Insurance renewal shock

[heybc]

We’ve been shopping for full-timers RV insurance since Progressive decided to raise our rates by $1000. Vanishing deductible and accident forgiveness is not worth that kind of $$$. Does anyone have any experience good or bad with the following companies: Geico, Foremost, Explorer RV Agency ( Great American Assurance Company), Poliseek (Companion Property & Casualty Insurance Company. All of these came in over $1000 cheaper than Progressive. Any input would be appreciated. Don’t want to make our decision on price alone. We have been happy with the service from Progressive until the sticker shock on our renewal.

[caninecop]

I was with progressive and left for the same reason, after the first year they raised the price to high. After a search of the board and other RV boards I found a good price with Miller Insurance Agency in Lake Oswego OR, 503-636-6347.

[Wizard]

Yep, Progressive raised my rates 2 years in a row. The first time I thought maybe I didn't remember but maybe I got a teaser rate when I started it. The second year it went up again and now I have Insurance with Victoria Insurance that I got through Gilbert RV Insurance in Orlando Fl.

[azloafer]

We have State Farm Insurance. I recently got a quote from Good Sam and they wanted twice as much for the same coverage!

[Rick Long]

State Farm here... but have 3 cars and home on it so it's very low.

[SRT]

Originally Posted by Rick Long

State Farm here... but have 3 cars and home on it so it's very low.

Have had State Farm for 30+ years. Have them insuring the house, RV, 2 cars, ATV, and boat. Good rates for us.

[wa8yxm]

How does that song go: "My mamma told me, to do the shop around"

I'm covered by Nationwide... Aeon also covers a lot of RV's (in fact they have some relationship with FMCA) By all means shop around.

This recommendaiton comes with some risk because this is the Amway of Insurance companies (they try to sell you on becomming a "Representive" but if you can get ahold of a Primerica agent/representive they may be able to point you to a computer web page where you get not 3 or 5 competitive estimates one of which is always the "host" but 10, and Primerica does not, in most states, sell auto/RV insurance.. but they will still give you 10 estimates.

You just have to have some sales resistance to the "Join us" speach.

[sandpiper]

I'm with Progressive. Not because I want to be but because USAA dropped out of the RV market about 3 years ago and struck some kind of deal with them. When I call Progressive the person answering always refers to their USAA connection.

Anyway, every year the rate goes up about 5% even though I have never had a moving violation nor an accident. And every year I go shopping and always come back to Progressive since they have the best quote for me. This year it is $60/month for collision & comprehensive insured to $89,000. All deductibles are $250 or less.

I don't know if this is good, bad or indifferent. I only know it is the lowest I have found. Good Sams quote was a joke. What irritates, more than anything, is the steady 5% increases when the economy is supposed to be in the toilet. I don't know about the rest of you but my retirement is not going up anywhere near 5%.

[Gary RVRoamer]

We've used Explorer RV agency and National Interstate for several years now. They have given us good rates, good coverage and decent claims service as well.

[bullheaded]

Originally Posted by Rick Long

State Farm here... but have 3 cars and home on it so it's very low.

Got the same set up here. Just compared this week against Farm & City, very close to same coverage, F & C was $2000....SF is $1100. As the coach gets older along with the driver rates should go down...right???

[akadeadeye]

Originally Posted by bullheaded

Got the same set up here. Just compared this week against Farm & City, very close to same coverage, F & C was $2000....SF is $1100. As the coach gets older along with the driver rates should go down...right???

Farm & City here. $1,300 premium. Geico was less but didn't offer replacement cost coverage at the time. I think they do now. Progressive wasn't even in the same stadium as the others when we were shopping 1 1/2 years ago, at least 75% higher. Renewed with Farm & City at the same rate as the first year.

Don

[laj]

have sf, coverage is great, more then most when i was reading fine print part.
way cheaper for me

[BigSkyBob]

I have the S&B, 2 vehicles and the coach insured with State Farm. I have carried State Farm for almost 40 years and have been very pleased with them. Progressive was 40% higher for similar coverage on the coach.

[Glassalley52]

Hmmm...we have ours insured with USAA, but they are also the lender.