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Old 02-24-2016, 02:54 PM   #1
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Where to get insurance

I just got a quote for my new RV and I was amazed. It was more than all my other vehicles combined for one year.

What do you pay and who do you recommend to get coverage from?
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Old 02-24-2016, 03:26 PM   #2
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These numbers won't apply to your trailer, but they should make you feel better about what you pay. I insure through a company called Hi-Sage which is a Progressive agent. I pay $664 and have 500K/500K/300K (bodily injury/uninsured motorist/damage if hit-n-run) coverage with no deductible (longevity with the company decreases your deductible and I've been with them long enough to have no deductible). Your trailer should be much much less than that.
I would insure through USAA but they use Progressive Insurance anyway. They don't provide their own RV coverage.
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Old 02-24-2016, 03:26 PM   #3
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I was wondering the same thing. I know there are many threads about insurance on this forum and rv.net. The problem is there are so many variables that contribute to the cost of the premium.
If you think it's high then shop.
I have mine with Progressive and have decreasing deductible which is now $0.00
I would like to hear from others that have shopped around and who they ended up with and why.
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Old 02-24-2016, 03:46 PM   #4
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We put our trailer on AAA policy and it wasn't very expensive as I recall, (don't have it in front of me right now). We just have a 17' trailer so, I guess it all depends on what you're insuring.
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Old 02-24-2016, 03:59 PM   #5
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We use Allied Insurance, a Nationwide company.

Without getting into all the details ours is a separate RV policy with very good coverage, and most importantly to me it has liability coverage while unhitched. We pay ~$210 year.
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Old 02-24-2016, 04:24 PM   #6
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Where to get insurance

Insured with Erie Insurance along with our house and vehicles (so multi-policy discount applies). The trailer alone is $153 a year.
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Old 02-24-2016, 05:06 PM   #7
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I am with USAA for my truck/car/house/trailer. For just the trailer, I am at $465 a year with full coverage 100k/300k/100k.
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Old 02-24-2016, 05:13 PM   #8
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Quote:
Originally Posted by dalebra View Post
I was wondering the same thing. I know there are many threads about insurance on this forum and rv.net. The problem is there are so many variables that contribute to the cost of the premium.
If you think it's high then shop.
I have mine with Progressive and have decreasing deductible which is now $0.00
I would like to hear from others that have shopped around and who they ended up with and why.
I have the vanishing deductible as well which after 6 years has now vanished with Progressive. At 161.00 a year, its the cheapest insurance I have in contrast to the OP`s dilemma. As mentioned many variables go into the price of insurance.
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Old 02-24-2016, 07:21 PM   #9
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I did not get to shop around as much as I wanted but winded up paying $525 for a year on my new TT with Progressive.

Farmers wanted $1500 a year with three other vehicles already carried on their policy.

I might just switch it all over to Progressive when I get back from Middlebury.

P.S. They cancelled my Ram 4500 policy, to boot. Saying they considered it a commercial vehicle and they no longer will cover it.
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2016 Jayco Eagle 330RSTS = "Madame Maxime"
Maxxis M8008 E rated Tires and 16" Wheel Upgrade
Dual A/C 15K BTU, 14K Equalizer WD hitch with SC
King Bed with Java Interior, (2X) Yamaha EF2000isV2
2012 Ram 4500, 6.7L Cummins Turbo Diesel, MegaCab = "Hagrid"
8'x12' BMCM Stake Bed, Cabin Chassis, 2WD
360 degree Virtual Tour
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Old 02-24-2016, 08:48 PM   #10
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Quote:
Originally Posted by nunyadamn View Post
I am with USAA for my truck/car/house/trailer. For just the trailer, I am at $465 a year with full coverage 100k/300k/100k.
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.
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