Where to get insurance

[nunyadamn]

Originally Posted by Iraqvet05

I wonder when USAA started covering trailers. 3 years ago when we bought ours, they only covered motor coaches and referred me to Progressive to cover the TT. No problems with Progressive and we pay $30/month even after dropping my Harley off the multi-vehicle policy. I have no had to make a claim with Progressive...that is the true test of a good insurance company.

I am not sure. I had a Class C 3+ years ago with USAA. I know they would not cover my boat and were pointing me to Progressive (which was 5 times the cost of everywhere else for minimal boat coverage). I bought my trailer new in March 2014, so maybe in between they changed.

[Fairenatic]

Originally Posted by jloco

Here in Massachusetts insurance is through the roof. Especially if your zip code correlates to any of the major cities. Regulation forces the prices to be almost identical no matter who the carrier.

Here's what I pay per year for my vehicles. (#5,6 bieng the TT's) And this is with the multi vehicle discount AND perfect driving record. (liberty mutual)

Description Premium

Vehicle1: 2008 TOYO TACOMA $1,127.00 - full coverage
Vehicle2: 2014 VOLV S60 $1,525.00 - full coverage
Vehicle 3: 2004 HD FXDLI $164.00 - no collision
Vehicle 4: 2000 HD FXD $156.00 - no collision
Vehicle 5: 2005 sunn solanta $106.00 - no collision
Vehicle 6: 2016 JAYC JAY FLIGHT $898.00 - full coverage

Total Annual Premium:$3,976.00

Man, you are not kidding. I pay $2160 for three cars with full coverage. Perfect driving record and no accidents. So, I guess I should not complain. The TT added $525 a year and my new policy for the truck is $1050 a year.

Total $3735 That puts us in the same boat, just about. I think my zip code change had a lot to do with the latest price changes, as well. I am now living closer to downtown.

What gets me is that the cars and RV are constantly depreciating and I can not drive all of them at the same time. Just seems multiple vehicles would be a lot cheaper.

Hopefully, when I move out to the country, things will get better.

Thanks for your input.

[NC Roamer]

When we first bought the Greyhawk we got a GEICO policy because we'd had the cars and motorcycle with them for decades. Reading the forum made me realize that we basically had just auto insurance on it, so we shopped around. Found a real RV policy with Progressive providing far better coverage for about 60% of what GEICO was charging. That was a simple decision.

BTW, GEICO wanted to increase our car policy by $500/year. We've been with them since 1978 with never a claim. We switched the cars to Progressive this month. The bike may be next.

[3'senough]

Originally Posted by NC Roamer

When we first bought the Greyhawk we got a GEICO policy because we'd had the cars and motorcycle with them for decades. Reading the forum made me realize that we basically had just auto insurance on it, so we shopped around. Found a real RV policy with Progressive providing far better coverage for about 60% of what GEICO was charging. That was a simple decision.

BTW, GEICO wanted to increase our car policy by $500/year. We've been with them since 1978 with never a claim. We switched the cars to Progressive this month. The bike may be next.

I guess the lizards salary is more than Flo's.

[jloco]

Originally Posted by Fairenatic

Man, you are not kidding. I pay $2160 for three cars with full coverage. Perfect driving record and no accidents. So, I guess I should not complain. The TT added $525 a year and my new policy for the truck is $1050 a year.

Total $3735 That puts us in the same boat, just about. I think my zip code change had a lot to do with the latest price changes, as well. I am now living closer to downtown.

What gets me is that the cars and RV are constantly depreciating and I can not drive all of them at the same time. Just seems multiple vehicles would be a lot cheaper.

Hopefully, when I move out to the country, things will get better.

Thanks for your input.

Btw... My Harley's (#3,4) are cheap right now because I removed collision for the winter. Those will both go up a couple hundred dollars each once the riding season starts. It's terrible in this state.

Some mentioned credit score having an impact on rates. I have not heard that but my score is mid 800's and rated as excellent.

[RP53]

wow, guess I'm lucky we added ours to our home/auto and it is $93.00 per year. Tennessee farmers mutual

[Hattie]

We are a long-time and very happy USAA customer - they insure everything EXCEPT for the TT. This is because in 2015 when calling for a quote they passed us on to their RV handler, Progressive. Ultimately, we elected to insure the TT through Foremost.

[BigJohnD]

USAA / Progressive for us. Through 8 different rigs, sometimes USAA has covered a towable, sometimes it went to Progressive. I don't remember which ones were with which. Both have been great to work with though.

[Lolead]

Fairenatic, You and I are on the same train of thought I believe. I have always thought that liability insurance should be on myself or the wife, not on our vehicles. I can understand separate collision and comp for each unit owned but, like you, I can't operate more than on unit at a time. IMHO this is just one of the multitude of ways that insurance companies do not provide value for dollars collected. Having spent nearly 40 years in a commercial collision repair shop, I am afraid many consumers need a better understanding of what their insurance will pay for.

[SoCADesertRat]

Originally Posted by BigJohnD

USAA / Progressive for us. Through 8 different rigs, sometimes USAA has covered a towable, sometimes it went to Progressive. I don't remember which ones were with which. Both have been great to work with though.

