Insurance wtf???

Heading the right direction. Just got a quote from Foremost $1367 a year

ACDNate wrote:

jorbill2or wrote:
Are you quoting full timers insurance,

Nope, just for "pleasure" as they call it.

One quote for $987 every 6 months

Coverage Limits Cost
Comprehensive(COMP)
2008 WINNEBAGO m39z $500 deductible $727.40
Collision(COLL)
2008 WINNEBAGO m39z $500 deductible $176.50
Emergency Road Service(ERS)

Have you asked about changing the deductable on coll and comp? Almost all your cost is there and $500 is somewhat low on the coverage. Increasing to $1000 or more should get a good chunk knocked off the total, unless that is the coverage you wanted.

If, in most storms you are taking the family out of the area in the Motorhome you are reducing the risk that there is a major Comp claim.

Personally I think your bodily injury and damage liability limits are way too low. In fact I think they are the MINIMUMS.
The company that I used, Auto-Owners unfortunately does not write policies in your State, but I had $100,000, $300,000 limits along with agreed upon value coverage and it cost me only $400/YEAR. I do have an excellent driving record.
Check with your bank and see if they provide insurance services. Mine did and they search out the best rates for me on my RV, auto, and homeowner's insurance.

rgatijnet1 wrote:
Personally I think your bodily injury and damage liability limits are way too low. In fact I think they are the MINIMUMS.
The company that I used, Auto-Owners unfortunately does not write policies in your State, but I had $100,000, $300,000 limits along with agreed upon value coverage and it cost me only $400/YEAR. I do have an excellent driving record.
Check with your bank and see if they provide insurance services. Mine did and they search out the best rates for me on my RV, auto, and homeowner's insurance.

Agreed. Those are getting changed for the actual policy.

last premium from State Farm on our '16 38Q gasser was ~$1100. but we have all our vehicles (4), our home and an liability umbrella policy with SF so a multi-policy discount is in play. our S&B home is valued at north of $275K and our premium is ~$1450.

have you shopped around?

If you are on the coast you may be paying more because of the territory that your RV is garaged in. Have you called us? We can shop Foremost, National General, Safeco and Progressive for you.

Keith
Director of Good Sam Insurance Agency

State Farm is $837 for the year for my Monaco Windsor. Of course, I have about 5 policies with them so there's a discount.

Also try The Hartford thru AARP. While there are many variables that will affect your rate vs. mine or anyone else's (credit, insurance limits, history, location, cost of RV), we pay $826.00 yr. Off the top of my head, I can't tell you our limits. I did an insurance check up last fall as it had been about 3 or 4 years, and we stayed with Hartford. We've had a claim with them, and they were great to work with.

$2500 is probably right in hurricane country, I paid more than that in FL for similar coverage. Here in Reno NV area, it's only $700 for a higher value house. About the only natural disaster here is an earthquake and the policy does not cover that!
If you are old enough, check AARP (Hartford). My 2015 Winnebago Vista costs me $700 for full coverage (although an umbrella policy I have lowers all my vehicle insurance).

I've got a few years left before I qualify for AARP, only 40yrs old.

Foremost and Safeco so far are the most competitive rates right around $1500 year. Still waiting on a few more to come in.