rv insurance

[missourigal]

We are thinking about changing our insurance on our rv but we just don't know who to go with. So far Progressive has been one of the cheapest but I don't know if they are one of the best. What do you guys think? What do you have and do you like it?

[morgj]

USAA for the autos, but they "partner" with Progressive for RV insurance. Happy so far

[mlts22]

GEICO here, for better or worse.

[lanerd]

We have the Good Sam insurance previously through GMAC but now National General. Haven't had a claim but rates are good. They also allow a "storage" reduction for when your rv isn't being used. It reduces the overall coverage to just "comprehensive", and a substantial refund.

I don't know about MO, but in CA, if the rv is title free (no loan), you can actually put the vehicle in a non operation condition (through DMV) and eliminate the insurance all together. However, some insurance companies will increase your premium when you re-register. I do this with my cars that I don't use during the summer, and so far Good Sam has not increased my premiums at all.

Another good thing about getting insurance through Good Sam is that if you have any kind of a problem/dispute, you can come back here to rv.net and post your problem on the Good Sam Insurance forum and get an almost immediate response. That's a great feature....and you know what I'm talking about if you've ever tried to contact your insurance company over the phone.

Hope this helps

Ron

[BuckBarker]

Jim Shoe wrote:
My RV and toad are insured by the agent that insures my daily driver. It doesn't really matter until you have a claim, so up 'till now, I'm satisfied. Rates and coverages are determined on a state by state basis by law. Some national insurance companies don't offer insurance in every state for a variety of reasons. Mostly due to state regulations. Very few companies would offer homeowner's insurance in Florida because of the potential for hurricane damage along the coasts, so they aren't allowed to sell auto insurance unless they offer homeowner's as well. Florida divides the coasts into smaller areas and companies must offer insurance to a set number of homeowners in each area in order to sell auto coverage state wide. Auto is a gold mine in Florida, because half the inhabitants don't drive over 20 MPH. 🙂

You are VERY much mis-informed about insurance in FL. True that very few companies write homeowner's policies here but that DOES NOT prevent them from writing auto/rv/boat policies. I have Progressive for the RV but they don't write homeowner's policies here. And, that 20 mph business is just nonsense.

[mpfireman]

AAA. I only have full coverage during our camping season, from about mid May to mid Sept, cost only 35 dollars extra, over the non usage , storage months. The camper policy is tied into our auto and truck coverage. And cost less than 100 dollars annually..

[stro1965]

State Farm here too. In fact, I just refinanced it at a much lower APR with State Farm Bank. Who knew?

[Jim_Shoe]

My RV and toad are insured by the agent that insures my daily driver. It doesn't really matter until you have a claim, so up 'till now, I'm satisfied. Rates and coverages are determined on a state by state basis by law. Some national insurance companies don't offer insurance in every state for a variety of reasons. Mostly due to state regulations. Very few companies would offer homeowner's insurance in Florida because of the potential for hurricane damage along the coasts, so they aren't allowed to sell auto insurance unless they offer homeowner's as well. Florida divides the coasts into smaller areas and companies must offer insurance to a set number of homeowners in each area in order to sell auto coverage state wide. Auto is a gold mine in Florida, because half the inhabitants don't drive over 20 MPH. 🙂

[rk911]

Hondavalk wrote:
State farm gets my vote :B

me as well.

[Hondavalk]

State farm gets my vote :B

[rockportrocket]

Explorer rv ins. Dayton Ohio /