Reply
 
Thread Tools Display Modes
Old 05-09-2016, 03:19 PM   #1
Senior Member
 
karrun's Avatar
 
Join Date: Jan 2015
Location: Chicago Western Burbs
Posts: 428
RV insurance cost?

Hope this isn't considered too personal, but I was wondering if people would be willing to share what they are paying for RV insurance. I know the cost varies according to coverage, but from what I am gathering, we are on the high side. I did get quotes from three different companies last year when we first shopped around.
We have a 2106 Roo 21SS. We don't full time. We pay $364/yr with a $500 deductible from Good Sam (Allied). We have comprehensive and collision, vanishing deductible, roadside assistance, awning coverage, replacement value. Anything else I'm forgetting to list?
__________________

__________________
2016 Roo 21SS
2005 Ford Excursion-Sherman
Mods so far:
PI hardwired EMC, Wire Shelving in wardrobe
Plexiglass screen door protector, Blue LED Wine nook
stairs, and counting...
karrun is offline   Reply With Quote
Old 05-09-2016, 04:03 PM   #2
Senior Member
 
Join Date: Sep 2010
Posts: 1,563
Sounds reasonable. What others pay is irrelevant since insurance amounts change in every state and every zip code within a state. What would matter to you is quotes from others companies for your trailer within similar coverages.


2010 F250 5.4L 3.73
2011 Flagstaff 831FKBSS
Equal-i-zer 4pt 12K
__________________

__________________

2011 Flagstaff 831FKBSS
2010 F250 4X4 5.4L 3.73 LS
EQUALIZER E4 1200/12000
lbrjet is offline   Reply With Quote
Old 05-09-2016, 04:10 PM   #3
Fulltime family RVer
 
ependydad's Avatar
 
Join Date: Nov 2011
Posts: 14,235
Quote:
Originally Posted by lbrjet View Post
Sounds reasonable. What others pay is irrelevant since insurance amounts change in every state and every zip code within a state. What would matter to you is quotes from others companies for your trailer within similar coverages.
This. My fulltimer insurance over TRIPLED when I switched from Maryland to Florida.
__________________
2012 Ram 3500 DRW/crew cab/long bed/4x4/4.10 gears pulling an early 2013 Sabre 36QBOK
Checkout my site for RVing tips, tricks, and info | My family and I have fulltimed since June 2015
ependydad is offline   Reply With Quote
Old 05-09-2016, 04:49 PM   #4
Senior Member
 
karrun's Avatar
 
Join Date: Jan 2015
Location: Chicago Western Burbs
Posts: 428
I didn't realize this, especially since the whole point of having an RV is to travel to different states.
__________________
2016 Roo 21SS
2005 Ford Excursion-Sherman
Mods so far:
PI hardwired EMC, Wire Shelving in wardrobe
Plexiglass screen door protector, Blue LED Wine nook
stairs, and counting...
karrun is offline   Reply With Quote
Old 05-09-2016, 04:58 PM   #5
Fulltime family RVer
 
ependydad's Avatar
 
Join Date: Nov 2011
Posts: 14,235
Quote:
Originally Posted by karrun View Post
I didn't realize this, especially since the whole point of having an RV is to travel to different states.

Where the RV is garaged (generally speaking: where your license address is) is what the rates are based on.
__________________
2012 Ram 3500 DRW/crew cab/long bed/4x4/4.10 gears pulling an early 2013 Sabre 36QBOK
Checkout my site for RVing tips, tricks, and info | My family and I have fulltimed since June 2015
ependydad is offline   Reply With Quote
Old 05-09-2016, 05:00 PM   #6
Senior Member
 
Join Date: Sep 2010
Posts: 1,563
You can travel to any state you want to. Doesn't affect your insurance cost. It is usually based on where it is stored when not using it.


2010 F250 5.4L 3.73
2011 Flagstaff 831FKBSS
Equal-i-zer 4pt 12K
__________________

2011 Flagstaff 831FKBSS
2010 F250 4X4 5.4L 3.73 LS
EQUALIZER E4 1200/12000
lbrjet is offline   Reply With Quote
Old 05-09-2016, 05:49 PM   #7
Senior Member
 
karrun's Avatar
 
Join Date: Jan 2015
Location: Chicago Western Burbs
Posts: 428
That's funny, because mine spends the most time at my brother's being stored when not in use ( a different state) but the insurance company didn't ask that.
__________________
2016 Roo 21SS
2005 Ford Excursion-Sherman
Mods so far:
PI hardwired EMC, Wire Shelving in wardrobe
Plexiglass screen door protector, Blue LED Wine nook
stairs, and counting...
karrun is offline   Reply With Quote
Old 05-10-2016, 11:09 AM   #8
Junior Member
 
thaithco's Avatar
 
Join Date: Apr 2012
Posts: 16
Check progressive....they're very RV friendly. At least here. Indiana


Sent from my iPhone using Forest River Forums
__________________
thaithco is offline   Reply With Quote
Old 05-10-2016, 11:12 AM   #9
Senior Member
 
karrun's Avatar
 
Join Date: Jan 2015
Location: Chicago Western Burbs
Posts: 428
Thanks. Progressive was almost $100 higher than Allied whom we went with.
__________________
2016 Roo 21SS
2005 Ford Excursion-Sherman
Mods so far:
PI hardwired EMC, Wire Shelving in wardrobe
Plexiglass screen door protector, Blue LED Wine nook
stairs, and counting...
karrun is offline   Reply With Quote
Old 05-10-2016, 11:33 AM   #10
Junior Member
 
thaithco's Avatar
 
Join Date: Apr 2012
Posts: 16
Suppose that may be why they're so RV friendly


Sent from my iPhone using Forest River Forums
__________________

__________________
thaithco is offline   Reply With Quote
Reply

Tags
insurance

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.

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 03:15 AM.