Who do you have insurance with?

We went with Good Sam and their insurance with National General when we went full time.....had Allstate for 25 years but they would not cover our 5th wheel for full time use. Ended up saving money w/National General.We have full coverage on the truck and 5ver plus replacement coverage for the 5ver contents.

Been fulltime for many years, and recently switched to Blue Sky...got the best coverage and price by far...we had used National Interstate, Progressive and most recently GMAC...they couldn't come close to the level of coverage and lower cost offered by Blue Sky!

DutchmenSport wrote:
The cost of your insurance is one thing. The way they handle claims is quite another. My son has his car insured through State Farm and he just had a claim for ice-pothole-curb damage to his car. What a headache getting the money for the repair!

I am with AllState and have put in a few claims in my lifetime. They've never given us any hassles, pay the repair shop direct and make adjustments if the repairs end up being more than the original quote.

My son went with State Farm because they gave him cheaper rates than AllState. Now he knows why Mom and Dad wanted him to say with AllState!

Why do I say this? Because sometimes the "cheapest" rates are not always the best! There's more to consider than just a cheap price. You have do to a little research on how they handle claims! How fast they get the money to the appropriate parties, and how they handle you after you've made a claim or two. It's more than just money!

Choose wisely "grasshopper!"

I agree to a point but as one reply stated they all have issues when paying claims in some form or fashion so how would you know cheapest wasn't better if you never had a claim with them??
I've had State Farm for several years, never had a claim but they are the least expensive of any I checked and I have checked over the years but that doesn't make them bad...I think a lot depends on your agent too!

DutchmenSport wrote:
The cost of your insurance is one thing. The way they handle claims is quite another. My son has his car insured through State Farm and he just had a claim for ice-pothole-curb damage to his car. What a headache getting the money for the repair!

I am with AllState and have put in a few claims in my lifetime. They've never given us any hassles, pay the repair shop direct and make adjustments if the repairs end up being more than the original quote.

My son went with State Farm because they gave him cheaper rates than AllState. Now he knows why Mom and Dad wanted him to say with AllState!

Why do I say this? Because sometimes the "cheapest" rates are not always the best! There's more to consider than just a cheap price. You have do to a little research on how they handle claims! How fast they get the money to the appropriate parties, and how they handle you after you've made a claim or two. It's more than just money!

Choose wisely "grasshopper!"

Well said. It is a matter of value. I too had claims with Allstate and found their claim service outstanding!

We use a broker and presently have Progressive, not saying that we would not change if the coverage or price changes. Full timers since 04.

The cost of your insurance is one thing. The way they handle claims is quite another. My son has his car insured through State Farm and he just had a claim for ice-pothole-curb damage to his car. What a headache getting the money for the repair!

I am with AllState and have put in a few claims in my lifetime. They've never given us any hassles, pay the repair shop direct and make adjustments if the repairs end up being more than the original quote.

My son went with State Farm because they gave him cheaper rates than AllState. Now he knows why Mom and Dad wanted him to say with AllState!

Why do I say this? Because sometimes the "cheapest" rates are not always the best! There's more to consider than just a cheap price. You have do to a little research on how they handle claims! How fast they get the money to the appropriate parties, and how they handle you after you've made a claim or two. It's more than just money!

Choose wisely "grasshopper!"

Just changed from Progressive to Blue Sky. We did the Snapshot with Progressive and supposedly got a 30% discount on the toad. Even with that, Progressive couldn't come close to Blue Sky and we feel more comfortable with Blue Sky full-time insurance.

Just changed to Geico. Rates were best by moving my toad from Progressive, who couldn't even come close on a combined policy.

We had insurance coverage thru a broker..Explorer RV.
Out insurance was with National Interstate.
They specialize in RV coverage........especially ins. for full time RVrs.
We had full replacement for 1st 5 yrs. that then went to 'agreed valve' which we set. Liability, medical, travel interrupted coverage (hotel/motel in RV in for repairs), custom equipment, contents plus ins. coverage on truck. (5th wheel/truck combo) towing etc.

During 7 yrs. of coverage we had 2 claims.....1 minor and 1 major.
Called, started claim, both handled quickly/efficiently/no hassles and premiums did not go up.

Just keep in mind the Blue Sky policies are tailored for full timers. Some other quotes may not include some of the items you really need for full time.