Class A insurance

[bclinton]

Shopping around for coverage and quoted one that was recommended on a site National General. They were over 6000 a month....really? I have USAA for my cars and love them. Been with them for over 40 years. They do not do RV's and sent me to progressive, their RV partner. Progressive quoted about 700 a year. Any suggestions on other insurance companies I should shop. Any comments on how good or bad Progressive is? One thing about USAA is they have been great with any claim I have had. Saving money on insurance does no good if they are a hassle when I have a problem....

[bclinton]

Cobra21 wrote:
I used roadside assistance last year with Progressive. I called the nearest available firm, paid them for their services with my own money. I submitted the claim to Progressive and was refunded the total amount very quickly. You don't have to use the 1-800 number.
Brian

Great info. Thanks.

[badboy368]

WOW...what timing. Just found out that NATIONAL INTERSTATE is getting out of the RV ins market. Now i am scrambling to find a new carrier. It is really exhausting. Looking for good coverage not the cheapest price. Any of your thoughts would be helpful.

[Cobra21]

I used roadside assistance last year with Progressive. I called the nearest available firm, paid them for their services with my own money. I submitted the claim to Progressive and was refunded the total amount very quickly. You don't have to use the 1-800 number.
Brian

[devildog1971]

GEICO JUST GOT FULL COVERAGE ON MY 02 FORTY FOOTERI THINK IT WAS 650.00 A YEAR

[bclinton]

eadeal55 wrote:

bclinton wrote:

eadeal55 wrote:
Have had Progressive thru USAA for the past 13 years. Real good with a damage claim 8 years ago, the disappearing deductible saved me $1000.

Average cost about $90 a month, but I have $500K coverage for liability and uninsured motorist, plus collision, $5K medical per person, $10K personal effects replacement, $2K trip interruption, $500K vacation liability (covers me sitting in any campground), $500 per instance tow/labor with roadside assistance.

After first 5 years, went from full replacement value (what it would cost to buy a 2010 Bounder) to total loss replacement/agreed value, which means that now every two years or so I call them up and lower my agreed value to a couple thousand over payoff.

I get discounts for being a USAA member, good driver and original owner.

Let me ask you? Is the road side assistance that I got with Progressive good enough? Does it have pretty good coverage in line with the good sam club?

Have never had to use it, but I have called their number and got them on the phone and asked all kinds of questions about how they would respond to different break down and flat/blown tire situations. The guy I talked to was well versed and assured me that they would take care of the issue when it happened. I was satisfied to the point of not ever looking at Good Sam's or FMCA's roadside assistance.

Excellent.... Thanks!

[eadeal55]

bclinton wrote:

eadeal55 wrote:
Have had Progressive thru USAA for the past 13 years. Real good with a damage claim 8 years ago, the disappearing deductible saved me $1000.

Average cost about $90 a month, but I have $500K coverage for liability and uninsured motorist, plus collision, $5K medical per person, $10K personal effects replacement, $2K trip interruption, $500K vacation liability (covers me sitting in any campground), $500 per instance tow/labor with roadside assistance.

After first 5 years, went from full replacement value (what it would cost to buy a 2010 Bounder) to total loss replacement/agreed value, which means that now every two years or so I call them up and lower my agreed value to a couple thousand over payoff.

I get discounts for being a USAA member, good driver and original owner.

Let me ask you? Is the road side assistance that I got with Progressive good enough? Does it have pretty good coverage in line with the good sam club?

Have never had to use it, but I have called their number and got them on the phone and asked all kinds of questions about how they would respond to different break down and flat/blown tire situations. The guy I talked to was well versed and assured me that they would take care of the issue when it happened. I was satisfied to the point of not ever looking at Good Sam's or FMCA's roadside assistance.

[ggardne2]

I have Progressive roadside assistance. I had to use them recently due to some tire issues (actually got to use them twice, once for the first tire, second time for the second tire). Both times they provided very good service and the provider's they sent out were capable and were able to assist me.

[eadeal55]

bclinton wrote:

eadeal55 wrote:
Have had Progressive thru USAA for the past 13 years. Real good with a damage claim 8 years ago, the disappearing deductible saved me $1000.

Average cost about $90 a month, but I have $500K coverage for liability and uninsured motorist, plus collision, $5K medical per person, $10K personal effects replacement, $2K trip interruption, $500K vacation liability (covers me sitting in any campground), $500 per instance tow/labor with roadside assistance.

After first 5 years, went from full replacement value (what it would cost to buy a 2010 Bounder) to total loss replacement/agreed value, which means that now every two years or so I call them up and lower my agreed value to a couple thousand over payoff.

I get discounts for being a USAA member, good driver and original owner.

Great info. Thanks! I signed up. I assume you can adjust amounts when you see the need right?

Yep...just call them up and tell them what you want for coverage. My current "agreed value" is $55K, but I'm getting ready to lower it to $45K, which is a few grand above payoff. That $10K drop in insured value will probably save me $10-15 a month in cost.

[bclinton]

eadeal55 wrote:
Have had Progressive thru USAA for the past 13 years. Real good with a damage claim 8 years ago, the disappearing deductible saved me $1000.

Average cost about $90 a month, but I have $500K coverage for liability and uninsured motorist, plus collision, $5K medical per person, $10K personal effects replacement, $2K trip interruption, $500K vacation liability (covers me sitting in any campground), $500 per instance tow/labor with roadside assistance.

After first 5 years, went from full replacement value (what it would cost to buy a 2010 Bounder) to total loss replacement/agreed value, which means that now every two years or so I call them up and lower my agreed value to a couple thousand over payoff.

I get discounts for being a USAA member, good driver and original owner.

Let me ask you? Is the road side assistance that I got with Progressive good enough? Does it have pretty good coverage in line with the good sam club?

[bclinton]

eadeal55 wrote:
Have had Progressive thru USAA for the past 13 years. Real good with a damage claim 8 years ago, the disappearing deductible saved me $1000.

Average cost about $90 a month, but I have $500K coverage for liability and uninsured motorist, plus collision, $5K medical per person, $10K personal effects replacement, $2K trip interruption, $500K vacation liability (covers me sitting in any campground), $500 per instance tow/labor with roadside assistance.

After first 5 years, went from full replacement value (what it would cost to buy a 2010 Bounder) to total loss replacement/agreed value, which means that now every two years or so I call them up and lower my agreed value to a couple thousand over payoff.

I get discounts for being a USAA member, good driver and original owner.

Great info. Thanks! I signed up. I assume you can adjust amounts when you see the need right?

[eadeal55]

Have had Progressive thru USAA for the past 13 years. Real good with a damage claim 8 years ago, the disappearing deductible saved me $1000.

Average cost about $90 a month, but I have $500K coverage for liability and uninsured motorist, plus collision, $5K medical per person, $10K personal effects replacement, $2K trip interruption, $500K vacation liability (covers me sitting in any campground), $500 per instance tow/labor with roadside assistance.

After first 5 years, went from full replacement value (what it would cost to buy a 2010 Bounder) to total loss replacement/agreed value, which means that now every two years or so I call them up and lower my agreed value to a couple thousand over payoff.

I get discounts for being a USAA member, good driver and original owner.

[bclinton]

ScottG wrote:

bclinton wrote:
They were over 6000 a month....

Did you post that right? $6K?

Actually it 6000 per year....same difference for me though 🙂 ....the headline on the web said "We save the average RV'er over $300 per year"

lol

Looks like progressive gets it for me.....

[ScottG]

bclinton wrote:
They were over 6000 a month....

Did you post that right? $6K?