What insurance to use

[sizzy]

I have a 2001 Pleasureway Traverse that I use for travel and also as a daily driver. The insurance I have has gotten ridiculous. Just wondering if anyone uses their van as a daily driver and what insurance company they use.

[loving_retireme]

I have been insured with Progressive since 2005 and have been satisfied with the cost of the annual premiums during that period until I received my annual renewal notice last week. Having a perfect driving record, filing no claims, with no accidents and receiving no tickets during that entire period my policy increased by over $220 or 38 percent in one year. Talked with two agents at Progressive and neither thought anything was unusual about the large increase. Anyone have a similar increase?

[avanti]

There is no simple answer to this question. In addition to Retraite's list, the "best" (or cheapest) insurance carrier will vary both by market and over time. They play all kinds of games in an effort to grab market share and then quietly became less competitive in the hope that you won't notice or won't bother to change. If you wanted to always have the best deal, you would have to change vendors every year. Not worth it.

[retraite]

For folks to give you a "good" answer, there are a lot of variables that would be useful to know (and please don't be offended, ANY insurance carrier will want answers to all of them).

They include:
Where the vehicle is "garaged" (for most folks, that's at home, but it may be a storage yard in some cases).
Your daily commute miles - one way.
Your driving record.
Your accident record.
Your credit history.
Year and model of your unit (and, yes, some carriers will insure it as an RV, others as a van. If the former, you usually can agree a "stated" value in the policy, if you ask).
Named drivers (only you; you and one other "related" adult; or might it include a teenage child, for instance)
The policy limits you specify - liability and property limits are different numbers.
And more, depending on the carrier.

And, one man's "ridiculous" is another man's "what a great deal".

Cheers.

[Grandpere]

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.