Journey with Confidence RV GPS App RV Trip Planner RV LIFE Campground Reviews RV Maintenance Take a Speed Test 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 05-23-2010, 09:10 AM   #1
Member
 
Monaco Owners Club
Newmar Owners Club
Join Date: Jan 2010
Location: Vancouver, WA & Las Vegas
Posts: 42
RV Insurance

We have been insured thru GMAC for our motorhome and two cars. We sold our home, bought a new motorhome (08 Thunder) and registered the coach in Missoula, Montana. GMAC raised our insurance from $1500 a year to $7500 a year, yes a $6,000 increase. They said because of their high claim experience with motorhomes in Montana the increase is required. What GMAC does not factor into their claim experience is the fact that coaches all over the USA are registered in Montana for the obvious reasons, to avoid home state sales tax. We dont have a home state any more so we are not avoiding anything.

Anyone found a reasonable insurer for motorhomes????

Thanks in Advance
chev is offline   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 05-23-2010, 09:52 AM   #2
Senior Member
 
SKP Kirk's Avatar
 
Join Date: May 2010
Location: Part-time out of Mesquite, TX
Posts: 1,103
Does your Montana registration mean that you have registered the motor-home under a Montana LLC, or do you domicile in Montana? That could also account for the price increase as some companies require commercial insurance if you use an LLC. I suggest that you contact Foremost Insurance (Foremost Insurance Group - Offering Insurance for a Wide Variety of Special Items - Automobile, Mobile Home, Home, Motorcycle, Motor Home, boat, wave runner, jet ski, snowmobile), as they insure the LLC owned motor-home of a friend of ours.
SKP Kirk is offline   Reply With Quote
Old 05-23-2010, 10:04 AM   #3
Senior Member
 
GaryKD's Avatar
 
Newmar Owners Club
Join Date: Jul 2006
Location: Wellington, Florida
Posts: 13,600
Hi chev,
Contacting an insurance broker is a good idea. Quickly, you can determine what the market rate is for your situation. Farm & City is a coach insurance broker. Their contact number is 800-331-1520.

Consider contacting the attorney that set up your LLC. They, most likely, have suggestions for your situation.
__________________
Gary
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
Nobody Knows Your Coach Like Somebody Who Owns One Just Like Yours
GaryKD is offline   Reply With Quote
Old 05-23-2010, 10:30 AM   #4
Member
 
Monaco Owners Club
Newmar Owners Club
Join Date: Jan 2010
Location: Vancouver, WA & Las Vegas
Posts: 42
Thanks for the info, I am following up on it today
chev is offline   Reply With Quote
Old 05-23-2010, 11:04 AM   #5
Senior Member
 
Join Date: May 2007
Location: Davie, Florida
Posts: 731
I have mine with Overland Insurance. $1080 a year for the last three years. The MH is registered in Florida however. If you no longer have a perminent address why don't you re-register in another state. FL does not have an income tax. Your insurance company gave you that high ball number because they want you to drop them so do it.
D in Davie is offline   Reply With Quote
Old 05-23-2010, 09:37 PM   #6
Senior Member
 
Join Date: Jun 2009
Posts: 799
I have a 2006 fleetwood discovery registered in new jersey and I'm paying $1,100.00 or $1,200.00 for the year, It seems like a good price I think, so here is they're number 1-800-400-0186 they are a broker so they will look for the best price for you, good luck and find a beter price because you are paying true the nose.
ninos is offline   Reply With Quote
Old 05-25-2010, 02:26 PM   #7
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 28,646
We use National Interstate - www.explorerrv.com
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is now West Palm Beach, FL
Gary RVRoamer is offline   Reply With Quote
Old 05-25-2010, 03:01 PM   #8
rf4
Senior Member
 
Winnebago Owners Club
Join Date: May 2010
Posts: 153
Foremost was the most competitive for us.
rf4 is offline   Reply With Quote
Old 05-26-2010, 07:57 AM   #9
Member
 