We have USAA for everything except our current 5th wheel. Had Progressive and they handled a claim poorly. The campground caused a problem and it was admitted by the CG manager, but the CG insurance carrier refused to pay so Progressive did not go after them and instead charged me my deductible. I left them and went with Good Sam. Good rates -- no claims as yet and hope to keep it that way. GS will give you a credit during complete months that your RV is in storage.

[RAurand]

Be very careful. I used to have my trailer on my State Farm insurance with my cars and house. Then, one day while talking with my agent, I asked if my Yamaha generators were stolen, if they would be covered. He looked and somehow, my trailer pretty much fell under my home policy. ($1000.00 deductable) so if the generator or anything else happened, wind damage to the awning, etc, It was covered AFTER the deductible. PLUS, there was NO storage option.

We promptly switched to Good Sam insurance. $250.00 deductible and after that, everything is covered. AND, we call Good Sam Insurance when the trailer is parked for the winter and the Collision gets dropped which dramatically dropped my insurance cost for 5 months.

[Levinehikeski]

Southern NH, all with Progressive, 2015 Nissan Frontier, 2010 Rogue, 2008 Suzuki vstrom 650, and now 2014 sport 8 pup. Cars are under $800/yr, bike ~$140/yr and camper is a whopping $110! So all over the road vehicles are ~1100.

[micron]

We have a TT and have it insured through Geico along with out autos. I don't have it in front of me but they did send us a very detailed explanation of coverages for the TT. The policy also included a pretty decent roadside assistance package.

[NVGun40]

We have everything through USAA. Full coverage for the truck, DW car, TT, Snowmachine and TT; just liability on my son's jeep cherokee. Roadside assistance/towing on all.

I saw a couple of posts from people who have USAA and who said USAA either doesn't cover TT or passed the TT off to a different underwriter. Strange, I don't have that issue at all. USAA is covering everything. Perhaps it is possible they are passing the TT out to a different underwriter (like Progressive) but in the event of anything happening, I only have to deal with USAA.

[NVGun40]

Here is a helpful tip some may find interesting. It applies to people who have the 2500/250 series (3/4 ton) and higher trucks.

If you have roadside assistance/towing coverage, ask your insurance the limitations (if any) on towing your truck.

My dad (lives in Nevada) had State Farm or Farmer's (I don't remember which). In October of 2015, he was coming back from a hunting trip and had some trouble with the front hub on his Ram 2500 4X4. So he pulled off the side of the highway (I-80) about 15 miles out of Lovelock, Nevada. He called for roadside assistance through his insurance. They declined to tow his truck because it was classed as a "heavy duty". They still towed the trailer, and they towed it back to Carson City, Nevada. The truck however, he had to pay out of pocket.
He contacted his insurance agent during business hours and verified he had towing and roadside assistance coverage on his truck, and verified he had been covered for several years. Then his insurance verified the towing coverage did not cover the 2500/250 series and larger trucks unless he paid an additional fee for a higher level towing coverage because those trucks are considered "heavy duty". Needless to say, he was very irate (especially after having paid the premiums for it for several years to cover both his truck and car and the trailer). He also knows that the insurance pulled a fast one because when they run the VIN number the trucks clearly come back with the class of truck they are. Anyway, he dropped them and has now gone through Good Sam Club for all his insurance needs.

[us71na]

I have a house, three vehicles, one 17 foot boat and a 21 foot travel trailer. All insured by USAA. I've been with them for 46 years.

[Inthewind]

USAA pointed me to Progressive. $817 a year for a mid level policy. Checking out GoodSams because compared to what I'm reading, thats crazy high.

[Country_Mouse]

Originally Posted by Inthewind

USAA pointed me to Progressive. $817 a year for a mid level policy. Checking out GoodSams because compared to what I'm reading, thats crazy high.

When did they point you? Someone on here said at one point USAA didn't cover trailers but they do now. We use them.

[Kim Gass]

We have USAA for car truck and trailer. It may be that someone who is eligible for USAA insurance or has it on their house but not their cars posted.

You need to have the tow vehicle insured with USAA too. It took us three minutes to insure the RV on the phone

[RAurand]

Originally Posted by Inthewind

USAA pointed me to Progressive. $817 a year for a mid level policy. Checking out GoodSams because compared to what I'm reading, thats crazy high.

Check Good Sam. What a HUGE savings over State farm (I have been with State farm for my house, and cars for over 42 years and have been happy with them for our car and home owners insurance...BUY... they were a RIP OFF for travel Trailer insurance. We have a $250.00 deductible and my insurance covers everything. Good part that state farm don't do is when you park it for the winter, they drop the collision and that gives you a good refund. Plus, As mentioned before, State Farm lumps your trailer insurance into your Home Owners Policy which also means a $1,000.00 deductible. Awnings not covered, stolen generators not covered....etc. Good Sam covers it all. We have not had any claims but have been happy with what all is covered.
last year my initial payment was $183.00 for the year. BUT, Then in November when I parked the trailer for the winter and they dropped the collision, I got a refund of: $48.00. That means $135.00 for the year.
This also includes RV Replacement.


Here is the LINK: http://www.nationalgeneral.com/rv-in...s-benefits.asp