5th wheel insurance
Currently we have national interstate, premiun 600.00$ plus for the tear on a 2011 keystone outback. , breakdown, comprehensive 234.00 collision 126.00 roadside package 130.00 plus a few smaller items...
Forum Discussion
bpounds wrote:machunt wrote:
Pack. my ded went from 500 to 0$ because of no claims. i did not change it.
Yes, but his point is still valid. You are still paying a premium based on a $500 deductible, and if you have a claim, your deductible will revert to $500. Get your agent to show you the premium if you increased your deductible to $1000. It should be less. But in your case it might reset your vanishing deductible, so make sure you ask your agent about that.
I carry $1000 deductible on all my collision policies. It lowers my premiums, and I feel comfortable that I can easily handle a $1000 hit to my wallet if something happens. That also keeps me from filing smaller claims, like when I smacked my side mirror on a city bus, which could have caused my premium to rise.
To add to this - If you have the 'vanishing deductible' option, then you are probably paying an option cost for it. Ask your insurance person for quotes without that option but with deductibles of $0, $500, and $1000 (3 separate quotes). Then you can make an informed decision. As I stated above, I like to carry a higher deductible and just stash the premium savings away till I get to $500 or $1000. That money will then cover my deductible.
