Insurance - Increase Every Year About $100

Chuckbear, We all know because we've all been there. Thanks

KPetrick wrote:
Oldcarfun,

Give us a call at Good Sam Insurance Agency. We can shop it for you with National General, Safeco, Foremost and Progressive. All have excellent RV programs with the coverage's that RV'ers need.

Keith - Director of Good Sam Insurance Agency

If you ask them for a quote you will be spammed to death and receive hundreds of unwanted spam phone calls. I am speaking from experiences. I hope everyone sees this before they remove it. Chuck

Cobra21 wrote:
My Progressive rates have remained approximatly the same on our Class C for 10 years. Something doesn't seem right. We buy our autos and RV insurance on line.
Brian

Exactly. Same with our Class-A (and it was the same with our prior Class-C) also with Progressive. With good driving records and no claims on the RV rates have remained approximately the same, with a slight annual rate decrease, commensurate with the depreciation of the vehicle. It's the same with our passenger vehicles which are insured through State Farm..

Rates are broken down by area of coverage, as in comprehensive, collision, medical expenses.... Which area of coverage keeps increasing or it across the board?

Olfarmer, make sure you agree with the value the insurance company has placed on your MH. If it is totaled in an accident, how much will they pay you?

Our MH is an older 2001 but it has full coverage and our rate has never gone up, in fact it is the cheapest vehicle we have insured. 2017 Lincoln MKC, 2011 Chevy Avalanche, and a 1999 Jeep Grand Cherokee LTD. All full coverage except the Jeep.

Executive wrote:

KPetrick wrote:
Oldcarfun,

Give us a call at Good Sam Insurance Agency. We can shop it for you with National General, Safeco, Foremost and Progressive. All have excellent RV programs with the coverage's that RV'ers need.

Keith - Director of Good Sam Insurance Agency

FOR THE RECORD... Good Sam Insurance quote was over $2000 per year more than my current carrier for the identical coverage. Good Sam is way overpriced.....Dennis

You have to keep checking around every few years. I was with GS about six years ago, they raised the rates, I moved. Last June I checked with them, and they got a policy for me that was $1000 lower than I was paying with a different company.

KPetrick wrote:
Oldcarfun,

Give us a call at Good Sam Insurance Agency. We can shop it for you with National General, Safeco, Foremost and Progressive. All have excellent RV programs with the coverage's that RV'ers need.

Keith - Director of Good Sam Insurance Agency

FOR THE RECORD... Good Sam Insurance quote was over $2000 per year more than my current carrier for the identical coverage. Good Sam is way overpriced.....Dennis

KPetrick wrote:
Oldcarfun,

Give us a call at Good Sam Insurance Agency. We can shop it for you with National General, Safeco, Foremost and Progressive. All have excellent RV programs with the coverage's that RV'ers need.

Keith - Director of Good Sam Insurance Agency

And someone said Good Sam doesn't read these posts...:W..:B....Dennis

Part of the cost is the sales agent's commission and they can set a higher price so as to get a higher comission in some places I suspect.

Another thing is not many companies actually INSURE. most are re-sellers so let's say you buy from Big name INsurance Company #1 and they sell the policy to "re-insurer #1

Somebody else buys from BNC2 and they too sell to RIC 1

Someone else buys from BNC3 and they too sell to RIC1

Someone else buys from BNC 4 and they carry their own paper

Something major happens (Think 9-11-2001) and RIC one gets hit big time.

BNC4 has a 2000 dollar claim,, Just one.

As you can guess BNCs 1-3 are gonna be raising their rates.

Source: an Agent for BNC#4 (BNC is big name company of course and no I won't name the firm)

Credit score also affects insurance premiums. Have you paid things off so that you don't have multiple active accounts. If so, your score could have gone down.