Progressive cut my rate in half

jspringator wrote:
My insurance with Allstate on my 02 Winnebago Sightseer 27c was $1,150 annually. They wouldn't let me have a deductible higher than $500 for collision and comprehensive.

$100 a month for insurance seemed high to me, so I shopped Progressive online. My rate dropped to $520 a year, with $1,000 deductible, 100/300 uninsured, underinsured and $40,000 PIP. I switched on the spot. Called the number on the website and talked to an agent who referenced my quote number. Pretty painless.

I'm almost 60 and have a clean driving and claims history. I can't understand the huge price difference with only the small deductable change.

Will I get a similar reduction when I have them price my auto/motorcycle/homeowners insurance?

Just depends if an how bad they want your business.
It sorta kinda depends on what your rig is insured for and assuming that the company doesn't go my MSRP.
Example....and if the NADA is say $100K at low book on your rig and they accept $50K for it's insured value, then obviously the premium is gonna be a lot cheaper than if it was insured for a $100K.
Now if you should have a total loss, they still have to pay you approx. retail book for it, which could be as much as $120K.
Naturally, as time goes by, it depreciates even further, but no insurance company lowers your rate as a matter of common practice and if anything, will raise it and another reason to shop around every so often.
In fact, it wouldn't surprise me if there were a lot of RV's around that were insured for twice their value and by the same token, if a total loss should occur, they will only get what it's actually worth. Also might be totaled for what seems like minimal damage. Had that happen once and finally got a cheaper estimate for less dollars to keep the coach and then fixed it myself for a much much smaller amount.