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 04-29-2021, 08:12 PM   #1
Junior Member
 
03ki11er's Avatar
 
Join Date: Dec 2019
Posts: 28
RV Insurance...I'm I doing this right?

We're currently covered through Liberty Mutual which has a total premium of $157 for the year. This includes collision and comprehensive with $1000 deductible. Unit is stored in covered parking and we use is ~15 days/year.

I am moving my vehicles to Progressive due to a significant savings, but their RV premium is $1280/year. Same collision and comprehensive w/$1000 deductible.

Which one of these is the odd ball?
__________________
2017 Ford F-250 6.7L
2019 Dutchmen Astoria 3273MBF 5th Wheel
Fighting 5th Marines
03ki11er 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 04-29-2021, 08:22 PM   #2
Senior Member
 
SKP Kirk's Avatar
 
Join Date: May 2010
Location: Part-time out of Mesquite, TX
Posts: 1,060
I have our travel trailer with Foremost, $500 deductible at $327 this year.
__________________
Good Travelin! Kirk
Full-time 11 years, now part-time.
Kirk & Pam's Great Adventure!
SKP Kirk is offline   Reply With Quote
Old 04-29-2021, 11:21 PM   #3
Senior Member
 
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 13,949
Quote:
Originally Posted by 03ki11er View Post
We're currently covered through Liberty Mutual which has a total premium of $157 for the year. This includes collision and comprehensive with $1000 deductible. Unit is stored in covered parking and we use is ~15 days/year.

I am moving my vehicles to Progressive due to a significant savings, but their RV premium is $1280/year. Same collision and comprehensive w/$1000 deductible.

Which one of these is the odd ball?
Did you give the correct price for Liberty at $157/year? And you're considering Progressive for $1250/yr for a 'savings'?
__________________
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 04-30-2021, 04:41 AM   #4
Member
 
Jayco Owners Club
Join Date: Mar 2018
Posts: 62
I have Progressive insurance for non-full time RV use and our policy is less than $500 for the year. I have an insurance agent I use for all of my insurance needs and she has served me well versus trying to DIY my numerous policies.
JaytheDJ is offline   Reply With Quote
Old 04-30-2021, 07:51 AM   #5
Senior Member
 
Join Date: Aug 2016
Location: payson, az
Posts: 822
the $157/yr for just the rv coverage with liberty mutual seems realistic. but i don't know if your are presenting all the facts. do you also have your auto insurance with them? if so i can see the rate you presented for the trailer. if not, that seems to be a pretty low price for stand alone trailer policy. then your price for progressive seems way high if it is for the trailer only. does it also include the truck?

for what it is worth our trailer insurance is $22/mo and our auto insurance (truck and land cruiser) is just over $600 every six months with american family. we also have our homeowners with them and get bundled discounts. there is some coordination between the trailer and the auto policy and between the trailer and the homeowners.

it is also hard to compare auto insurance rates right now with all the rebate programs in place due to reduced driving during covid. some companies quote their regular rates and then send you a refund check. others quote lower than normal rates with the refund amount included in the lower quoted rates.
bigchick is offline   Reply With Quote
Old 04-30-2021, 08:05 AM   #6
Senior Member
 
Ray,IN's Avatar
 
Join Date: Aug 2001
Location: North America somewhere
Posts: 22,763
Quote:
Originally Posted by twogypsies View Post
Did you give the correct price for Liberty at $157/year? And you're considering Progressive for $1250/yr for a 'savings'?
I agree, that doesn't sound logical.
__________________
2000 Winnebago Ultimate Freedom USQ40JD, ISC 8.3 Cummins 350, Spartan MM Chassis. USA IN 1SG 11B5MX,Infantry retired;Good Sam Life member,FMCA." My fellow Americans, ask not what your country can do for you, ask what you can do for your country. John F. Kennedy
Ray,IN is offline   Reply With Quote
Old 04-30-2021, 09:04 AM   #7
Junior Member
 
03ki11er's Avatar
 
Join Date: Dec 2019
Posts: 28
Quote:
Originally Posted by Ray,IN View Post
I agree, that doesn't sound logical.
Sorry for the confusion. Iím moving or was moving our two auto policies to progressive for a savings of roughly $1k/year. But when I saw progressiveís RV rate I nearly had a heart attack.

I have two vehicles and a home policy through current provider Liberty Mutual which may be why their RV policy is so low. May keep my home and RV policy through Liberty Mutual and move auto to progressive.

