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Old 07-26-2015, 10:58 AM   #21
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I set mine up on msrp. I compared what I bought it for to msrp and it was another 65 a year. There was over 12k in difference in what I paid and keep

I was just shopping for insurance quotes on a house I am trying to buy, everyone over 15 companies was almost 2k just for house. Called up Grange and they were 800. They blew me away on everything with more coverage. It does pay to shop around.
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Old 07-26-2015, 11:10 AM   #22
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From the other side of the equation: I owned a race car prep shop where we built and worked on competition type cars. However, often a customer would come in and ask us do some work on one of their street cars that was insurance covered. (ECU theft, engine and or trans damage after theft or accident, etc.) State Farm was VERY easy to work with and never pushed hard for us to use "refurbished", or Chinese parts. And they paid promptly.
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Old 07-26-2015, 11:16 AM   #23
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re: Good Sam / Camping World (same company). I would no longer buy much of anything from them or through them. They spend more money sending out trash mail (and email) than even any CC company that I seen. That only time you don't get mail fro them is when you actually order something. Based upon the stories I hear and experienced, I can't imagine how they remain in business.
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Old 07-29-2015, 11:27 AM   #24
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Insurance costs are going to vary by the value of the rv. Insurance for A $80,000 fifth wheel is going to be more costly than for a $20,000 25' travel trailer.

Insurance for the 2007 Durango 285RL I had was around $350/yr.
The 2015 Silverback 29RE is $ 548/yr.

When the current term is up next July, I will shop around again, but Shelter has been very competitive so far. They cannot beat State Farm for my home and vehicles though.

Good thread.
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Old 07-29-2015, 12:13 PM   #25
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A wise man once told me...the cheapest insurance is always best, until you need it!!! I have found that to be true also as I listen to horror stories of friends who suffered large losses by going with the cheapest ins. Some cheap things are probably great, but the cheapest doctor when your sick or the cheapest attorney when in a bind or the cheapest accountant along with the cheapest insurance...is just not something I would subscribe to!
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Old 07-29-2015, 12:42 PM   #26
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Home, Auto and RV thru Progressive, $374 a year. Policy says it's insured for Actual Cash Value at time of Loss. $500 deductibles.
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Old 08-11-2015, 11:50 PM   #27
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"...actual cash value at time of loss..." Isn't that just another way of saying "...depreciated book value"? And it's always "their"book.
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Old 08-12-2015, 07:41 AM   #28
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Quote:
Originally Posted by Davidg View Post
"...actual cash value at time of loss..." Isn't that just another way of saying "...depreciated book value"? And it's always "their"book.
I believe that's waht it means, pretty common in the insurance industry I think. I'm sure if I wanted to pay more I could get insured for full replacement value.
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Old 08-12-2015, 12:46 PM   #29
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Lol I disagree with prices , they go by the units year and model so prices very big time . I have shopped around and stayed with the company that had my policy when we had the motorhome and that is through FMCA which also writes for Good Sam .
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Old 08-12-2015, 01:28 PM   #30
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I believe the value of the rv will always influence the price. Notice that they always get the VIN number? With the VIN, they can tell which options a trailer has. For ex; two motor homes, same make and year model, one is a base model, the other with high dollar options, will require different premiums.

In this area, A base model half ton truck is approx $600/ year with State Farm. Add 4 wheel drive and the annual premium goes to $740.

Just sayin'....
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