Community Forums

twogypsies · 05-01-2021, 02:50 PM

It really does help to shop around every two years. They all raise prices after a few years... even if you're a 'loyal' customer. Just remember when getting bids to ask for the exact same coverage with every call you make.

Ray,IN · 05-01-2021, 02:52 PM

I have Progressive Ins.on our MH, annual premium this year is $684 for $1k ded. That includes all awnings and aftermarket add-ons.

GuyG · 05-01-2021, 03:02 PM

Quote:

Originally Posted by Ray,IN

I have Progressive Ins.on our MH, annual premium this year is $684 for $1k ded. That includes all awnings and aftermarket add-ons.

My Progressive cost $670 this year. Went up less than $100 from previous 12 months. No add-ons.

Ray,IN · 05-01-2021, 06:22 PM

Quote:

Originally Posted by GuyG

My Progressive cost $670 this year. Went up less than $100 from previous 12 months. No add-ons.

My policy decreased $120 this year, understandable given age of MH. Premiums are based upon what YOU tell your agent your MH is worth, but the ins co. will not pay more than average value regardless.

Keith55 · 05-02-2021, 02:16 PM

Quote:

Originally Posted by twogypsies

It really does help to shop around every two years. They all raise prices after a few years... even if you're a 'loyal' customer. Just remember when getting bids to ask for the exact same coverage with every call you make.

100%. They like to slowly raise your rates more than inflation. It also helps massively to not use it unless you have to.

Obviously, if you have a catastrophic accident use it but otherwise for scrapes and scratches just figure it out. They know if you are a frequent flyer when you are shopping. They must share that info behind the scenes.

Keep your credit good and your debt down....

CRV2 · 05-02-2021, 02:33 PM

When I purchased mine (2015) I got quotes from all of the big names, I have USAA for almost everything but they sent me to Progressive and Progressive was much higher than most other quotes. In any case, I found what I thought would be least likely which is Farm Bureau (you don't have to be a farmer to use them). In any case, I have a declared value policy (which means they pay the declared price agreed upon if totalled instead of the blue book (60k in this case)) and 100/300/100 with a 500 deductible for both comp and collision, roadside assistance and the cost is 656 a year. I may shop around soon and see what other options exists but from what I read here, what I am paying isn't out of line... or I may call them and see if I can save a lot by upping the deductibles. ~CA

Ray,IN · 05-03-2021, 08:31 AM

Quote:

Originally Posted by craigav

When I purchased mine (2015) I got quotes from all of the big names, I have USAA for almost everything but they sent me to Progressive and Progressive was much higher than most other quotes. In any case, I found what I thought would be least likely which is Farm Bureau (you don't have to be a farmer to use them). In any case, I have a declared value policy (which means they pay the declared price agreed upon if totalled instead of the blue book (60k in this case)) and 100/300/100 with a 500 deductible for both comp and collision, roadside assistance and the cost is 656 a year. I may shop around soon and see what other options exists but from what I read here, what I am paying isn't out of line... or I may call them and see if I can save a lot by upping the deductibles. ~CA

My Farm Bureau insurance agent told me FB does not sell specific MH insurance, it will be a modified auto insurance policy.

CRV2 · 05-03-2021, 09:06 AM

Quote:

Originally Posted by Ray,IN

My Farm Bureau insurance agent told me FB does not sell specific MH insurance, it will be a modified auto insurance policy.

I am not completely sure if I understand the difference. It certainly could be a modified auto insurance policy, one thing I remember being told was that they added a "motorhome endorsement" to the policy, so perhaps it is an auto policy with a motorhome endorsement. Did they happen to mention what the differences would be as that would be helpful when renewal time comes? Thanks, CA

scenic route · 05-03-2021, 09:27 AM

"Price optimization" is a wonderful thing...for the ins. companies. Apparently, there's a surcharge for 'customer loyalty'.

DadJokeDad · 05-03-2021, 09:31 AM

It is amazing the choices you all have for RV policies. Literally could only find insurance for our RV with Progressive. Got told today by another company that specifically advertised RV insurance "Oh, we can't do that in Massachusetts." 32 years of driving, literally never had an accident, a handful of tickets when I was young. Wife's record is better than mine. Still, bent over a barrel by Progressive.

Ray,IN · 05-03-2021, 09:37 AM

Quote:

Originally Posted by craigav

I am not completely sure if I understand the difference. It certainly could be a modified auto insurance policy, one thing I remember being told was that they added a "motorhome endorsement" to the policy, so perhaps it is an auto policy with a motorhome endorsement. Did they happen to mention what the differences would be as that would be helpful when renewal time comes? Thanks, CA

I now forget the exact conversation, but he did say they did not cover some things a MH policy covered, I think one of them was valuable contents. Best to speak directly with an agent.

03ki11er · 05-10-2021, 09:14 AM

So I called progressive today to confirm the quote with an actual agent and they were able to get me down to $960/year if I pay in full with $1000 deductibles.

I then went back and checked with Liberty Mutual to make sure I wasn't missing something and realized that the deductible was actually $250! So collision and comprehensive coverage with a $250 deductible is $142/year!

Unfortunately Liberty Mutual has higher auto policies than Proressive but in the end I'm still saving by staying with Liberty Mutual...mainly because of the RV insurance.

charliez · 05-10-2021, 10:04 AM

Just wait till you have to have a claim with Progressive. They are horrible once that happens. A dump truck opened it's tailgate in front of a car we had and wiped it out. That wanted to treat each individual rock as a separate collision. There were thousands of rocks and they wanted to apply thousands of deductibles.

After the fight was over and it was fixed I dumped them.

You made the right choice.

Theturboman · 05-10-2021, 10:04 AM

Insurance rates come from several things

Value of the vehicle
Average repair costs of that vehicle
Driving record
Claims record

Those are the primary ones. I was a AAA member for 25 years and had 5 of my vehicles insured with them for about $5k a year, perfect driving record and only a comprehensive claim with them for a ladder on the freeway vs the from nose of my coach

This year I switched to costco ins and it went down to about $2400 for 4 vehicles (1970 Corvette they wouldn't insure as a classic car $200) and I added the moho on with a stated value of $60k for $180 a year