Insurance cost

Thecoopersgo · 12-19-2013, 09:44 PM

Can anyone tell me a ballpark cost for a new Georgetown XL 360 class A motorhome

Sbryant · 12-19-2013, 11:00 PM

130,000

**ependydad** · 12-19-2013, 11:07 PM

Quote:

Originally Posted by Sbryant

130,000

I think he means the cost for insurance not the motorhome itself.

Sbryant · 12-19-2013, 11:11 PM

Guess you 're right. I'm paying Progressive about 1200 a year which includes 100% replacement.

Sbryant · 12-19-2013, 11:13 PM

Now if he means repair insurance, I checked with Good Sam and was quoted around 40 a month with a 500 deductible. I purchased Corner Stone for a 7 year period at about 3200 which is a lot less than GS

Iggy · 12-19-2013, 11:32 PM

GEICO
$807 for a 2012 378ts XL
Full coverage with $500 deductible on the MH
I also have my other 2 vehicles with them.

Sbryant · 12-19-2013, 11:34 PM

Comes down to the options you choose

alparmer · 12-20-2013, 08:40 AM

We've had Geico for years and no one can beat them for both cost and customer service. I haven't had a ticket or accident in 30 years. DW had a speeding ticket 3 years ago, and a stupid bumper to bumper accident in a parking lot. Basically she was backing up when the back up sensors went off...she stopped and the other person, also backing up, hit her. Her car had a tiny scratch, but the other had more damage. The person that hit her, no license, managed to get money out of our insurance. When we got our new coach I saw one of the stupid Flo commercials and decided...what the heck, let's try it. The price was more than double with progressive. They said it was because of DWs record. This was for two cars, the coach, and a pontoon boat. Really?

Sbryant · 12-20-2013, 08:51 AM

When my policy comes up for renewal I'll check with Geico. We originally went with another company because Geico 'a rate was higher, but that's been several years ago.

Sbryant · 12-20-2013, 08:52 AM

For some reason I also think a person's location also goes into the determination.

Iggy · 12-20-2013, 09:31 AM

Quote:

Originally Posted by Sbryant

For some reason I also think a person's location also goes into the determination.

Yes, they use zip codes to see if you have a high crime rate or something like that. I don't think they steal motorhomes but I have heard of two that were stolen from storage.

2012WhiteSolera · 12-20-2013, 09:58 AM

There are several factors that determine the premium, Storage Location - by State and by Zip Code, Type of Use - Full-Timer vs. Recreational, Discount for Multiple Policies with a Company, Deductible Options - a Higher Deductible Equals Lower Rates, Type of Unit, Age, Driving History, Insurance Claims History, Home Ownership Discounts, Marital Status, and a biggie, Your Credit Rating. Seems with all these varibles the only way to know is get quotes. Turns out in my case, the carrier I was with for many years, wasn't competive at all, so I went with the guy who offered the coverage I wanted for the cheapest price. Mine dropped in half, going solo. However, my carrier where I hold my other insurables, car, house decided to penalize me, by taking away multi-vehicle discounts, for not have all vehicles with them. Good luck!

Sbryant · 12-20-2013, 10:06 AM

Insurance is an evil necessity.

dpbbjc · 12-20-2013, 10:08 AM

Our 2007 Georgetown has never been more than $150 with GEICO when new and on the same policy with our two cars. I don't think anyone beats Geico!

alparmer · 12-20-2013, 10:34 AM

Quote:

Originally Posted by Sbryant

For some reason I also think a person's location also goes into the determination.

Agree, our insurance was higher when we lived in Central FL. It was due to all the bad tourist drivers along with older folk that do not belong on the roads. No State taxes though. DW and I will be moving back either this summer or early 2015.

Cornelius · 12-21-2013, 12:43 AM

There are usually lots of insurance companies at the RV shows. I'll be bringing a copy of my coverage declaration and bill with me to shop around at the Florida RV Supershow next month.

petey · 12-21-2013, 01:51 AM

Quote:

Originally Posted by Thecoopersgo

Can anyone tell me a ballpark cost for a new Georgetown XL 360 class A motorhome

howdy all: I have a 2012 378ts and our mh is insured threw national general insurance,685.00 per year,500.00 deductible,100% replacement cost for 5 years this means fire stolen, wrecked or what ever. They have been good to us so far, no claims or wrecks and so on. We do it all online every year. We live in Oregon Pete

alparmer · 12-21-2013, 09:04 AM

I'm telling you, GEICO is the best out there. I don't work for them or know anyone that does so I'm not promoting them for selfish reasons. All I know is that their representatives are always super nice and speak perfect English. I tried comparing their policy with different companies and no one could beat them. I even went with one of those third party companies that do the leg work for you and even they could not beat GEICO.

Taylorgso · 12-21-2013, 09:16 AM

Carried our Insurance for years on our old DP with Progressive. For a '90s model coach, the last premium on it was slightly under $600/yr. When we traded for the Solera, we simply converted the policy. Got our new bill it was "slightly under $1000/yr. Checked with a policy through GoodSam and premium was $480/yr, with pretty much the same coverage!!! So.... we are now insured with a company under the GoodSam group coverage.

bldhnd617 · 12-21-2013, 09:52 AM

Just purchased a 2014 360XL, checked with lots of insurance companies, found Good Sam to have the best deal at $630 a year and you can put the insurance on hold if you winterize and are not using it. But I also agree it has a lot to do were you live, Im in PA

Bldhnd

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