rv insurance

IMO, too many variables. Only a handful provide full timer insurance. Often we get bogged down being with the same company for years. It does pay to shop every few years after all the quotes cost you nothing. We full time, so we have National Interstate and found them to be competitive rate wise, and excellent to deal with claims wise.

What works for me may not work for you. As the saying goes...your mileage may vary...based on your driving record, FICO score, claims history, age, etc. etc. etc....Dennis

ugh wrote:

donn0128 wrote:

ugh wrote:

donn0128 wrote:
Had State Farm for peobably 45 years. They have always treated us well.

Time for you to shop around!!!!

Why? I get decent rates on all our stuff, local agent who knows us and treats us like a person, not a number. Being we are part owner I see no reason to change to something worse!

How do you know if you never shopped around and compare. I had State Farm and I just changed it to Farmers and saved 1,500 a years! I change my insurance every few years and I always always always save money in some way!!! I don't go cheap with the policy. I always get the highest protections. SO, for me, it pays to shop around.

What you claim to have saved is about what I pay SF per year for house, trailer, car, truck and a couple of add on riders. Insurance costs are regionally set based on factors like claim rates, population density, repair cost index for your vehicles etc. No one insurance company is going to have the best rates all across the country. So yea, it does pay to shop around some. But like I said earlier, SF has treated us well for years. When Farmers cancelled my wife, and Nationwide dropped us because I was in the military, State Farm actually apologized for charging us 45 dollars for 6 months for car insurance. That was nearly 50 years ago. And I still remember that sort of care. While SF may not be the cheapest hy a few dollars, commitment and personal service to me are worth it.

I have had several including triple A which in my opinion is one of the worst on the towing part. So I am not afraid to search on the internet for better deals. AARP has been good to us recommending insurances. You can save lots of money and still get good protection.

I have been with AAA a very long time,more than 45 years,Every so often I will shop around and Have never been able to beat their prices.

I also have their Road/RV service addition that has never failed me and at a cost of an extra $35 a year for the added RV service you can not beat it.

donn0128 wrote:

ugh wrote:

donn0128 wrote:
Had State Farm for peobably 45 years. They have always treated us well.

Time for you to shop around!!!!

Why? I get decent rates on all our stuff, local agent who knows us and treats us like a person, not a number. Being we are part owner I see no reason to change to something worse!

How do you know if you never shopped around and compare. I had State Farm and I just changed it to Farmers and saved 1,500 a years! I change my insurance every few years and I always always always save money in some way!!! I don't go cheap with the policy. I always get the highest protections. SO, for me, it pays to shop around.

DSDP Don wrote:
Over the years I've learned that insurance companies will never show any loyalty to you, so why show any to them. When the rates go up go shopping. I had State Farm for almost 30 years, but about 15 years ago they decided they wanted to get out of the car insurance business in California and started raising their rates. We went to AAA and insured the motor home with Progressive. A few years later State Farm realized they had made a mistake and started lowering their prices on car insurance....too late!

Progressive was good for about 4 years and then had a huge rate increase in pockets across the U.S. When we changed our cars over to AAA they weren't insuring motor homes at the time. I checked with them when the Progressive rates went up and saved over $400.00 a year on the motor home. We've been with AAA ever since (13 years) and their rates have stayed competitive. They're a non-profit company....give them a try.

In early 2011 California AAA split into the non profit auto club and a for profit AAA insurance operation. Even with that, we reviewed our auto and home insurance this year and could not beat the AAA rates, we've been with them for 20 years. They could not beat the rate we have for the motor home with Foremost, their quote was almost 40% higher.

I believe AAA has no cancelation policy.
Worth checking if that is important for you.

DSDP Don wrote:
Over the years I've learned that insurance companies will never show any loyalty to you, so why show any to them. When the rates go up go shopping. I had State Farm for almost 30 years, but about 15 years ago they decided they wanted to get out of the car insurance business in California and started raising their rates. We went to AAA and insured the motor home with Progressive. A few years later State Farm realized they had made a mistake and started lowering their prices on car insurance....too late!

Progressive was good for about 4 years and then had a huge rate increase in pockets across the U.S. When we changed our cars over to AAA they weren't insuring motor homes at the time. I checked with them when the Progressive rates went up and saved over $400.00 a year on the motor home. We've been with AAA ever since (13 years) and their rates have stayed competitive. They're a non-profit company....give them a try.

Insurance companies absolutely will show you loyalty if you have a couple of big claims. The danger of switching policies too often is as soon as you have that big claim an insurance company you've only been with a year is going to pay your claim and then cancel your policy. Good luck finding new insurance at a reasonable rate then. But if you've been with a company for a while, they are far less likely to drop you.

donn0128 wrote:

ugh wrote:

donn0128 wrote:
Had State Farm for peobably 45 years. They have always treated us well.

Time for you to shop around!!!!

Why? I get decent rates on all our stuff, local agent who knows us and treats us like a person, not a number. Being we are part owner I see no reason to change to something worse!

I've had the same insurance company for about 35 years. Their prices are competitive, I always get a dividend check, their rates do NOT go up if I have an at-fault accident, and, if I do have a claim, I can go to a body shop of my choice or I can go to one of their pre-approved shops. I've had a couple of claims and chose the later. Drop it off, pick it up in a few days, pay the deductible and I'm on my way. This company doesn't play games with after market parts or junk yard parts like a previous insurance company I was with. Yeah, I'll stick with them.

Over the years I've learned that insurance companies will never show any loyalty to you, so why show any to them. When the rates go up go shopping. I had State Farm for almost 30 years, but about 15 years ago they decided they wanted to get out of the car insurance business in California and started raising their rates. We went to AAA and insured the motor home with Progressive. A few years later State Farm realized they had made a mistake and started lowering their prices on car insurance....too late!

Progressive was good for about 4 years and then had a huge rate increase in pockets across the U.S. When we changed our cars over to AAA they weren't insuring motor homes at the time. I checked with them when the Progressive rates went up and saved over $400.00 a year on the motor home. We've been with AAA ever since (13 years) and their rates have stayed competitive. They're a non-profit company....give them a try.