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Old 02-13-2014, 04:52 PM   #1
Join Date: Mar 2009
Posts: 57
Insurance Shopping Time

Well, just got the insurance renewal form for this year and they jacked it up by almost $400! The insurance rates here in Florida are completely out of hand.

We have a 2008 373, and I would like to know where you folks have found good deals - particularly those on the forum who live in Florida.

The house just went up $600/yr. Now the RV is following suit. Kind of unbelievable.

Any carrier suggestions are appreciated!

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Old 02-13-2014, 11:12 PM   #2
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Join Date: Dec 2010
Location: Apple Valley, CA
Posts: 340
I have Hartford through AARP, and have found it to be the least expensive of any. I had a couple of comprehensive claims, one with the motorhome and one with my wife's car, they were great to work with and took care of business. No rate increase, either. I live in California, so to tell you what I pay would not apply to Florida. Apples and Oranges, no pun intended.

Happy Trails, Forrest

Happy Trails
(Forrest and Donna)
2011 Georgetown 378TS
2011 Ford Escape V-6 4X4
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Old 02-13-2014, 11:33 PM   #3
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Join Date: Jul 2010
Location: Desert SW - Arizona
Posts: 5,875
It's all related to making money. If they have lots of natural disasters they have to payout so they raise everyone's rates. I've been with the same company for over 40 years because no one can beat my rates or coverage.
This month I saw an increase of about 4% which I'm not complaining but when I asked why they said they had to pay out a lot this past year.
Wonder if I can buy into that company and like dividends at the end of the year. lol
2012 Georgetown XL - 378TS 49,000 miles
(2013 - 98 days) (2014 - 117 days) (2015 - 67 days) (2016 - 115 days)
USAF Retired - MSgt

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Old 02-14-2014, 01:23 AM   #4
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Join Date: Dec 2011
Location: Denver, Colorado
Posts: 250
I'm a Florida resident, and use Blue Sky Insurance that I purchase through Lazy Days RV in Tampa. I printed out copies of my RV and toad declaration pages and took them with me to the Tampa RV Supershow in January for comparison quotes. I could not find anyone who was cheaper for the same coverage.

Now, as to whether or not Blue Sky is any good, I do not know. I'm one of those people who pays for insurance, and never seems to need it. Hopefully, I'll never find out...
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Old 02-14-2014, 06:01 AM   #5
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Join Date: Sep 2013
Location: TEXAS
Posts: 717
A couple of years ago changed everything over to Texas Farm Bureau Insurance (no you don't have to own a farm). They beat every policy we had, home owners, auto, Motorhome, Umbrella and farm/ranch land. I had priced out the same policies with just about all the companies that I could think of including with AARP.

When we sold the motorhome and went back to a 5th wheel they are still unbeatable in coverage and premiums.

I checked Google, there is a Florida Farm Bureau Insurance. May want to give them a call.
2013 Ford F350 FX4 4x4 PSD
2013 Wildcat 353LS

2015 Day/Nights Camped 5
2014 Day/Nights Camped 29
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Old 02-14-2014, 07:28 AM   #6
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Location: Gahanna, OH
Posts: 1,417
Shop around online. It's free.
2014 Georgetown 351DS
-TruCenter -Front/Rear CHF -Hellwig Links -Tiger Trak -Ran McNally GPS -ScanGauge -Truck Systems TPMS -5 Star Tune
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Old 02-14-2014, 03:42 PM   #7
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Join Date: Jan 2012
Location: Collierville, TN
Posts: 343
Progressive was the best rate I could find.

Rudy - 10 year old long haired dachshund
2011 Georgetown 350TS
2013 Chevrolet Equinox toad
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Old 02-16-2014, 06:59 AM   #8
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Location: Gahanna, OH
Posts: 1,417
I don't think there is a definitive answer to insurance quotes. Progressive was nearly double from my current Geico policy.
2014 Georgetown 351DS
-TruCenter -Front/Rear CHF -Hellwig Links -Tiger Trak -Ran McNally GPS -ScanGauge -Truck Systems TPMS -5 Star Tune
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Old 02-16-2014, 07:15 AM   #9
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Location: Southwestern Mi
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Progressive beat every rate that I compared to...
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Old 02-16-2014, 08:13 AM   #10
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Join Date: Oct 2013
Posts: 612
We have all of our vehicles with Progressive. My niece has an insurance business that sells multiple carriers.
One thing I learned from her is the cost of ones insurance depends on the state and zip code. Carrier X might be cheaper in one area than carrier Y and then the complete opposite in another area.

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