Originally Posted by Drenjoey
We're insured with AARP the Hartford. Insurance on our 2016 Roo 23ws.....$30.00 a year with a deductible of $500.00.
Our insurance cost for the year is $1100.00 (Three vehicles and one camper).
I asked my son-in-law (who works at Progressive), if he could beat that price and he said " No Way"
That $30 is for a trailer towed camper, correct. I was paying an extra $50 a year on the 26' 5th wheeler we had and am currently paying an extra $55 on the truck policy for to cover all my trailers including replacement cost on the motorcycle transport along with its contents.
Feel lucky your not in Michigan with its $250 a year stauatory assesment for Major medical and no fault on each and every vehicle you insure. so the Insurance companies can have higher profit margins
My wife and I are what you call insurance poor. WE do have AAA and get their premier discounts along with a group discount through her work, and multiple policy discounts...
Now before you say to change, Have you ever noticed how when one company brags to provide the best deal and then compare themselves to others, They never use AAA in their comparison
It's because those companies usually can't beat the price of AAA once all the discounts are taken into account.
every vehicle we have carries
$500 deductible collision coverage. Motorcycles $250 deducible.
$100 deductible replacement cost comprehensive coverage
$3,000 accessory coverage.
$100,000/$300,000 Bodily Injury Liability.
$100,000 property damage liability.
$100,000/$300,000 uninsured and under insured motorist coverage
Work loss income coverage
Medical care coverage
$30 a day for 30 days rental insurance
and a quite a few other things that are included in the policies.
yearly coverage costs
2004 Chevy Silverado SLE Extended cab 2500HD 4wd with $10,000 coverage on any trailer I tow inlcuding full coverage on the 2016 NEO NAM127TR all aluminum motorcycle transport trailer- $1060 yearly
2015 Chevrolet Equinox LTZ AWD - $1400 yearly
2017 Forest River Sunseeker MBS2400WS - $1800 yearly
2015 Honda Shadow Aero - $365 yearly
2015 Honda Shadow Phantom - $365 yearly
remember to knock $250 off each of those numbers to get a real insurance cost.
My oldest step-son lives in Indiana, has 5 vehicles insured, carries the minimum, no collision or comprehensive, insurance possible and gets away with paying about $1200 a year but that is for the most basic coverage with wreck the car or get it stolen, you pull the cash out of your pocket to replace it.
Now those of you who claim to have real good motorhome insurance deals may want to check your coverage real close, especially since you travel around the country because should you get in an accident you may end up in a world of hurt for lack of the much needed coverage
Here in Michigan although the politicians call it NO-FAULT insurance coverage, We call it MY-FAULT insurance because, Your insurance pays for all damages and then they go after the other insurance should the other person involved be 51% or more to blame. If your not carrying enough insurance, your screwed.