What insurance to use

d0n1 wrote:

Grandpere wrote:
AAA is the least expensive insurance I have found. Unfortunately they only insure as a vehicle and not as an RV with coverage for all items in the class B van, or in our case a class A. We have National Insurance, more expensive but at least the MH is covered as our home and not just as a vehicle.

Might I suggest telling them it is used for "pleasure" and only driven 3-4k miles a year? They don't actually check how many miles you drive your vehicle each year. But the more miles you say, the higher your premiums will be. The coverage won't change but your price will certainly go down if you tell them only a few 1000 miles a year. Do NOT say it is your daily driver. It's an RV, they do not expect it to be a daily driver.

We use geico and they're the cheapest we've found. Good luck.

Geico is the cheapest but they do not offer agreed or stated value policy. So you pay for what u get.

Grandpere wrote:
AAA is the least expensive insurance I have found. Unfortunately they only insure as a vehicle and not as an RV with coverage for all items in the class B van, or in our case a class A. We have National Insurance, more expensive but at least the MH is covered as our home and not just as a vehicle.

Might I suggest telling them it is used for "pleasure" and only driven 3-4k miles a year? They don't actually check how many miles you drive your vehicle each year. But the more miles you say, the higher your premiums will be. The coverage won't change but your price will certainly go down if you tell them only a few 1000 miles a year. Do NOT say it is your daily driver. It's an RV, they do not expect it to be a daily driver.

We use geico and they're the cheapest we've found. Good luck.

loving retirement wrote:

Assyrian_Elvis wrote:

loving retirement wrote:

Assyrian_Elvis wrote:
In my opinion and research geico seems to be even cheaper then progressive and is the best bang for the buck. But neither geico or progressive offer stated value or agreed value coverage for class b vans. I have my coachmen insured thru nationwide. I have a stated or agreed value policy of 10,250.

That is not true. I have a Class B Roadtrek 190 and my policy is with Progressive and I have "stated or agreed to value" coverage for $24,000.

Wow when I called progressive they told me they dont offer agreed or stated value. Gonna call back and check. What state did you have your van insured in?

I just sent in my payment for another year with Progressive and I do have stated or agreed to value on my Roadtrek. Since my policy is a renewal they may not be issuing new policies with stated or agreed to value at this time. I am in California.

Question.............. What year did you get stated value on your roadtrek? They might have stopped doing AV policys a while back, Just wondering. Because I know for sure I called them a few weeks ago and they said they dont offer AV policy.

Grandpere wrote:
AAA is the least expensive insurance I have found. Unfortunately they only insure as a vehicle and not as an RV with coverage for all items in the class B van, or in our case a class A. We have National Insurance, more expensive but at least the MH is covered as our home and not just as a vehicle.

I'm insured with AAA Michigan as a RV. I was very careful to get their assurances in writing that all the RV parts are covered. I have increased liability coverage to 1/2 Million, uninsured to 1/4 million, have $500 deductible on all except collision with $1,000 deductible. My cost was $280 for 6 months for my 1997 Class B. And when I store it (in my drive) for 3-4 months in the winter they cut back to only comprehensive & I save $.

Assyrian_Elvis wrote:

loving retirement wrote:

Assyrian_Elvis wrote:
In my opinion and research geico seems to be even cheaper then progressive and is the best bang for the buck. But neither geico or progressive offer stated value or agreed value coverage for class b vans. I have my coachmen insured thru nationwide. I have a stated or agreed value policy of 10,250.

That is not true. I have a Class B Roadtrek 190 and my policy is with Progressive and I have "stated or agreed to value" coverage for $24,000.

Wow when I called progressive they told me they dont offer agreed or stated value. Gonna call back and check. What state did you have your van insured in?

I just sent in my payment for another year with Progressive and I do have stated or agreed to value on my Roadtrek. Since my policy is a renewal they may not be issuing new policies with stated or agreed to value at this time. I am in California.

loving retirement wrote:

Assyrian_Elvis wrote:
In my opinion and research geico seems to be even cheaper then progressive and is the best bang for the buck. But neither geico or progressive offer stated value or agreed value coverage for class b vans. I have my coachmen insured thru nationwide. I have a stated or agreed value policy of 10,250.

That is not true. I have a Class B Roadtrek 190 and my policy is with Progressive and I have "stated or agreed to value" coverage for $24,000.

Wow when I called progressive they told me they dont offer agreed or stated value. Gonna call back and check. What state did you have your van insured in?

Assyrian_Elvis wrote:
In my opinion and research geico seems to be even cheaper then progressive and is the best bang for the buck. But neither geico or progressive offer stated value or agreed value coverage for class b vans. I have my coachmen insured thru nationwide. I have a stated or agreed value policy of 10,250.

That is not true. I have a Class B Roadtrek 190 and my policy is with Progressive and I have "stated or agreed to value" coverage for $24,000.

In my opinion and research geico seems to be even cheaper then progressive and is the best bang for the buck. But neither geico or progressive offer stated value or agreed value coverage for class b vans. I have my coachmen insured thru nationwide. I have a stated or agreed value policy of 10,250. I also have an additional 5,000 for customization and another 5,000 for personal property inside the rv. So its basically insured like a home. Nationwide will pay 10,250 no matter how old the rv gets. Its a set amount that never goes up or down. Im paying 118.00 a month but its well worth it, with deductibles of 250 on comp and collision. ACV or actual cash value is a cheaper policy and the insurance company goes by the book and gives u less money in case something happens.

I had just the opposite experience of loving retirement. My renewal with Progressive this year cost 15% less than the same coverage last year. I have what would typically be called "full coverage," with high liability limits, comprehensive, collision, towing etc. My total bill was well under $500 annually. I live in semi-rural southern Oregon, so that undoubtedly helps keeps premiums lower, but I have no explanation for the decrease.

Progressive has little benefits I am often not even aware of. When A rock cracked our windshield a few years back, we discovered we had a "disappearing deductible," which reduces your deductible 20% (I think) each year you don't have a claim. Since it was more than five years, we paid nothing for the windshield replacement.

When I originally got quotes from Progressive (the company) over the phone, they were higher than I expected. Next day, I called a local Progressive agent, and the quote was something like 10%-20% less. I guess it all comes out in the wash, but not sure if I really believe that. I think insurance companies make mistakes in pricing all the time. If not, why would you see ranges of quotes that vary by a factor of three from different companies? Anyway, I have been very happy with Progressive, but, as always, the rubber meets the road when you have a significant claim. No experience there.

Kip

Thanks everyone. I am going to start making some calls. I am a good driver, no claims, with excellent credit. Just need to do some phone work which I hate.