Reply
 
Thread Tools Display Modes
Old 05-22-2015, 09:25 PM   #1
Member
 
Join Date: Feb 2015
Posts: 58
How is your auto insurance?

I have had Geico Auto insurance for about 15 years, so when we bought our new 5er last February we added it to the Geico insurance. Not a bad deal (so I thought) at that time. The Geico is due to renew on July 7. I received a renewed policy from Geico for my insurance earlier this week and I thought the quote seemed a little high so I gave them a call to ask about the increase in my premiums. I was told that I filed a claim in April against my Geico insurance and I had another claim back in November 2011. I told the guy on the phone that I had not had any claims before that or been ticketed in over four years so why would that make my premiums go up so high. Of course he didn't know.
So now here is the kick in the face from the Ugly Galapagos Iguana, not the cute little green lizard that you see on TV.
I was paying $1772 for 6 months for my 2013 Dodge 2500 & a 2012 GMC Arcadia with the 2015 Silverback 5er. Because of the claim in April they now want me to pay............................................... ...........................
.................................................. ............................................
$4098 U.S. Dollars for six months an increase of about 231%.
That is $8196 per year for auto insurance. NO WAY JOSE!!!!

You want to know what the claim in April was for?? I backed into a mail box pole at a friends house. A $1600 claim!

I looked on line at that cute Little Flo's insurance company (Progressive). Looked like a good deal. $1278 for six months for just the auto. Right! So I called them on the phone, they asked who I had had my insurance with. I told him Geico. He said let me put you on hold while he worked on a quote for insurance. When he came back on the phone he said I see you had a claim, so the price will be a little higher that the price you saw on the web site.
Are you sitting down to read this????
Progressive's quote is $3282.15 for six months and that was without the RV. I almost dropped the phone.
Out of desperation I went down to talk to "Farmers" they have my home insurance. The quote from Farmers is within reason $1329 for the two cars and $773 for the 5er RV. And after looking over the coverage from Farmers there is more that I have been getting from the Ugly Galapagos Iguana.
I'm not sure what the moral to this story is, these are just the facts.
__________________

__________________
Gene85222 is offline   Reply With Quote
Old 05-22-2015, 09:46 PM   #2
Senior Member
 
dan-nickie's Avatar
 
Join Date: Feb 2014
Location: Dallas TX
Posts: 1,506
Didn't you have an RV claim for a power surge that took out a bunch of electronics in April of so?

Still, that all seems very high, even what you were paying before the claims.
Kind of like I was paying after having been on the same insurance company for many years (nationwide) as they all keep going up every year. Seems you have to change companies every year to get lower rates.
I just changed to Geico and my rate is about $1,000 every six months with 2 cars and a new 40' DP.

Of course a lot of things affect insurance rates. From your rate, I assume you are a teenager.
__________________

__________________
Dan
2014 Berkshire 390RB-60
dan-nickie is offline   Reply With Quote
Old 05-22-2015, 10:02 PM   #3
Member
 
Join Date: Feb 2015
Posts: 58
Yes I had a claim for the power surge in the RV but there was never any mention of it. Just the claim for backing into the mail box.
__________________
Gene85222 is offline   Reply With Quote
Old 05-22-2015, 10:17 PM   #4
DDC
Senior Member
 
DDC's Avatar
 
Join Date: Sep 2011
Location: Komoka Ontario
Posts: 2,363
Luck you don't live in Ontario, after you make a claim you cannot switch for three years, a great example of how corporations control governments not vice-versa.
__________________
"Well that didn't go as expected"
2015 Chev 2500HD Highcountry Duramax
Cedar Creek Silverback 33IK
Donald&Casey cairn terrier
Rest in Peace Mary my darling wife.
Scottish by birth Canadian by time.
DDC is offline   Reply With Quote
Old 05-23-2015, 10:38 AM   #5
Member
 
Join Date: Feb 2015
Posts: 56
I pay $2652 a year for a 2015 3500 Denali HD, a 2012 Cruze and a 2015 321 Crusader. Oddly when I added the Crusader it only added about about $450 a year, I think it's lower since we have it on a seasonal site mostly and only take it on the road twice a year.
__________________
OnyxSky is offline   Reply With Quote
Old 05-23-2015, 10:46 AM   #6
Senior Member
 
Oaklevel's Avatar
 
Join Date: Sep 2012
Location: Virginia
Posts: 3,530
This has been a couple years back but my best friend had two not at fault small claims & had Farmers Auto (The other persons companies paid the claims both times) & Farmers cancelled him faster than you can turn around.......... after being with them 25 years To say the least it would be the last company I would use for anything........

__________________

2005 Dodge 3500 Cummins
2017 Wildwood Lodge 4092 BFL
1966 Mustang GT
1986 Mustang SVO
Sadie & Lillie Spoiled Rotten Boxers
Oaklevel is online now   Reply With Quote
Old 05-23-2015, 12:49 PM   #7
Member
 
Join Date: Feb 2015
Posts: 58
Looking at Good Sam insurance

I am looking at Good Sam insurance.
Can any one tell me how their Good Sam insurance has worked out?

__________________
Gene85222 is offline   Reply With Quote
Old 05-23-2015, 01:17 PM   #8
Member
 
Join Date: Feb 2015
Posts: 58
NEVER MIND
Just got a quote from Good Sam and they want $4369 down and one payment of $4369

$8738 per year!!!!!!!!!!!!!!!!!!


The quote from Farmers is $2102 for Six months. I hope I don't LOOK THAT STUPID!!!!!!!!
__________________
Gene85222 is offline   Reply With Quote
Old 05-23-2015, 02:03 PM   #9
Junior Member
 
Join Date: Jul 2014
Location: Ocala Florida
Posts: 17
The Moral is keep shopping around!

Coming originally from the UK, insurance in the USA baffles me just as much as healthcare. For example, I live in N. Florida and when I went to 'Nationwide' for an auto quote they said 'sorry we do not cover your area'. Mmm - so Nationwide is not Nationwide is it ??? - I told them they should change their name - LOL.
I shop around every year for insurance, and I would encourage all of you to do the same - it is amazing how rates and discounts change. Currently I am with Geico and I pay $834.00 for 6 months for my Crusader 295RST 5er, leased 2012 Honda Civic, and 2014 Ram Laramie 2500 6.4L Hemi.
Every few months I get inundated with emails from Progressive, Good Sams etc. promising they can cut my rates but when I get the quotes, so far nobody has beaten the Geico rates.
__________________
Richbam is offline   Reply With Quote
Old 05-23-2015, 02:41 PM   #10
Senior Member
 
dan-nickie's Avatar
 
Join Date: Feb 2014
Location: Dallas TX
Posts: 1,506
I have read a lot of threads on this forum over the years about the insurance. I have never heard of rates like you are being quoted.
__________________

__________________
Dan
2014 Berkshire 390RB-60
dan-nickie is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off



» Virginia Campgrounds

Reviews provided by




ForestRiverForums.com is not in any way associated with Forest River, Inc. or its associated RV manufacturing divisions.


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 10:17 PM.