Originally Posted by herk7769
USAA is 219.26 a year with a 500 deductible.
Comprehensive 43.75 per 6 months - pays you, minus the deductible, f o r direct and accidental loss of, or damage to your vehicle caused by fire, theft, earthquake, hail, flood, windstorm, vandalism and other perils not specifically excluded in the policy. Breakage of glass is also covered.
Collision 59.88 per 6 months -pays you, minus the deductible, for direct and accidental loss of, or damage to, your vehicle caused by collision (like a tree or power pedestal) or upset. This coverage is not written without Comprehensive coverage. Pennsylvania law requires every private passenger automobile insurance policy providing collision coverage to be issued with a deductible not lower than $500. However, the law allows you to lower your deductible limit by completing and returning form 60DPA.
Towing and labor on the camper 6.00 per 6 months. Provides emergency roadside assistance (such as towing and flat tire changing).
Gotta love USAA
Is yours listed as automobile insurance? Did you also buy GAP insurance seperately? I've been trying to comparison shop for insurance on the new rockwood TT we are planning on getting once this claim is settled. USAA goes through progressive for RV insurance with replacement cost coverage and we were quoted $950 a year
. I got a quote from CWI using National (?) and it was about $600 a year for replacemnt cost...which I might add has benefits beyond 5 yrs. And, if I make payments then the original price is about $30 more plus $5 fees for each payment.
I pay right now through USAA what you do but the quote on the new TT was Comp 70.83 and Collision $95.01 for 6 months...this is without a VIN # but she said it shouldn't be to far off. $332 a year (rounded). I know GAP cost me $900 2.5 yrs ago on our current (damaged) TT and didn't remember it but when i looked at the policy lately I was reminded that it is only good for 6 yrs. I dont recall if it offers anything beyond that. I dont get charged any kind of fees for making auto bank draft payments.
I guess I am still in a bit of quandary over the price differences just because it says RV or AUTO...(talking comp and collision here) Still not sure what I want to do.
A lot will depend on how well USAA treats us ONCE THEY GET AROUND TO MY CLAIM. So far the customer service has kind of sucked. I say that only because "I" have been the one emailing/calling them to get updates...of which there have been none. I just keep getting told "there are a lot of claims, the local appraiser has you on his list and will get to you when he can". Last email they even went so far as to tell me that there were still a lot of claims and a lot of them were ahead of mine....I thought it was kind of rude the way it was stated. Not having a local person makes me leary of getting lost in the shuffle...
Hmmm....thinking abotu that USAA quote now has me wondering if my basic rates are going to go up because I have a claim against me.