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Open Roads Forum  >  Class A Motorhomes

 > Insurance-How Much?

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Jayco-noslide

Galesburg,Il., USA

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Posted: 01/31/13 01:43pm Link  |  Print  |  Notify Moderator

We are considering going from a small 5th wheel towed by a half-ton truck which is our only vehicle to a Class A probably in the 1995to 2002 range and towing a small car behind. I know there will be some additional costs to this arrangement but I have no idea how much insurance on the MH might cost. A trailer is very reasonable but is insuring a MH comparable to a car/truck or more? How much do you pay? Also, wonder if a Class C would be any less?


Jayco-noslide

ncrowley

Utah

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Posted: 01/31/13 01:51pm Link  |  Print  |  Notify Moderator

The amount you pay for insurance is based on the cost of the RV and the coverage that you select. I would really shop around because I found there were significant differences in rates for the same coverage.


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Mandalay Parr

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Posted: 01/31/13 01:57pm Link  |  Print  |  Notify Moderator

Like said above. Call some agents and get some estimates. Not necessarily quotes but some ballpark estimates.


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Dadio24

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Posted: 01/31/13 02:01pm Link  |  Print  |  Notify Moderator

X2 and if not using fulltime, make sure you can suspend road/driving coverage when parked in barn for months.





mfitz709

Tennessee

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Posted: 01/31/13 02:42pm Link  |  Print  |  Notify Moderator

I'm paying $231.25 for 6 months with Geico...


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MSHappyCampers

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Posted: 01/31/13 04:15pm Link  |  Print  |  Notify Moderator

The insurance on our MH is about $850 per year.


Joe & Annette

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WyoTraveler

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Posted: 01/31/13 04:23pm Link  |  Print  |  Notify Moderator

It is very difficult to compare insurance costs. The reason being if I owned nothing & & lived pay check to pay check I could insure at state minimums. If I were worth millions I would want to insure at the maximum. Many of us are some where in between. We have to decide what we personnaly need to protect us. I would call several companies & discuss your personal needs.


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bsinmich

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Posted: 01/31/13 04:51pm Link  |  Print  |  Notify Moderator

The only answer here that would mean anything to you is if it was from someone in Ill. who lives in the same town as you do. Every state has their own regulations and companies will also vary their rates by the desire to insure certain products in certain areas.


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Cobra21

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Posted: 01/31/13 04:54pm Link  |  Print  |  Notify Moderator

Our motor home is about $360 a year. It's a 1993 in nice shape.
They have it priced knowing it's parked more than is used so
dropping part of the coverage for storage only is not an option. Agent said too
many people forget to call in to stop and restart the policy.
Just easier this way without the hassle.

Brian

PastorCharlie

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Posted: 01/31/13 07:02pm Link  |  Print  |  Notify Moderator

Depends on who you want to cover, your own rig or the one you may accidentally hit. State minimums will not cover a total loss to another high dollar rig, which will likely result in a lawsuit to regain the actual damage. That may result in a worst nightmare than the accident itself. Do not forget that should there be serious medical injuries to another party it does not take long in a hospital critical care to run up a million dollar bill, many injuries are lifetime treatments.

Getting under insured or non insured coverage added to your policy will also help protect your own should someone his you and not have insurance or to little to cover your loss and injuries. There are irresponsibility people on the highways and you and your family are at risk from their negligence.

The real cost of insurance will reflect what you cover and to what extent. Things can be replaced but pain, suffering, and death are the real issues that need to be considered when insuring a vehicle.

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