The two big bills come in August...
Since we bought our 2012 Class C last August it is "that" time again. Just got the bill for insurance and registration, both due next month. I was anticipating the insurance (and at $695 I can live...
Forum Discussion
pnichols wrote:Desert Captain wrote:
So you pay a little less on a comparable C that is 7 years older? Assuming your coverage is comparable, I carry more liability than most, you are no better off than I. Much of the cost of insurance is tied to the value of the coach (that they may have to replace). Price your current policy against a 2012 and see what that does for your premiums. I shopped several companies, including GS and didn't find comparable coverage for less.
1) We carry way, way more liability than most. (I'm paranoid.:E)
2) Does your policy pay you the original price you paid for the RV regardless of how many years after purchase a total loss occurs?
:C
Like you but not many others, I chose not to go with the minimum legally required liability amounts, our coverage is significantly higher. This is particularly important when it comes to uninsured/underinsured motorists (which are found in large numbers here in the southwest). This is not "paranoid", merely prudent. :W
Our C is covered for the full purchase price which will continue for the first couple of years. As the value falls with age so will the replacement dollar amount which will coincide with a commensurate drop in that portion of the premium. I know of no company that gives open ended full replacement coverage.
One of the features of having all of my insurance with the local Famers office is the personalized service I receive. Geico and Triple A didn't know me from a hot rock and switching home, auto and RV coverage saved me over $1,000 a year. I make one local call to Kathy (my agent), for any insurance issues and I don't have to press "9" for English. :B
