Posts: 1,885
Quote:
Originally Posted by charliez View Post
I dumped Progressive a long time ago. A gravel truck in front of us opened its tailgate and thousands of rocks came out. Progressive tried to say each separate rock was a different collision and a deductible will apply to each one. There were hundreds. That took a lot of arguing for them to finally fix it like they were supposed to. Then they raised the rates $3000, so I called them and told them to put them back or I was going to cancel. The guy I talked to told me I couldn't cancel so I told him watch this, and canceled it. Been with Gieco ever since and they've been fine.
How many windows were they replacing, one or hundreds?

X2 for Geico
__________________
2015 Itasca Ellipse 42QD
2017 Jeep Wrangler Rubicon Hard Rock
2011 Harley Davidson CVO Street Glide
TXTiger is offline   Reply With Quote
Old 11-06-2020, 09:12 PM   #13
Senior Member
 
traveler of california's Avatar
 
Freightliner Owners Club
Join Date: Jul 2001
Posts: 1,414
Does Geico do full timers?
__________________
Nick
Allegro Red 34QFA 2014
traveler of california is offline   Reply With Quote
Old 11-06-2020, 10:54 PM   #14
Senior Member
 
scenic route's Avatar
 
Join Date: Jan 2010
Posts: 2,183
^^^Not sure, give 'em a call...1-877-434-2678 (RV specialist)
__________________
Jan and Bob

'05 Monaco Windsor 40 DST - ISL / '08 Wrangler
scenic route is online now   Reply With Quote
Reply

Tags
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
Kentucky License Renewal vs. GMAC Insurance RAYBURNCPA Just Conversation 11 03-27-2012 04:11 PM
Insurance renewal dshogman Alpine Coach Owner's Forum 3 02-27-2012 02:38 PM
Insurance renewal SteveSkinner Class A Motorhome Discussions 15 12-12-2011 02:12 PM
Insurance renewal shock heybc iRV2.com General Discussion 21 03-23-2011 10:57 AM
GMAC Insurance Renewal WOW s.j.sharks iRV2.com General Discussion 16 10-12-2009 06:52 PM


All times are GMT -6. The time now is 07:58 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.