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Old 10-09-2018, 07:34 PM   #15
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Originally Posted by deprived View Post
Well, I guess it wouldn't hurt to shop around.

We've been loyal to USAA for something like 30 years and the service has always been exemplary. I don't know if anyone else can say that about their insurance companies such as Good Sam or FMCA.
I used to be. When they changed the eligibility, allowing enlisted. I stood in front of my company, and recommended every one give them a call. I don't know how many actually switched, but I bet it was over 100, with many more over the following years. I did not get worked up over the small increases, But there is a point where it gets to be too much. 6 vehicles with them, and I am the only driver. I looked back, 2014, it was just over $400 for 6 months, The new policy I got a week ago, is up to $1100 plus change. I'm retired, lucky if I drive 100 miles a month.
84 Country Coach Cummins Cruiser, 6BTA5.9, GV Overdrive, Exhaust brake.
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Old 10-09-2018, 08:07 PM   #16
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Originally Posted by deprived View Post
Well, I guess it wouldn't hurt to shop around.

We've been loyal to USAA for something like 30 years and the service has always been exemplary. I don't know if anyone else can say that about their insurance companies such as Good Sam or FMCA.
30 years? You definitely need to shop around. We used to do it every 3 years or so.

As full-timers we recommend this company for checking for the best price available:

Miller Insurance Agency
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
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Old 10-10-2018, 06:45 PM   #17
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Right around $950/yr Progressive full coverage.
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Old 10-10-2018, 06:59 PM   #18
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$723 a year for full coverage,$500 deductible with State Farm,2004 National Dolphin.
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Old 10-10-2018, 07:08 PM   #19
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Progressive at $757 a year, full coverage with a $500 deductible and not more than 100 nights usage declared.
2006 Hurricane 31D built on a 2006 Ford F53
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Old 10-10-2018, 07:52 PM   #20
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As full timers we pay $1020 a year on our 2010 coach and our 99 Jeep toad through National General. Seems reasonable to me but, fortunately, have not needed to work with their claims dept.
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Old 10-10-2018, 08:55 PM   #21
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Last week I received my renewal notice from Progressive for my MH. After receiving the notice, I spoke with Roxanne at Miller Insurance and she assured me that the ~10% increase Progressive was assessing me was a very good buy in the current insurance marketplace. I trust her judgement; that's why I use Miller.

FWIW, roughly ~80% of the cost of my policy is is the combined cost of the collision and comprehensive coverage. Those coverages are largely driven by the value of the RV being insured and whether it is insured for "full replacement", "agreed value" or "market value". Other factors include deductible levels, personal property limits, the inclusion of windshield coverage, etc. And, of course, all of these are impacted by the specific location in the particular state your vehicle is garaged at.

IMO this multiplicity of factors makes meaningless the simple comparison of annual premium costs. Comparisons of undefined policies from different states doesn't produce useful information. JMO
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Old 10-11-2018, 05:33 AM   #22
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$689.00/year with State Farm. $1,000 deductible.
Allan & Mary-Ann
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Old 10-11-2018, 10:31 AM   #23
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Well, $1000/year sounds relatively low to me. Some people are paying twice that, as you can see from the replies. My coach ran around $900, and my car around $1100, but that's for a senior living in a rural area of north Florida. Other regions are dramatically higher, even within the same state.

Rates vary so widely that comparisons are almost pointless. You didn't even mention the region you are in (a huge factor) or the amounts of coverage & deductibles (also huge) and we can only guess at the value of the coach. And then there are individual factors like credit rating and age, both of which are probably far more important than your driving record.
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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Old 10-11-2018, 11:55 AM   #24
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We pay approx. $850 per year for full time in our 2004 Class A gasser with National General. I consider this reasonable since it is our home.
Brenda and Frank, FTers, Zebulon, NC
Raisin our mixed hound and BooBoo our cat.
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Old 10-11-2018, 01:06 PM   #25
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We pay $634/year
Full coverage with emergency assist, fire service & vacation liability. Has a $2k personal effects clause & a roadside assist clause
Has a 250/500/100 deductible (comp/collision/personal)
Progressive policy on a 2017 30ft Arctic Fox TT
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