INSURANCE

[mdanielson55]

ok had a beaver made in 01 and changed to a 08 holiday rambler and got my state farm quote of double the amount. ive had state farm for 31 years on everything but is there a better price on motorhome ins? any help is greatly appreciated

[mtrumpet]

Scars brings up a good point. It's important to keep in mind that price isn't always everything. You have to look at how reputable the carrier is and if they'll be there when you need them? Keep in mind, are you "buying an insurance card to make your vehicle legal"? or, are you buying "insurance coverage" for your vehicle? I'm not saying that the higher the premium, the better the insurance. No, not at all. Just something to keep in mind when price shopping different insurance providers.

[Scars]

Hi Mike, congrats on the new rig. If you compare your old policy to the new one, comp(OTC) & collision are the coverages that got a lot more costly. Higher deductibles might reduce the bill but Texas had a statewide rate increase recently. We've had progressive thru USAA for 40+ years and know there are cheaper ins. companies but reputation for claims handling makes for peace of mind.

[JimM68]

Currently with Geico on all our vehicles.
Was with state farm, but they tried to double our rates.
Got a quote from good sam, they doubled that!
Geico's rates are very reasonable

[wa8yxm]

One thing I have found when it comes to insurance is something that was told to us in a Song back in the 50s

The Song title: SHOP AROUND.

When I got my "new" used towed last Sept, I did a shop around, Wound up with E-Surance.

Just made a phone call, got a quote about half what I'm paying now.

Will change on renewal date.

[nevadanick]

All ins co will pay to fix your vehicle. I now have no loyalty to them and shop every year. Sometimes no savings, but sometimes big savings. I now have an independent agent that shops it for me and i get a quote or 2 to keep him honest. He has been very good at saving me money. I have ins with Safeco and Dairyland and still have a policy with a Farmers agent that Safeco wouldnt cover. When i switched my motorcycles from Progressive to Dairyland they asked if they lowered the premium would i stay and i told them they should have lowered it a week before and said goodbye.

[rgatijnet1]

I have nothing bad to say about State Farm Insurance. When one of their policy holders ran a red light and broadsided our vehicle they stepped right up and handled all aspects of the claim professionally and fairly.
That said, I agree that it is important that you check various insurance companies on a regular basis. I check mine every year, especially if my rate goes up for any reason.
In my search, I have found each insurance company has "special" discounts that they MAY give you, if you ask. Among some of those discounts are:
1) Good driving record
2) Good credit rating
3) Private Pilot discount
4) Safe driving course discount
5) Homeowner discount
6) Multiple vehicle discount
7) High net worth discount
😎 College graduate discount
9) Miles driven for each vehicle
10) Military discount for active and retired and ex-military discount
Some of these discounts seem odd but I guess each company has their reasons. In any case, when checking around, ASK about what discounts they offer that you may qualify for.
I won't say what discounts I get but I pay under $300.00 per year for full coverage including an agreed upon value coverage on our Class A coach and $5000 for personal belongings. The company that I use only writes policies in 26 states and Texas is not included.

[Sully2]

mtrumpet wrote:
I have had and continue to have State Farm on my vehicles since I have been old enough to drive. Also have it on my home. However, when it came to the motor home, they came in at almost twice the price as Progressive for the same coverages.

Progressive is the horse Ive been riding all these years

[mtrumpet]

I have had and continue to have State Farm on my vehicles since I have been old enough to drive. Also have it on my home. However, when it came to the motor home, they came in at almost twice the price as Progressive for the same coverages.

[JC2]

We went from Progressive, which doubled in (5) years with no claims, to Blue Sky which saved us around $800 per year. You really should consider insurance companies that specialize in RV coverage and not those that cover homes, personal vehicles, etc. Here are some links for you to use for obtaining quotes for your particular RV.

1. http://www.blueskyrvinsurance.com/about-us/
2. http://explorerrv.com/
3. http://www.fcisinsurance.com/rv-advantage.asp
4. http://www.gilbertrvinsurance.com/
5. http://www.millerrvinsurance.com/index.php
6. http://www.nationalinterstate.com/

As others have said, you really should check/get quotes from other companies about every 2-3 years and compare prices. Won't cost you anything but your time to do this.

[ferndaleflyer]

I have progressive and got a quote from Good Sam (what ever it is) and it was about $1000 more for less coverage----my neighbor had the same results so he insured with progressive also. This was 2 weeks ago.

[cochise49]

IMHO..insurers treat new customers better than existing ones as far as premium pricing. Had GS (Nat. Gen.) many years ago and changed after five years for a much lower premium. Went back to GS( GMAC bought by Nat. Gen.) a few years ago. Again, for a lower premium. Will start quote hunting in another year or two.

[backhoemike]

My wife is a farmers agent and we use foremost , wonderful company, if in arkansas or oklahoma we would love to quote your stuff, Jennifer Yerton In Tahlequah,Ok you can google her up or PM me and i will send you the info.

[LVJ58]

We've had our coach insured by Foremost Ins. Co. now for 19 years. During that time we've enjoyed great hassle free claim service from them.

[2gypsies1]

In 31 years you've never called around to compare prices? We do so every two years or so and always find one better.

No two people will be the same. Insurance is based on many factors - age, where you live, driving record, how much insurance you want, what your vehicles are, etc. The best thing for you to do is just to start calling around. Good luck!