RV.Net Open Roads Forum: Class A Motorhomes: Best RV Insurance ?

RV Blog

  |  

RV Sales

  |  

Campgrounds

  |  

RV Parks

  |  

RV Club

  |  

RV Buyers Guide

  |  

Roadside Assistance

  |  

Extended Service Plan

  |  

RV Travel Assistance

  |  

RV Credit Card

  |  

RV Loans

Open Roads Forum Already a member? Login here.   If not, Register Today!  |  Help

Newest  |  Active  |  Popular  |  RVing FAQ Forum Rules  |  Forum Help and Support  |  Contact

Search:   Advanced Search

Search only in Class A Motorhomes

Open Roads Forum  >  Class A Motorhomes

 > Best RV Insurance ?

This Topic Is Closed  |  Print Topic  |  Post New Topic  | 
Page of 4  
Next
Sponsored By:
mdprince

Santa Clarita, CA

Senior Member

Joined: 11/13/2004

View Profile


Offline
Posted: 02/19/12 02:45pm Link  |  Print  |  Notify Moderator

I've been with AAA since 1970 and we have all our cars, jeeps, etc. insured with them. I just automatically added the RV when we bought it. We are definitely getting a multi vehicle discount, BUT, is it the best company for RV insurance ?? I upgraded our towing to include RVs, but the one time I needed a tow (stuck in the sand), I was charged $700. (this was admittedly off-road and not near any large city)

I have already moved our 1972 Firebird to a company that just insures classic cars.

I've done some research but not enough to qualify as due diligence !

I would like to hear from this great community regarding your findings and real world experiences with any and all companies.

One question I have is: Should the coach ever be a total loss, are there companies that would pay for a new coach of the same quality, and, if so, is that premium too expensive. I definitely don't want to be underinsured.

Thanks and safe travels

Michael


2006 Revolution LE 40E
2004 Jeep Rubicon Toad/Brake Buddy or
20' Toy Trailer/Quads 'n Dirt Bikes


RLHAMILTON

HOME

Full Member

Joined: 10/02/2008

View Profile



Good Sam RV Club Member

Offline
Posted: 02/19/12 02:53pm Link  |  Print  |  Notify Moderator

Good evening Michael. In my opinion you would be better off obtaining your RV insurance through a company (Good Sam (GMAC), Miller, etc.) that specializes in insuring RVs. We have had our autos insured with State Farm since the early 1960s, but wouldn't go to them for coach insurance. Auto insurance companies normally cannot relate to the coverage required for an RV. The premium for full replacement cost is not really cost prohibitive, but the normal restriction is that the coach must be new or within 5 years of manufacture.


DICK & JUDY HAMILTON
2011 FOREST RIVER BERKSHIRE
2014 FRONTIER TOAD
LIFETIME GOOD SAM MEMBER
FMCA MEMBER F-386544

Wills250psd

walnutcove NC

Senior Member

Joined: 08/13/2011

View Profile



Good Sam RV Club Member


Posted: 02/19/12 04:25pm Link  |  Print  |  Notify Moderator

progressive.

tjholyoke

Maine

Senior Member

Joined: 08/23/2007

View Profile


Offline
Posted: 02/19/12 04:32pm Link  |  Print  |  Notify Moderator

We have ours with Progressive. We have had excellent service when needed. Good roadside assistance (have had to use it once) for a reasonable fee. We have the coverage for use between 30-150 days/per year. I can't say how it is for full-time coverage. But it covers the motorhome as well as personal effects.





rvrepairnut

bc

Senior Member

Joined: 11/11/2011

View Profile


Offline
Posted: 02/19/12 04:42pm Link  |  Print  |  Notify Moderator

RLHAMILTON wrote:

Good evening Michael. In my opinion you would be better off obtaining your RV insurance through a company (Good Sam (GMAC), Miller, etc.) that specializes in insuring RVs. We have had our autos insured with State Farm since the early 1960s, but wouldn't go to them for coach insurance. Auto insurance companies normally cannot relate to the coverage required for an RV. The premium for full replacement cost is not really cost prohibitive, but the normal restriction is that the coach must be new or within 5 years of manufacture.


lots of RV insurers will only go 2 years if your the second owner
A full timer friend of mine just renued his 43ft Allegro bus through
http://www.priorityrvnetwork.com/insurance.aspx and he claims he saved 2000$ on his insurance package

hanzfranz60

Everywhere USA

New Member

Joined: 12/15/2011

View Profile



Posted: 02/19/12 06:11pm Link  |  Print  |  Notify Moderator

I'm a fulltimer and have Freightliner and Fiver through Progressive. I have checked elsewhere and had agents tell me to stick with them. They are the best for RVers!

