|
|
06-14-2021, 08:34 PM
|
#1
|
Junior Member
Join Date: May 2021
Location: Stanwood
Posts: 8
|
Insurance?
We have ordered a 2021 Redhawk 24B and I called our State Farm agent to inquire about insurance. With a perfect driving record, I was quoted "around" $900 for full coverage and told a motorhome does not count for the multi-vehicle discount. I don't know if this quote is bad or good and was hoping that with the vast experience inherent in this forum, you may be able to provide some guidance or recommendations. TIA
|
|
|
06-15-2021, 03:46 AM
|
#2
|
Senior Member
Join Date: Jan 2020
Location: LEWISBERRY
Posts: 181
|
Full coverage at Progressive...$550/yr. Mine is due in September....will be shopping around in August.
__________________
Stu & Nina Stoner
Central PA (Lewisberry)
2017 Jayco Alante 26X
2018 Thor Four Winds 24F (traded)
2016 Forest River 22RR (traded)
2008 Honda Gold Wing Level 3
1968 Honda CT90 Trailbike
|
|
|
06-15-2021, 04:39 AM
|
#3
|
Senior Member
Join Date: Aug 2020
Location: Charleston
Posts: 419
|
I have State Farm also, but found Progressive to be half the price and better all around coverage for the travel trailer I have. Give them a call. You’re not getting a multi line discount with SF anyways.
__________________
Velocity Blue 2020 F-250 XLT Crew Cab with Short Bed (bought 12/30/2020)
2021 Jay Flight 28BHS (bought 11/14/2020)
E4-10k Equalizer Hitch
Furrion Vision S 7” Rear and Side View Cameras
|
|
|
06-15-2021, 04:56 AM
|
#4
|
Senior Member
Join Date: May 2021
Location: Vanceboro
Posts: 2,263
|
Our 2021 Pinnacle 36FBTL is $1000 with progressive
__________________
2021 Ram Laramie 3500 SRW Air ride 50Gal fuel tank.
2021 Jayco Pinnacle 36FBTS, Andersen Ultimate Hitch
|
|
|
06-15-2021, 07:06 AM
|
#5
|
Senior Member
Join Date: Nov 2011
Location: Where ever the boss says we're going.
Posts: 17,407
|
You can't always go by what other's pay since rates vary State to State.
__________________
DISNEY LOVERS
|
|
|
06-15-2021, 07:34 AM
|
#6
|
Senior Member
Join Date: Feb 2014
Location: MD
Posts: 3,856
|
As others have said, since your not getting a multi-policy discount shop around. I’d check with progressive. My home and auto policy provider wouldn’t insure our golf cart we took to campgrounds (and most campgrounds where we go require insurance on personal carts) so I went with progressive just for the cart.
__________________
2017 JayFlight 28BHBE
2014 JayFlight Swift 264BH (Sold)
2007 GMC 2500 Sierra Classic Crew Cab LBZ Duramax / 6spd Allison
|
|
|
06-15-2021, 07:42 AM
|
#7
|
Senior Member
Join Date: May 2012
Location: Minnesota
Posts: 10,069
|
Quote:
Originally Posted by Grumpy
You can't always go by what other's pay since rates vary State to State.
|
Not just state by state. Just the zip code you live in and are near to. Up until about 20 years ago, about 3/4 of the the top 10 worst accident sites within Minnesota were within just a few miles of my home. Two of which were less than 3/4 of a mile from my house.
Guess who pays the insurance premium price . Vehicle premiums were the horrid for everyone who lives in this area. Only now the historical data is now helping drive insurance prices down.
__________________
2012 Jayco X23B for sale
2025 Alliance 23ML on order
2020 Ram Laramie 3500 SRW Air ride 50Gal fuel tank
|
|
|
06-15-2021, 10:28 AM
|
#8
|
Junior Member
Join Date: Mar 2021
Location: Gadsden
Posts: 4
|
Progressive
We just bought a 2021. Grand Design, and full coverags with Progressive for one year is $449
|
|
|
06-15-2021, 10:44 AM
|
#9
|
Junior Member
Join Date: May 2021
Location: Stanwood
Posts: 8
|
Thank you all! I do live in a rural area way north of Seattle and my 40 years of insurance through State Farm has always been very reasonable. But I had issues (albeit minor) getting their underwriters to insure my previous TTs and 5th wheel. Now, stepping up to a Class C and talking with my agent, it appears that it is time to actually shop around. As fate would have it, I just received an advertisement from Good Sam insurance. I realize insurance is more than premium, but in actual service when filing a claim. I equate Good Sam with Camping World and unfortunately, I’ve had bad experiences in the past with both Camping World Sales and Service. Does anyone have claim experience with Good Sam or Progressive full coverage support?
|
|
|
06-15-2021, 11:19 AM
|
#10
|
Senior Member
Join Date: Apr 2018
Location: East Lyme
Posts: 168
|
I've been with progressive for over a decade for my atv insurance.
A couple years in, I had a pretty good quadding accident that involved myself and another quad. Damage to his ride was around $750... damage to mine was over 5 grand as it rolled over sideways a couple times after slamming me into the ground on the first roll. They covered EVERYTHING - including my boots, riding pants, riding jacket, helmet, even the camera that only got a scuff mark on the side of my helmet -- all without batting an eye. The hardest part for me was coming up with model numbers for the gear that was damaged so they could price out the exact replacement.
We went over my quad in my garage (as I do all my own quad work) and I had a check before they left. I was also told that if anything popped up that wasn't already paid for by progressive that I found during teardown/reassembly, to give them a call. Sure enough, I found a bit more damage. Again, effortless. I got paid for all parts, as well as the labor they would of paid a shop to repair my quad.
