New Solera owner looking for insurance

[Terier]

Originally Posted by gb73071

If you go to the Progressive site they show different rates based on the number of days you plan to use your RV. It has: less than 30 days, 30 to 150 days, more than 150 days, etc. For myself I predicted 90 days would be the max. Therefore a lower rate than if I was a full timer.

I don't understand Progressive but then I am dealing with them with an auto accident (rear ended on freeway - total impact on my hitch). Their customer was found to be 100% at fault but Progressive refused to get my truck fixed. I guess that would be another thread so let's get back to the topic.

Is your RV covered for the whole time but the rates are based upon how often it will be used & number of chances there could an accident? How do they know how often you actually use it? Is it an honor system?

At the RV show in Pomona CA Progressive was one of the companies I was considering for RV coverage among with Farmers. It got too confusing so I stayed with the company I have. Needless to say I won't be using Progressive in the future but am glad to hear that they usually do take care of people well.

[gb73071]

You are covered all the time but the picing is based on how much you use your RV. Its honor system for the most part but if you had a serious accident and you had chosen the cheapest tier they may be able to show you had actually used it more than you paid for. I would rather be covered and not worry just to save a few bucks.

[Terier]

Originally Posted by gb73071

You are covered all the time but the picing is based on how much you use your RV. Its honor system for the most part but if you had a serious accident and you had chosen the cheapest tier they may be able to show you had actually used it more than you paid for. I would rather be covered and not worry just to save a few bucks.

Thanks for explaining. With Allstate I pay $534 a year with a $50 deductable, $5k personal stuff coverage and no usage limit. Living in SoCal I use my trailer year round.

After looking at the cost of Allstate I can see the value of Progressive to other RVers for coverage.

[Mountainmanbob]

with Progressive they also ask
where the RV will be parked
better rate if parked at one's home
make sense
MM