The two big bills come in August...

[Desert_Captain]

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 with it), but had forgotten that registration is based upon the value of the motorhome....ouch! We paid $47,000 so our Arizona registration came in at $1,035. :S

Just glad we did not buy something more expensive. The good news is the longer we own it the cheaper the tags will get but always wondered just how much a 100, 150 or even a $300,000 coach comes in at. :h I do know it varies quite a bit from state to state. Anyone care to share?

:B

[Dance_Chick]

royl wrote:
Sure glad I am a Florida resident. $70.00 on the motorhome and $60.00 on the car.

Just about the same for us in FL. Insurance is around $700.00

[kd7cxg-2]

Golden_HVAC wrote:
Washington recently changed it's fees, so that it is around $65 per vehicle per year. But they also have sales tax. Advantage to Oregon with no sales tax, but a $10 - $15 per foot long one time fee the first time it gets Oregon plates.

Fred.

When has Oregon charged a one time per foot fee for registration? We moved to Or in 1997, since then I have owned a 5th wheel, a truck camper, a class C, and two class A's, all bought new. I have never been charged a per foot fee, only the regular registration fee. The last time I paid it I think it was $184 for two years. Since then I received a VA disability and get one free vehicle license, no registration fee ever, naturally I put the free license plate on the MH. If I ever want to transfer the free plate to another vehicle there is a $6 transfer fee.

Also, another advantage to living in Oregon is they have no personal property taxes.

Tom

[OldRadios]

NY is cheap compared to others here. I pay $35/year for mine (two years at a time) and annual inspection fee of $25 to a service shop of your choice. Pay sales tax at purchase and that's it. No property tax on anything except actual land/buildings in NY.

[royl]

Sure glad I am a Florida resident. $70.00 on the motorhome and $60.00 on the car.

[antiquedrose]

Too bad we can't do this.

The smaller you are, the more you pay. Johnny Law instructed to be all over the guy pulling an out of state boat (or whatever).

Not sure what we pay on our 2001 Road Trek, Capt'n, will ask later today. Hope you've had a nice summer.

[JamesBr]

In the RV perspective I love VA and the county I live in. In VA a motorhome pays the same as my truck about 47 a year, and due to the county I live in any personal use RV motorhome was just the 25 per year tax sticker fee and the personal properly tax was waived. With my 5th wheel, it was 100 dollar permanent plate, and no tax sticker or personal properly taxes for the trailer due to personal use RV.

[RollandB]

That is why about 15 years back a dealer selling Marathons in Oregon got busted for selling land with it in Oregon just for the purpose of registering the coach in Oregon.

[Desert_Captain]

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

[pnichols]

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

[Desert_Captain]

pnichols wrote:
What's with Arizona RV insurance costs ... anyway??? Wow, the OP is really getting stung there in Arizona.

We have always paid around $600-$650 a year for insurance on our Class C here in CA - and it is a high end policy from Progressive. i.e. For the unfortunate case of a complete lose, our Progressive RV insurance plan would pay us the original amount we paid for the RV - no prorating at all year after year.

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.
:C

[pnichols]

What's with Arizona RV insurance costs ... anyway??? Wow, the OP is really getting stung there in Arizona.

We have always paid around $600-$650 a year for insurance on our Class C here in CA - and it is a high end policy from Progressive. i.e. For the unfortunate case of a complete lose, our Progressive RV insurance plan would pay us the original amount we paid for the RV - no prorating at all year after year.

[lfcjasp]

beemerphile1 wrote:

lfcjasp wrote:
We pay all our insurance premiums in monthly payments, along with the taxes. It's less painful that way.

It is also more expensive that way.

Not on the taxes, MAYBE on the insurance...the main idea is these bills are paid without me having to be harrassed!

[rk911]

Dave H M wrote:
Illinois, where 4 of the last 7 governor's have gone to prison, charges me $102 for the license plates. my last insurance bill for the MH was $413.

here's a suggestion: for those recurring bills, especially the large ones like your registration, set aside 1/12th of the anticipated bill each month in a savings account. when the bill comes due you'll have the cash to pay it. your $1800 would represent about $150 p/m.

Yep it is more economical to have the governors make the license plates for you. :W

wouldn't that be sweet? alas, the last time I actually looked (been a few years) our license plates were mfg in Arkansas. part of the reason...a very tiny part...of why Illinois is dead broke.

[wbwood]

Bought our class c (2013 Thor chateau) last year for $70k. Insurance here on it $450. Registration was about $400. Maybe a little less. Can't really remember. It's based on value. Or what they value it at. Can't complain.