Since then, I have insured my Camper, as well as the new(er) car I just bought for my daughter and I to share till she goes off to college with Progressive as a freshman and won't need one there.
__________________
2017 Eagle HT 26.5 BHS 5th Wheel
2014 F-350 Lariat 6.7 CC SB SW
B&W Turnover Ball
AUH #3220
|
|
|
06-15-2021, 11:32 AM
|
#11
|
Senior Member
Join Date: Nov 2016
Location: San Antonio
Posts: 3,265
|
Progressive through USAA handled my awning claim quickly and to my liking.
__________________
2017 JayFlight 21QB
2021 Ford F150 SCrew 3.5 Eco, 157”, 3.55, Tow Pkg
|
|
|
06-15-2021, 03:16 PM
|
#12
|
Junior Member
Join Date: Jun 2021
Location: Cimarron
Posts: 13
|
Insurance
Progressive was the cheapest /best we could find for our 5th wheel.
|
|
|
06-15-2021, 05:47 PM
|
#13
|
Senior Member
Join Date: Aug 2014
Location: Wheatfield
Posts: 1,147
|
34 years with an RV. Been there, done that with insurance. My long standing insurance agent is an RVer as well, and he wouldn't write a policy for me because he wouldn't use his own company either (for an RV).
Foremost is the only way to go.
|
|
|
06-15-2021, 07:31 PM
|
#14
|
Senior Member
Join Date: May 2016
Location: Cincinnati
Posts: 722
|
Quote:
Originally Posted by cwppwc
Thank you all! I do live in a rural area way north of Seattle and my 40 years of insurance through State Farm has always been very reasonable. But I had issues (albeit minor) getting their underwriters to insure my previous TTs and 5th wheel. Now, stepping up to a Class C and talking with my agent, it appears that it is time to actually shop around. As fate would have it, I just received an advertisement from Good Sam insurance. I realize insurance is more than premium, but in actual service when filing a claim. I equate Good Sam with Camping World and unfortunately, I’ve had bad experiences in the past with both Camping World Sales and Service. Does anyone have claim experience with Good Sam or Progressive full coverage support?
|
We have a 2008 F450 (purchased in 2007) that Allstate would NOT cover because it is classified as an entry level semi although we ordered it as a truck & not as a work truck. Our poor agent argued and argued with the underwriters. We finally went with Good Sam (National General) since 2007. Good Sam would only insure the truck with the 5ver so we transferred the 5ver.
As far as claims...they really have been decent. Our previous 5ver was broken into 3 times and they covered the damages/stolen items each time. Because we were on a Scouting activity and the Scout trailer came off the hitch, it was reported to the police. We paid for the damage to our truck out of our pocket but they hit us with "points" - at fault accident. We went off the road with the truck & trailer and once we noticed the damage, called and reported it to them - no problems getting the truck/trailer repaired. We had extensive hail damage to the unit in late 2019. Overall, they have been great to work with.
Oh, we switched from Allstate to USAA for other vehicles/house but they wouldn't insure the F450. Oh well.
__________________
Dennis & Donna Dohme
2016 36FBTS Pinnacle
2008 F450
USMC Veterans (both of us)
|
|
|
06-15-2021, 10:01 PM
|
#15
|
Senior Member
Join Date: Sep 2010
Location: PNW
Posts: 5,195
|
I had State Farm for my trailer and it was about $100 per year, but that was for recreational use. I wanted full timer RV insurance and State Farm didn't have it, so I tried Foremost. After the first year, I checked around and Progressive beat the Foremost price.
Full coverage includes coverage for trailer damage, liability, contents of the trailer, and I was able to add on the contents of my storage unit. All for $400 per year. Never had to use it.
__________________
Bill
2011 Dodge Ram 1500 HEMI Quad Cab
2011 Jay Flight 26BH
|
|
|
06-19-2021, 11:55 AM
|
#16
|
Member
Join Date: Jul 2019
Location: Hot Springs
Posts: 35
|
We have State Farm and when we had our DP our agent hinted they were better for towable rv than a motor home (less experience, cost etc). We went with Progressive which had much better coverage and about 30 to 40 percent cheaper ( also 0$ deductible on the windshield with Progressive).
|
|
|
06-19-2021, 12:07 PM
|
#17
|
Senior Member
Join Date: Sep 2016
Location: Highlands
Posts: 654
|
My last 3 trailers have been with Progressive. They have had the best rate for the coverage.
__________________
Cliff
Jayflight 34RSBS
|
|
|
06-19-2021, 12:17 PM
|
#18
|
Junior Member
Join Date: May 2017
Location: Shepherdstown
Posts: 5
|
We have a 2016 Greyhawk 31FS and pay $600 a year through progressive.
|
|
|
06-19-2021, 12:19 PM
|
#19
|
Senior Member
Join Date: Sep 2016
Location: West Michigan
Posts: 736
|
We have AAA auto and house. We can add AAA Plus for only when we use the the trailer, generally May through November. Rate is reasonable, but it's good only for me, no discount for my wife. Guess if anything happens, AAA will find me behind the wheel.
|
|
|
06-19-2021, 01:20 PM
|
#20
|
Senior Member
Join Date: Oct 2018
Location: Out there somewhere
Posts: 1,688
|
If your buying new, and have a loan, make sure you take out the gap insurance or have full replacement value on your contract. Otherwise you will be getting paid for what the RV is worth at time of the adjustment. And it won’t be enough to pay off the loan or go out and replace what you had!
|
|
|
|
|
Thread Tools |
Search this Thread |
|
|
Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Threads |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|