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06-20-2019, 10:46 AM
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#1
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Senior Member
Join Date: Jul 2014
Posts: 409
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Insurance Prices
Who do you use for insurance and have your rates been going up. I have Progressive and went up again.
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06-20-2019, 11:12 AM
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#2
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Senior Member
Join Date: Dec 2012
Location: Franklin County, MO
Posts: 2,652
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Quote:
Originally Posted by retired on a mountain
Who do you use for insurance and have your rates been going up. I have Progressive and went up again.
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We have ours through American Family (along with our cars/truck and our homeowner's policy) and the rate actually went down significantly last year, compared to the prior year, on the same fifth wheel. We haven't gotten the bill this year, as we only pay it once a year, in the fall.
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Mike and Yvonne
and Sophie, the little white dog
2017 Columbus 320RSC
2021 Chevy Silverado 3500HD DRW 4X4 Duramax
“It's not how old you are, it's how you are old.” ― Jules Renard
"It's not the years...it's the mileage." - Indiana Jones
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06-20-2019, 11:39 AM
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#3
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Senior Member
Join Date: Sep 2016
Location: ALASKA (World's Biggest Campground)
Posts: 6,713
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I have Progressive/USAA. Did get a $7 premium increase this year, but that was expected due to all the claims due to weather in the previous year. It's all relevant. The Insurance Company paid out millions in claims and they will spread their losses out to recoup funds by slight increase in everyone's premium. Last year my premium dropped $14. Funny thing about insurance, we all buy it, but hope we never have to use it.
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'07 K3500 Silverado LT Crew Duramax (LBZ)
2016 Salem 27RKSS
1984 CHEV SCOTTSDALE K20 2GCGK24J0E1XXXXXX (Chevrolet Legends-Class of 2019)
"...exhaust fluid? We don't need no stinkin' exhaust fluid"
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11-12-2019, 10:01 PM
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#4
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Member
Join Date: Nov 2019
Posts: 32
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I’m a USAA member, but ended up buying my insurance through Safeco. Saved $300 with a lower deductible and full replacement cost.
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11-12-2019, 10:11 PM
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#5
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Senior Member
Join Date: Mar 2019
Location: Family room couch
Posts: 4,558
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We switched to Westfield Group to cover everything when we bought the motorhome this year because our long-term provider would not cover anything over 35'. Whatev.
https://www.westfieldinsurance.com/i...ucts/rv/camper
They list two agents in your area:
Olsommer Clarke Insurance Group Inc
Westfield Rise Agency
Honesdale, PA 18431-1941570.253.6330
D R Bluhm Insurance Agency
Honesdale, PA 18431-1846570.253.0191
I attached the policy we received to review in case you're interested. They have a "layup" provision where if you know how many days a year you use the RV they will give you a discount for the times it's not used. Our agent said the days do not have to be consecutive.
Ray
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2020 Georgetown GT5 34H5
2020 Equinox Premier AWD 2.0L/9-speed
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11-12-2019, 11:21 PM
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#6
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Senior Member
Join Date: May 2019
Posts: 4,330
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Three years is about as long as you’ll have with any insurance company before they start sneaking in large rate increases. Then it’s time to shop around, get a lower rate, and start the rate creep process all over again.
The important thing is to keep an eye on the annual rates and bail out when the increase percentage gets too high. Don’t get complacent with your current insurance company.
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2020 Sunseeker 2440DS on 2019 Ford E-450, Trekker cap, Topaz paint
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11-20-2019, 08:55 AM
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#7
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Chief tinkerer
Join Date: Dec 2015
Location: Texan, transplanted to Midwest Georgia
Posts: 816
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Foremost through our Farm Bureau agent. Very competitive.
https://www.google.com/url?sa=t&sour...JgG70JocHEeBF0
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Gary
2017 SunSeeker 3010DS
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11-20-2019, 09:51 AM
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#8
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Member
Join Date: Oct 2019
Location: OHIO
Posts: 36
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Quote:
Originally Posted by BehindBars
Three years is about as long as you’ll have with any insurance company before they start sneaking in large rate increases. Then it’s time to shop around, get a lower rate, and start the rate creep process all over again.
The important thing is to keep an eye on the annual rates and bail out when the increase percentage gets too high. Don’t get complacent with your current insurance company.
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LOL, NOT TRUE!
I've had State Farm since the day I started driving, I've checked around, no one comes close. We've had several claims, even a very large one on our home and they have been great to work with. And our premium decrease a little every year, NOT increase....
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11-20-2019, 10:12 AM
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#9
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Senior Member
Join Date: Aug 2019
Posts: 106
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Quote:
Originally Posted by H3OHIO
LOL, NOT TRUE!
I've had State Farm since the day I started driving, I've checked around, no one comes close. We've had several claims, even a very large one on our home and they have been great to work with. And our premium decrease a little every year, NOT increase....
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How long have you been driving? If over 20 years they should now be paying you to have it LOL.
