Insurance recommendations

[joelh]

Who are you folks using to insure your travel trailers? Mine is included with my autos via Geico. The premium on the autos is pretty good but the trailer premium seems awfully high.

[Heymon]

The discount insurance companies make it quite easy to pay your premiums, but when it comes time to make a claim they can sometimes be less accommodating with customer service and settlements. If you never have to make a claim it won't matter, but having a good agent can be useful at times. I look at insurance as a bet that you hope to never cash in.

[seaeagle2]

We used Progressive for our boat and use it for our TT., At the time we got our boat our Auto insurance company didn't insure boats so use Progressive.

[Tvov]

I have insurance through The Hartford, and love it. They have great service and so far have had lower, or at least equal, rates to any other insurance I've looked at.

[4X4Dodger]

Deep Trax wrote:

Skid Row Joe wrote:
USAA is another one that will fry you alive turning up your rates.

I've been a USAA member since 1974 and could not disagree more. Every 2 years or so, I get a couple of quotes from State Farm, Allstate, Nationwide, Geico, Progressive, etc and I've found no one that can beat USAA's auto policy rates. I don't recall ever getting a rate increase of more than $10 - $15 on a 6 month policy and that only happens every few years.

USAA also profit shares with their members and I usually get an annual check of $35 to $80 which more than offsets any rate increase I may have received.

Unfortunately USAA no longer insures boat/RVS and does not insure homes in my state or they would have all my business.

My TT insurance is with Progressive.

I just quoted my insurance with USAA and they came back 1 1/2 times MORE than my best quote which came as an AARP member from The Hartford Insurance Co. (I was quoting right from my current declarations page and all quotes were for equal coverage)

They were all quoted with a SD address. (much cheaper than ND I might add)

[Deep_Trax]

Skid Row Joe wrote:
USAA is another one that will fry you alive turning up your rates.

I've been a USAA member since 1974 and could not disagree more. Every 2 years or so, I get a couple of quotes from State Farm, Allstate, Nationwide, Geico, Progressive, etc and I've found no one that can beat USAA's auto policy rates. I don't recall ever getting a rate increase of more than $10 - $15 on a 6 month policy and that only happens every few years.

USAA also profit shares with their members and I usually get an annual check of $35 to $80 which more than offsets any rate increase I may have received.

Unfortunately USAA no longer insures boat/RVS and does not insure homes in my state or they would have all my business.

My TT insurance is with Progressive.

[chryslermastert]

state farm for 3 cars and travel trailer. trailer @500.00 180.00 per year full coverage

[mike77leprechau]

I am with progressive for the Rv I have geico for the autos and wanted to combine them all and geico was $590 more a year.... So I checked with combining my autos and Rv with progressive and it was about $1200 more that way so I am keeping the. Separate for now I carry full replacement as well it's dumb not to IMO

[4X4Dodger]

So much depends on the state you are in and how the insurance companies view that particular state and the rates in that state.

Try going to this site: http://www.insure.com/car-insurance/car-insurance-rates.html

They have done exstenive research/testing on which states have the lowest rates and which companies have the lowest rates.

I pay just over $100 year for my insurance and it includes $3000 of personal property coverage for stuff in the trailer. This is very important because if you have two laptops, a TV and other electronics in the trailer when something happens most companies don't cover that or cover a lesser amount.

I have National General through GSE.

[oakbowery]

We have progressive. $200 a year.

[rbpru]

Being new to TT towing and having bought a used TT, we bought a four year policy that would pay the "sale price" if totaled.

It was not cheap of course but I figured if I had not driven it off a cliff by then, I could switch to a standard depreciated value policy.

[campigloo]

I have Safeco for home auto and rv. Been really happy with them. Rv about $420 yr acv

[BubbaChris]

The honest truth about auto policies is the competition and quality varies by what state you live in. I strongly suspect the same is true for RV coverage as well.

My AAA agent here sold me a TT policy from Progressive.

[Ron3rd]

Our Mercury agent placed us with Progressive.

[RavensFan24]

We use Progressive. I've got the full replacement coverage and diminishing deductible with comprehensive and collision with $250 deductible and it's about $850/year. For a brand new trailer, I'm happy to pay that price for the level of protection.