Insurance
Members, just got the shock of my life...everything going great with the New/Old RV I just bought. Had a great 2400 mile ride home with no issues...Got home to deal with the Insurance and I almost Had...
Forum Discussion
Like some have said location location location !
Then miles driven , some insurance companies require you to drive by for the them to visually check mileage on the OD (state farm, farmers, AAA for example), others take your word and each year you get a little mailer /questioner asking for mileage and if you told told them upfront your only going to drive it say 5,000 miles a year and you drove it 6,000 miles you'll get hit by a higher premium.
If you don't mail that questioner in they jack your premium up to a higher level, then when you mail in the paperwork and if your within miles your premium will get adjusted accordingly. That actually happened to me a couple years ago!
Some play the game of under quoting the miles they drive, you better keep copies of any paperwork so you can continue to play the game.
The insurance is always like crooks , "one step ahead of the game" , tied in with DMV , get a ticket they find out your mileage , get a smog check they find out your mileage, fender bender they get your mileage...
Insurance companies are always bean counters and get you no matter what !
You live in the city so higher chance of being involved in an accident , rates are higher, ok I live out in the boonies , higher rates because more chance of non-insured motorists on the road out in the boonies. !!
We just bought a 2005 FourWinds , park it at the house behind a closed gate and have multi vehicle ,house etc with them $257.75 a year...
Then miles driven , some insurance companies require you to drive by for the them to visually check mileage on the OD (state farm, farmers, AAA for example), others take your word and each year you get a little mailer /questioner asking for mileage and if you told told them upfront your only going to drive it say 5,000 miles a year and you drove it 6,000 miles you'll get hit by a higher premium.
If you don't mail that questioner in they jack your premium up to a higher level, then when you mail in the paperwork and if your within miles your premium will get adjusted accordingly. That actually happened to me a couple years ago!
Some play the game of under quoting the miles they drive, you better keep copies of any paperwork so you can continue to play the game.
The insurance is always like crooks , "one step ahead of the game" , tied in with DMV , get a ticket they find out your mileage , get a smog check they find out your mileage, fender bender they get your mileage...
Insurance companies are always bean counters and get you no matter what !
You live in the city so higher chance of being involved in an accident , rates are higher, ok I live out in the boonies , higher rates because more chance of non-insured motorists on the road out in the boonies. !!
We just bought a 2005 FourWinds , park it at the house behind a closed gate and have multi vehicle ,house etc with them $257.75 a year...