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11-20-2019, 01:54 PM
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#10
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Senior Member
Join Date: Jul 2018
Location: New Smyrna Beach Florida
Posts: 176
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Had progressive for 2 years, this year because of no claims there disappearing deductible dropped me to 250.00 but they raised my rates by 300.00. Just switched over to Nationwide which was 225.00 less than before the progressive increase with better coverage.
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Don & Liz B.
Pink Retired Greyhound
2016 GTS 2800QSF
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12-03-2019, 08:22 AM
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#11
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Junior Member
Join Date: Dec 2019
Posts: 1
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I have Geico and so far no worries
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12-03-2019, 12:06 PM
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#12
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DW's 401(k) Plan
Join Date: Sep 2013
Location: Western MD
Posts: 2,372
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I've had GEICO for about 3 years.... My premium dropped $40/6 month this last time.
Erie wanted to charge me almost $2200/year for my 2 Jeeps and the Sunseeker.
With GEICO I am paying about $1200/year all for the same coverage.
Kind of a no brainer.
[emoji41]
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"Sunny" the 2017 Sunseeker 3010DS
2006 Jeep Liberty Toad
.... and lovin' life........MOST of the time.
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02-10-2020, 09:20 PM
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#13
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Senior Member
Join Date: Jan 2020
Location: Phelps
Posts: 381
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Guys thanks for the information! Never heard of Erie Insurance before. Just changed over our vehicles and also got the TT insured. Save a bit of money too...
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02-11-2020, 07:52 AM
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#14
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Senior Member
Join Date: Jun 2015
Location: Payson, AZ
Posts: 3,871
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we had everything with geico but they actually outsourced the homeowners to liberty mutual. this renewal the auto and trailer went down but the house went up. so i shopped around and rewrote everything with american family. i ended up with better auto insurance and better homeowners insurance for quite a bit less. the geico auto policy did not include glass replacement and the american family did. i had to pay about $300 last year to replace a windshield that geico wouldn't cover and american family would have. we'll have to wait to see how the renewals go. but each person's situation will be different.
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2015 cardinal model 3825fl
2015 dodge ram 3500 dually
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02-11-2020, 09:20 AM
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#15
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Trailer Park Supervisor
Join Date: Sep 2018
Location: Northern NJ
Posts: 8,566
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My Progressive went from 202 bucks the first year, to 200 bucks with this renewal. I have a smaller TT, think I paid 17.6k for it
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2019 Rockwood Geo Pro G19FD w/off road package
2015 Ford F150 XLT Super Cab 4x4 V8
Yes, I drink the water!
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02-11-2020, 02:10 PM
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#16
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Senior Member
Join Date: Oct 2006
Posts: 1,630
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I priced progressive for my MH and they were far more money than who I have for my cars. By going with my car insurance (American Family) it was much cheaper than progressive and I have coverage for everything inside. I had progressive for my snowmobiles and they were cheaper for that, but not by much.
Whoever you get make sure you get coverage for contents inside the MH (I don’t know the actual term offhand) and make sure you get towing coverage for something as large as A MH!
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2012 Georgetown XL 350TS, Hellwig front/rear sway bars, Sumo Springs, Blue OX True Center steering damper
2013 Ford Explorer LTD toad, Roadmaster Stowmaster 5000, VIP><Tow Brake
Better to have a bad day of camping than a good day at work!
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02-11-2020, 02:24 PM
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#17
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Senior Member
Join Date: Jan 2020
Location: Phelps, NY
Posts: 341
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Quote:
Originally Posted by NJKris
My Progressive went from 202 bucks the first year, to 200 bucks with this renewal. I have a smaller TT, think I paid 17.6k for it
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The trailer portion of our policy was $98 thru Erie, I think the value was $17.1k or so. And, the policy on my SRT-4 includes a 3-month (Dec,Jan,Feb) timeframe that I can't drive the car, which I don't in the winter anyway, saved more doing that. The Progressive quote we got thru the dealer's agent ws $256.
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2016 Jeep Grand Cherokee Overland 5.7
2020 Coachman Apex Nano 187RB Outfitter & Off-Grid
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02-11-2020, 02:25 PM
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#18
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Senior Member
Join Date: Jan 2020
Location: Phelps, NY
Posts: 341
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Quote:
Originally Posted by Dodge Guy
I priced progressive for my MH and they were far more money than who I have for my cars. By going with my car insurance (American Family) it was much cheaper than progressive and I have coverage for everything inside. I had progressive for my snowmobiles and they were cheaper for that, but not by much.
Whoever you get make sure you get coverage for contents inside the MH (I don’t know the actual term offhand) and make sure you get towing coverage for something as large as A MH!
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YES! I noticed that on our policy, covers all the contents. Those power cables aren't cheap.
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2016 Jeep Grand Cherokee Overland 5.7
2020 Coachman Apex Nano 187RB Outfitter & Off-Grid
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05-04-2020, 09:03 PM
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#19
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Senior Member
Join Date: Nov 2019
Location: Boise County, ID
Posts: 651
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Quote:
Originally Posted by retired on a mountain
Who do you use for insurance and have your rates been going up. I have Progressive and went up again.
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I cancelled them. Went from$925 to $325 w Hartford.
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