Fifth Wheel Insurance - Best Buy for the Buck!
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Jun-15-2018 10:07 AM
Been 7 years since we had our last Rv.
Just bought a 2018 Arctic Fox 27-5L fifth wheel trailer. I have USAA for cars and house, but, USAA sends you to Progressive.
Premium was not bad. Never had an accident (knock, knock on wood), never a claim. However!
Which insurance company, in your opinion, gives the best service and gives the best rates. I know this is a very loaded question, and I would check closely with whomever you folks have had the best and worst experience with.
I have about a week and a half to investigate before I have to buy a policy.
U.S. Coast Guard Chief (Retired)
2016 Ford Crew Cab Lariat F-350) w/6.7 Diesel
2018 Arctic Fox 27-5L
Semper Paratus
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Jul-09-2018 12:01 PM
rbcamping wrote:
I just finished shopping for insurance and was planning on going with Good Sam with their five year replacement. They came in at just over 3000 per year including my truck and car. AAA came in at less than 1300 per year with a two year replacement. I will be reading the fine print tomorrow. Good luck out there.
In San Diego (CA and western sates) be sure to check with Wawanesa, which is HQd in San Diego.
Have had some of the agencies mentioned (inc'l Progressive), and Wawanesa beat 'em all (by a wide margin for identical coverages) - including USAA, AAA, Millers agency, etc.
Funny story about AAA - when registering a vehicle, the gal behind the counter automatically asks if you would like a quote on insurance.
Told her I recently had done that, and the AAA agent admitted he couldn't meet or beat my existing policies. (True!)
SHE (AAA employee) said, "Who do you have?"
Reply, "Wawanesa".
SHE said, "My husband and I applied to them, but they wouldn't insure us as my husband uses his car for work".
:)..:B..:)
No special deals for "bundling" - but they have my S&B also.
As well as - SUV, truck, and of course - the 5th wheel.
BTW - no "low-balling" -with increases- after first year.
BTW - have had many, many insurance companies over they years - inc'l State Farm, Mercury, Farmers, CA Casualty, Allstate, etc. - but never a claim, so no first hand experience on those - just "experienced" the premiums for same...:W
~
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Jul-08-2018 06:27 AM
My credit union got me a great deal with Safeco. Full replacement cost (not purchase price) for 5 years, 500.00 deductible for collision and comprehensive for 406.00 per year. Policy includes flatbed towing.
U.S. Coast Guard Chief (Retired)
2016 Ford Crew Cab Lariat F-350) w/6.7 Diesel
2018 Arctic Fox 27-5L
Semper Paratus
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Jul-08-2018 06:17 AM
Nutinelse2do wrote:
Progressive was cheapest on on 5’r. .... That was both basic, and full timers ins.
yep and I think USAA, does the rider thing for me.
i can't see doing a separate company for just the fifth wheel.
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Jul-06-2018 04:47 PM
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Jul-04-2018 01:21 PM
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Jun-18-2018 10:28 PM
Addy15 wrote:
We ended up with coverage through Nationwide on our recent 5th wheel purchase. Total Replacement Coverage (required by lender) for four years, purchase price coverage after that, disappearing deductible. Can't speak to level of service because we've never had Nationwide before, but this was the best rate our insurance broker/agent could find for our situation.
Nationwide . . . they paid for a new roof $9,000.
Cedar Creek 34SB, 37 feet 5th wheel, Reese 20K Hitch
"So many questions, so little time."
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Jun-18-2018 05:04 PM
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Jun-17-2018 05:10 PM
Thank A Veteran
Native Texan
2013 Prime Time Crusader 330MKS
2018 Chevy 2500 D/A Z71 4x4 Offroad
2006 Holiday Rambler Savoy 33SKT-40,000 trouble free miles-retired
2006 Chevy 2500 D/A-retired
2013 Chevy 2500 D/A-retired
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Jun-17-2018 12:47 PM
wife Diana-adult probation officer, now retired.
31KSLS Full Body paint Cameo
Ford F350 2014 DRW 4X4 King Ranch.
20K B&W Puck mount hitch
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Jun-17-2018 09:16 AM
Aridon wrote:
Most important thing is to protect your $$ as long as possible. Buy a policy that offers full replacement cost. agreed valued or stated value, not one that is ACV only.
Not many companies still offer stated policies on RV's. Progressive is one.
Our credit union will have several quotes from different agencies available for us to choose from on Monday. I told them what I require. I told them it must offer full replacement cost and 500.00 deductible for 5 years and they do the leg work. Of course, I don't have to use their recommendations and can hunt on my own.
We financed with our credit union for 3.49% for 5 years and if we choose to use one of their recommendations, they pay 1/4 of the premium. Pretty nifty in my opinion.
Our credit union has been hands down, the best banking institution we have ever worked with.
U.S. Coast Guard Chief (Retired)
2016 Ford Crew Cab Lariat F-350) w/6.7 Diesel
2018 Arctic Fox 27-5L
Semper Paratus
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Jun-17-2018 08:49 AM
37,800# GCVWR "Towing Beast"
"HeavyWeight" B&W RVK3600
2016 MobileSuites 39TKSB3 highly "Elited" In the stable
2007.5 Mobile Suites 36 SB3 29,000# Combined SOLD
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Jun-16-2018 05:17 PM
Not many companies still offer stated policies on RV's. Progressive is one.
2018 Ram 3500 DRW 4.10
2014.5 DRV Atlanta (sold)
2008 Newmar 4330 (Modified) Sold
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Jun-16-2018 07:39 AM
37,800# GCVWR "Towing Beast"
"HeavyWeight" B&W RVK3600
2016 MobileSuites 39TKSB3 highly "Elited" In the stable
2007.5 Mobile Suites 36 SB3 29,000# Combined SOLD
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Jun-16-2018 05:39 AM
I have USAA and I think the term is that they under write the RV portion with Progressive.
I have been totally comfortable with USAA for a half century now. Also it should not be hard to beat their rates with another comp0any to get you on their payroll - then the rates will probably start inching up.