Thanks for the input guys.
__________________
2017 Ford F-250 6.7L
2019 Dutchmen Astoria 3273MBF 5th Wheel
Fighting 5th Marines
03ki11er is offline   Reply With Quote
Old 04-30-2021, 08:05 PM   #8
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 24,246
$1280 for a non-motorized RV and $1000 deductible sounds insane. However, I've seen some aberrant rates at times, when a persons insurance needs just don't fit well the the company's rate structure. Still, I would inquire of the agent if there wasn't some misunderstanding, e.g. maybe they thought the RV was a motorhome? It's worth asking for an explanation if you are otherwise happy with their offer.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
Gary RVRoamer is offline   Reply With Quote
Old 05-01-2021, 08:42 AM   #9
Senior Member
 
SKP Kirk's Avatar
 
Join Date: May 2010
Location: Part-time out of Mesquite, TX
Posts: 1,060
Quote:
Originally Posted by 03ki11er View Post
Sorry for the confusion. Iím moving or was moving our two auto policies to progressive for a savings of roughly $1k/year. But when I saw progressiveís RV rate I nearly had a heart attack. .
Insurance can vary a great deal and often with no valid explanation. Let me share my experience of the past month. I have had a 2019 VW Jetta and a 2003 Dodge 2500 diesel truck insured with Farmers for close to 10 years. I usually do a price comparison every few years but had been negligent about this for some time. Each year the renewal cost would rise but I just considered it normal, until this year. The premium had slowly risen to more than $3k but this spring the renewal price as $4069! I contacted my agent to complain and they said that they could do a "rewrite" to save me about $1000, but that it would have to wait until a day or two before the expiration of my current policy. As a result I started shopping for other carriers and I got the exact same insurance coverage from Safeco for a price of $1800. When Farmers finally shared the "rewritten" price it was $2800!. Needless to say, I am now with Safeco Insurance.

The Safeco agent told me that it is pretty common for insurance companies to slowly increase prices on their most loyal customers, but then lower them if the customer should complain. He also indicates that the practice is most common among the biggest names in the industry.
__________________
Good Travelin! Kirk
Full-time 11 years, now part-time.
Kirk & Pam's Great Adventure!
SKP Kirk is offline   Reply With Quote
Old 05-01-2021, 09:09 AM   #10
Senior Member
 
Newmar2856's Avatar
 
Join Date: Jan 2013
Posts: 559
Quote:
Originally Posted by SKP Kirk View Post
The Safeco agent told me that it is pretty common for insurance companies to slowly increase prices on their most loyal customers, but then lower them if the customer should complain. He also indicates that the practice is most common among the biggest names in the industry.

I had Safeco a few years ago. They did the same thing to me in that they raised their rates to a ridiculous amount so we left them. Iím not sure why the insurance companies play such games as they lose customers all the time because of it.

Now Iím prepared to shop every year or two as they donít show customer loyalty anymore. Kind of like the cable/internet companies.
__________________
John, Laurie & the 3 Schnauzers
2019 Newmar Bay Star 3609
Ford V10 - 24K Chassis
Newmar2856 is offline   Reply With Quote
Old 05-01-2021, 09:17 AM   #11
Senior Member
 
Tha_Rooster's Avatar
 
Join Date: Aug 2008
Location: Georgia
Posts: 6,723
Quote:
Originally Posted by 03ki11er View Post
We're currently covered through Liberty Mutual which has a total premium of $157 for the year. This includes collision and comprehensive with $1000 deductible. Unit is stored in covered parking and we use is ~15 days/year.



I am moving my vehicles to Progressive due to a significant savings, but their RV premium is $1280/year. Same collision and comprehensive w/$1000 deductible.



Which one of these is the odd ball?


Are you comparing apples to apples liberty mutual usually is not a true Rv policy.
__________________
2007 Fleetwood Revolution LE 40V
Tha_Rooster is online now   Reply With Quote
Old 05-01-2021, 09:20 AM   #12
Member
 
Monaco Owners Club
Georgie Boy Owners Club
Join Date: Nov 2012
Location: NORTH CAROLINA
Posts: 95
Did you mean your LM premium is $1570? You posted $157.... curious.
denforent is offline   Reply With Quote
Old 05-01-2021, 09:22 AM   #13
Senior Member
 
Join Date: Mar 2021
Location: Northern California
Posts: 237
The $1280 is a surpise to me also. I wonder if that quote for a stand alone policy that includes liability coverages.

I wish I could be more help. But beyond being curious, that is all I got.
__________________
2021 Gulfstream Vintage Cruiser 19ERD.
2018 RAM 1500 6 cyl Ecodiesel
"Have Rod Will Fish"
Ldubs is offline   Reply With Quote
Old 05-01-2021, 11:04 AM   #14
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 24,246
A lot of folks sat Progressive saves them $$, but every time I shop insurance, the Progressive quote for my needs is always 15x-2x some other major insurers. Not more than all of them, but clearly something about me or my vehicles kicks me into a premium price bracket at Progressive. I'm with The Hartford now, but it's time for me to get new quotes and see what competition can do for me.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
Gary RVRoamer is offline   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
Tent camping, but I am doing it, and doing it nwcountry Solo RV'ers 6 11-28-2015 08:54 AM
Must be doing something right Randy blase Fleetwood Owner's Forum 2 03-30-2014 07:20 PM
"Remodeling", or just doing it right... unca waldo Winnebago Industries Owner's Forum 7 07-26-2012 07:12 AM
Spartan Must Be Doing It Right! Lug_Nut Spartan Motorhome Chassis Forum 1 02-14-2008 08:39 AM
Spartan Must Be Doing Something Right? BIGRED1 Spartan Motorhome Chassis Forum 3 02-15-2007 03:33 PM


All times are GMT -6. The time now is 05:46 AM.


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