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Old 07-11-2016, 08:41 AM   #1
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Insurance Costs

An often re-occurring question on this and other forums is suggestions on RV insurance for motor homes. I am investigating options on possibly replacing Progressive, whom I've been with since 2012. Since then their rates for me living in western NY state have gone up over 30%. I replaced my auto insurance this past Spring because Erie Insurance's rates sky rocketed too. I was told that companies that had huge pay outs because of Super Storm Sandy a couple of years back are starting to make up for their losses with rate increases. Has anyone heard of or are using ExplorerRV insurance?? I got a rate quote from them via internet that is 37% less than my Progressive Renewal. Not a fan of State Farm, or Geico and the last time I got quoted from Good Sam they were outrageous. Any and all comments and suggestions are appreciated.

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Old 07-15-2016, 06:56 AM   #2
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Look at Blue Sky. They were the cheapest for us, even at renewal, and have been very responsive so far.

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Old 07-15-2016, 08:22 AM   #3
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Comparision of Insurance Coverage

Recently, I performed a "search is my friend" on as many threads for insurance as I could find and read ALOT of useful information. I contacted ten or more companies to compare coverage and cost. What I learned:

1. Each state has different rates for each company
Example: The same cost with the same RV with the same person can be different depending on where you live

2. Coverage options vary by company in - age of RV - original owner or not

3. Service from the carrier is the most important, this I found very useful on the "search is my friend"

The best coverage for me was Good Sam:
RV Insurance - RV Insurance Online : Good Sam RV Insurance
My Rate is $434 for 12 months if paid in full this is the policy that I created

Comprehensive: 1000 Deductible

Collision: 1000 Deductible

Diminishing Deductible: YES

Replacement Cost: YES

Personal Effects: 3000

RV Vacation Liability: 300,000

Storage Option: YES

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Old 07-15-2016, 08:28 AM   #4
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Many times costs go up because you got older. Most folks don't realize that, but old folks pay more. Just one possibility.

Also, rates vary immensely by region. The above poster had best rates from Good Sam. They were triple, believe it or not, what Progressive was for me.

It is impossible to say, on a web site covering North America, that Company X is the best, in either rates or service.
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Old 07-16-2016, 04:52 AM   #5
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Geico has great rates if you have other cars on the policy
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Old 07-16-2016, 05:30 AM   #6
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I just stick with Progressive for everything ... house, cars & RV.
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Old 07-16-2016, 06:14 AM   #7
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Insurance costs what it costs and if you can afford an $85,000 RV or a $60,000 dually, you can't expect to pay the same as if you had a $1500 popup camper, or a ten year old Toyota.

Insurance varies state by state also. Here in Michigan, with the Michigan My Fault Insurance, The state tacks on a $202 a year fee on each insured vehicle, and yes insurance is mandatory here, so the insurance companies only have to pay out $500,000 on a medical claim, the fund pays out the rest.

down in Indiana, insurance is 1/4 the price of what we have here, but, their minimum coverage isn't near what Michigan requires.

I just got my renewal policy from AAA, I have been with them for what seems like forever, why, because no one can come near to the coverage I have for the price I pay.

The reason, Retired, under 7500 miles per year, Safety belt, Premier, Air bag, Multiple car, Multiple product, Anti-theft device, defensive operating certificate (motorcycle), and another discount because of the Corporation my wife works for.

Yes they do offer discounts to the employees of certain major corporations who set up a group policy.

Because of a 760+ insurance score, yes they have insurance scores just like credit scores, we get a 59% discount for that alone.

When comparing insurance companies, make sure you are comparing apples to apples when pricing instead of apples to oranges.

BTW, the insurance went up a bit over last year, remember, insurance companies are not in business to LOSE money, so the more they pay out, the more they have to take in.
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Old 07-18-2016, 08:29 AM   #8
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Thanks for the replies guys! I called my Progressive agent and asked why the huge increases? He didn't have an answer only to say there are two or three companies out there, USAA being one, that are buying up the market. Being an independent agent he was going to check his other companies to see what he could come up with and call me back. He never did! Talking with my DW we decided we will stay with Progressive for at least another year because they were responsive last year when my awning got damaged. I'm a bit leery of off name companies such as Explorer and how they would act it I needed assistance from them.
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Old 07-18-2016, 08:38 AM   #9
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It does pay to shop, there is no loyalty with insurance companies. I have been with USAA for 30+ years and they would not cut me any slack (no claims ever other then auto glass) I just switched the TT from USAA (I have four vehicles with them not counting the TT) to progressive and got better coverage at about the same rate. I have a boat with progressive also so they give me multi policy discount.
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Old 07-18-2016, 06:23 PM   #10
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Another inrance consideration

General Insurance (Good Sam) has competitive rates, but it was the only company that would allow the removal of collision coverage while in storage. That means that the cost is appreciably less for any time the unit is in storage.

We come home from Florida in April and store until June /July. Travel in June, July, August. Store for September, November and December. That means our $775 annual bill ends up costing us about $275 less due to changes in coverage while in storage.

Just something to consider...

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