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Old 02-25-2016, 03:37 PM   #21
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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.
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Old 02-25-2016, 05:01 PM   #22
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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.
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Old 02-25-2016, 06:00 PM   #23
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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.
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Old 02-25-2016, 08:11 PM   #24
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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.
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Old 02-26-2016, 06:30 AM   #25
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Originally Posted by Fairenatic View Post
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.
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Old 02-26-2016, 07:31 AM   #26
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wow, guess I'm lucky we added ours to our home/auto and it is $93.00 per year. Tennessee farmers mutual
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Old 02-26-2016, 10:27 AM   #27
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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.
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Old 02-26-2016, 10:51 AM   #28
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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.
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Old 02-26-2016, 02:39 PM   #29
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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.
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Old 03-01-2016, 09:46 PM   #30
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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.
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