BobGed

Carson City, NV

Senior Member

Joined: 07/28/2008

View Profile



Good Sam RV Club Member

Offline
Posted: 02/19/12 06:43pm Link  |  Print  |  Notify Moderator

In addition to Progressive, I would suggest also getting quotes from Geico and Nationwide.


2009 Tiffin Phaeton 40QSH
2014 Jeep Cherokee Limited

Vettejim

N.W. Indiana

Full Member

Joined: 10/21/2006

View Profile


Offline
Posted: 02/19/12 07:14pm Link  |  Print  |  Notify Moderator

National Interstate, Richfield, OH. It is a RV Policy not a glorified car policy
they offer replacement insurance, will insure an LLC, unlike a lot of others. Had a compartment door come open and torn off at interstate speed, caused 7K in damage. They where great to work with....


2006 American Eagle 40J TS
2009 Grand Cherokee Overland 4X4, Hemi
2009 Dodge Ram 1500 Crew Cab larimie 4x4 Hemi
2000 Corvette on a Bri-Mar trailer
Ruby & Willy, the Cavalier King Charles Spaniels

rvrepairnut

bc

Senior Member

Joined: 11/11/2011

View Profile


Offline
Posted: 02/19/12 08:37pm Link  |  Print  |  Notify Moderator

hanzfranz60 wrote:

I'm a fulltimer and have Freightliner and Fiver through Progressive. I have checked elsewhere and had agents tell me to stick with them. They are the best for RVers!

my buddy,s 2009 allegro bus/2007 tahoe suv fulltimers insurance policy was 2K cheaper through NW verses progressive,Geico,gmac
He was with progressive and they wanted almost 4300$ for this policy
He went with NW for 2K less same exact coverage

Executive

California/Arizona/South Dakota

Senior Member

Joined: 02/07/2008

View Profile





Offline
Posted: 02/19/12 10:21pm Link  |  Print  |  Notify Moderator

No one can tell you which insurance company offers the cheapest rates for YOU...... I just did an insurance comparison since my insurance is due March 1st. Allstate, Geico, Progressive, State Farm, National InterState/Gilbert/Explorer, AAA and 21st Century. Of all of them Geico was by far the most expensive, followed by Progressive. AAA doesn't insure full timers. Explorer was the least expensive by almost $500. They were also the only company to offer a 1 year policy. All others were 6 mo. I have had no accidents, no tickets and no claims in the past 5 yrs. That said, what works for me may not work for you. A word of caution though...if you get many quotes, as they run you through credit checks. that will impact your credit score, if that's important to you. Getting five or six quotes may lower your score 10 points or more......Dennis


MY SENSE OF HUMOR IS THE MAIN REASON I'LL MOST LIKELY GO TO HELL !
Dennis and Debi Fifth Year Full Timing
Monaco Executive M-45PBQ Quad Slide
525HP Cummins ISM 6 Spd Allison
2014 Chevrolet Equinox LTZ W/ ReadyBrute
CLICK HERE TO VIEW OUR TRAVEL BLOG


This Topic Is Closed  |  Print Topic  |  Post New Topic  | 
Page of 4  
Next

Open Roads Forum  >  Class A Motorhomes

 > Best RV Insurance ?
Search:   Advanced Search

Search only in Class A Motorhomes


New posts No new posts
Closed, new posts Closed, no new posts
Moved, new posts Moved, no new posts

Adjust text size:

© 2014 RV.Net | Terms & Conditions | PRIVACY POLICY | YOUR PRIVACY RIGHTS