RV insurance

bodyshop bob wrote:
WOW - there's a lot of info and opinion on this thread.
If you don't know much about insurance -- go find a reputable Independent Agent to assist you and tell him you want.

If you feel comfortable hacking through the jungle of online insurance quotes then feel free to spend an entire day trying to figure out the different quotes.

Simply put, the more you learn the better your final decision will be.

You CANNOT look at bottom line cost without looking at what is covered and how its covered.

Having said all that -- it came down to Allied and Blue Sky for me and I chose Blue Sky. But I know exactly what I bought and exactly what is covered so I don't ever expect to have an issue if/when I need them.

The independent insurance agent is a good starting point.

Adjust the learning curve - on your own.

"What is - and what isn't covered" - Maybe it's out of sequence (above) but know exactly what -and how much- coverage you want.

Compare policy costs "apples to apples".

Your age, location (state), full time or part time, other vehicles, etc., - may have a big effect on costs.

Blue Sky -
Having said some of that.......
I had a great company -and prices- when I was in So. CA.
Then I became a SD resident - the company I had did *not* write policies for SD. (They knew that when DL was changed).

So - had Blue Sky agency - policies = Progressive Ins.
X'lnt insurance prices - for my RV and vehicles.
(SD only has about 750K residents in the entire state!).

Then - back to So. CA.
Told Blue Sky of my return to So. CA.
*Big* price increase! (Progressive Ins.)

OK - time to get to work on my own "apples to apples" coverages.

Checked with USAA, AAA, and others - then back to my first (CA) insurer, Wawanesa.

Wow! Approx $1K *less* per year than the others. Even less than my previous (SD) policy from Blue Sky!
All comparisons for *EXACTLY* the same coverage.

Yes - the RV (a 5th) has a separate policy.
"Bundles" won't change anything.
No agents - deal directly with the company (in San Diego).
All policies are (req'd to be) for one year. (3 payments OK).

How good is Wawanesa?
Never had a claim so no help there....but one day I was in the local AAA branch to renew a registration..:)

The gal doing my paperwork, asked if I was interested in an insurance quote from AAA.
No thanks - I recently got one - AAA couldn't compete.

She says, "Who do you insure with?"

When I told her - she (the *AAA employee*) said,
"My husband and I tried to get insurance from Wawanesa, but they wouldn't take us because he uses his car for business."

Gee - sorry to hear that (for her)..:(
For me - happy to hear that!..:B

Bottom line = it starts out as *YOUR* money, so do *YOUR* homework!!..;)

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