Foulwx's Avatar
 
Tiffin Owners Club
Freightliner Owners Club
Join Date: May 2010
Posts: 61
I called USAA (for those eligible), and they put me through to Progressive. Seems like a good rate, and very good service so far.
__________________
2022 Tiffin Allegro Bus 40IP
Allentown, PA
Foulwx is offline   Reply With Quote
Old 05-26-2010, 09:28 AM   #10
Senior Member
 
Jim28730's Avatar
 
Newmar Owners Club
Join Date: Dec 2008
Location: Maggie Valley, NC
Posts: 903
We have been very pleased with RV Insurance, Motorhome Insurance and Florida Motorcycle Insurance
Jim28730 is offline   Reply With Quote
Old 05-26-2010, 09:52 AM   #11
Senior Member
 
Refuse1's Avatar
 
Alpine Owners Club
Join Date: Dec 2009
Location: Des Moines,Iowa
Posts: 241
I use an agency out of Ft Lauderdale that specializes in RV's. They understand the LLC situation.

Twin Peaks Insurance. Talk to Karen at 800-507-8467. She was very accomodating and the prices seem reasonable.
__________________
Jeff
2001 Alpine 36MDDS
Refuse1 is offline   Reply With Quote
Old 05-26-2010, 10:15 AM   #12
Senior Member
 
Always-RVing's Avatar
 
Fleetwood Owners Club
Join Date: Aug 2009
Posts: 959
GEICO has a group that specializes in RV insurance for all kinds of RV insurance needs and prices nobody else can beat. You may notice on Progressive commercials, competitive prices for GEICO are not shown.

GEICO | RV Insurance Quote - Get a free RV insurance quote 1-800-909-4246

A must mention this from GEICO: If you buy a new car (not RV), never titled, under 15k miles. A Bumper-to-Bumper extended warranty cost ONLY $10.00/month with a $250.00 deductable.

You can instantly save hundreds off your auto premium for many insurance companies by watching a few videos online. I immediately saved $50.00/month ($600.0/yr) by completing the following.

http://www.nscddconline.com/geicosenior/
Attached Images
 
__________________
Fleetwood Providence 2008 40e
Ford F-350 4x4 Diesel 6.0L 2006
Honda CR-V 2006
Always-RVing is offline   Reply With Quote
Old 05-27-2010, 05:34 AM   #13
Senior Member
 
read & learn's Avatar
 
Newmar Owners Club
Join Date: Sep 2006
Location: Edgewater, NJ-Now touring the USA
Posts: 955
Chev if you do not have a home State what kind of Driver License do you have.
From NJ and National Interstate insurance, cost in the 1500+ with a lot of $500,000 to $1,000,000 coverage, plus full timers coverage, on the road more than 6 months a year.
__________________
2005 KSDP 3910-----2007 Jeep Liberty

THE MIND IS LIKE A PARACHUTE, IT MUST BE OPEN TO WORK
read & learn is offline   Reply With Quote
Old 05-27-2010, 04:05 PM   #14
Member
 
Monaco Owners Club
Newmar Owners Club
Join Date: Jan 2010
Location: Vancouver, WA & Las Vegas
Posts: 42
We just sold our home in Washington State a couple of months ago. My dl remains with WA but plan to change to either Montana or Nevada
chev is offline   Reply With Quote
Reply



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
Insurance price increase danes-on-tour iRV2.com General Discussion 68 08-19-2010 10:02 AM
Save Money on Auto/RV Insurance ($50.00/month or more) Always-RVing iRV2.com General Discussion 1 02-24-2010 06:55 PM
Military Insurance premiums reduced John Harrelson Military / Veteran RVing 1 04-07-2008 07:25 AM
Under-Licenced - Overweight - No Insurance!! Stan Birch Canada Region 14 08-30-2005 03:46 PM

» Featured Campgrounds

Reviews provided by


All times are GMT -6. The time now is 10:53 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2025, vBulletin Solutions, Inc.