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08-12-2022, 08:23 AM
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#1
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Senior Member
Join Date: Feb 2019
Location: Schertz
Posts: 1,018
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Insurance Increase
Not a Jayco question but a Ram 3500 question. Has anyone seen their insurance policies jump considerably lately? My Geico policy went up about $250 for six months for two vehicles and the 5'er. The Ram went up over $100 for the six months. Full coverage on all. No tickets, no accidents, no claims. I read somewhere that Ram HDs were spiking in insurance. Just curious what others are experiencing. Might be time to switch.
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2018 Ram 3500 CC Longhorn LB SRW w/timbrens
2019 Jayco Eagle 355MBQS
Pullrite 2600 Superlite
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08-12-2022, 08:56 AM
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#2
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Senior Member
Join Date: Jul 2016
Location: Mapleton
Posts: 4,365
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All prices seem to be going up, buttttt, that said, I think most (all?) insurance companies start running up rates in hope you won't notice. Or are to lazy or busy or UN-observant to shop around.
I currently have Progressive. I like it for the convenience to putting it into storage mode when not traveling. But if I get a notice my premiums are going up then it is time to shop.
__________________
2017 SLX 195RB
2021 Jeep Grand Cherokee Summit L 5.7L V8
Andersen WDH hitch, Renogy 100 AH Lithium &
200 Watts solar panels from Renogy
Prev. '14 Jeep Grand Cherokee Overland, gas 3.6 V6
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08-12-2022, 09:09 AM
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#3
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Senior Member
Join Date: Nov 2011
Location: Where ever the boss says we're going.
Posts: 16,077
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Problem with comparing insurance, is it varies widely state by state.
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DISNEY LOVERS
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08-12-2022, 09:45 AM
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#4
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Lost in the Woods
Join Date: Apr 2022
Location: Plano
Posts: 542
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Quote:
Originally Posted by Grumpy
Problem with comparing insurance, is it varies widely state by state.
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You got that right. Automobile insurance in Texas is literally 1/2 that for the same coverage in Louisiana. The reason as explained to me is policing of uninsured motorists in Louisiana is extemely lax.
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08-12-2022, 12:45 PM
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#5
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Senior Member
Join Date: Oct 2019
Location: Phoenix
Posts: 3,901
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Quote:
Originally Posted by rkymntsno
Not a Jayco question but a Ram 3500 question. Has anyone seen their insurance policies jump considerably lately? My Geico policy went up about $250 for six months for two vehicles and the 5'er. The Ram went up over $100 for the six months. Full coverage on all. No tickets, no accidents, no claims. I read somewhere that Ram HDs were spiking in insurance. Just curious what others are experiencing. Might be time to switch.
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There are several previous threads on this topic comparisons are apples and oranges as Grumpy says. It is regional.
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2018 Greyhawk 29MVP-Sold
2023 Jeep Gladiator Mojave
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08-12-2022, 02:48 PM
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#6
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Senior Member
Join Date: Dec 2015
Location: Pennsylvania
Posts: 1,880
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Another thing I hear agents say……
“ cost are going up because your (( insert your vehicle make & model here)) are having more claims!
__________________
2012 Ford Expedition EL
2016 28BHBE, Elite and Thermal Packages.
Equal-i-zer 4-point Sway Control, Southwire 34930 Surge Guard 30A, Tire Minder TPMS A1A
(2) Yamaha EF2000iS Generators, Micro-Air EasyStart™ 364 (3-ton) Soft Start, Garmin RV 890, GoodYear Endurance ST225/75-15 Load Range E
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08-12-2022, 03:26 PM
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#7
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Senior Member
Join Date: Dec 2018
Location: Owens Cross Roads
Posts: 3,217
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We did not renew our MH insurance with one company that “specializes” in insuring RVs and bundled it with our home and car insurance. Saved 250.00 on the MH part.
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08-12-2022, 03:47 PM
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#8
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Senior Member
Join Date: May 2014
Location: Huntingdon Valley
Posts: 264
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Quote:
Originally Posted by RAurand
Another thing I hear agents say……
“ cost are going up because your ((insert your vehicle make & model here)) are having more claims!
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Another one Agents are using is that your Truck 'increased in Value', hence it will cost us more to replace.
__________________
015 Ford F250 Lariat SD
2015 Jayco WhiteHawk 27DSRL (Sold)
2017 KZ Durango D281RLT.
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08-12-2022, 04:44 PM
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#9
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Senior Member
Join Date: Jan 2019
Location: Litchfield, CT
Posts: 476
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Quote:
Originally Posted by RSerendipity
Another one Agents are using is that your Truck 'increased in Value', hence it will cost us more to replace.
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There is some logic in this claim. If nothing else, repair parts and replacement cost is definitely higher! My vehicle property tax jumped significantly because "Blue Book" values are way up. (Just like property tax on your residence goes up if values increase regardless of if you did any improvements.) My truck is a year older, but it's worth more............even worse with my Fifth Wheel!
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2020 Eagle HT 30.5 CKTS Modern Farmhouse (16" wheels, spring shackles set on lower hole of frame, SumoSprings TSS-107-40, standard kingpin, B&W Companion slider, TST-507 TPMS, Progressive Industries hardwired 50A EMS HW-50C)
2019 F250 SRW SuperCab 4X4 SB 6.2 (10,000# GVW) 3.73 Axle 18" wheels
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08-12-2022, 05:13 PM
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#10
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Senior Member
Join Date: Jul 2022
Location: Elgin
Posts: 878
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A few months ago the insurance company we had all of our insurance with (Farmers Insurance) went up on everything. I shopped around and saved 12% with Travelers who for the most part has good feedback when it comes to claims.
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08-13-2022, 07:40 AM
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#11
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Senior Member
Join Date: Nov 2016
Location: Port Huron, Mi
Posts: 1,737
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Insurance is a total rip off! They are as crooked as politicians. I agree with pretty much everything previously posted here. I too have heard the " your truck is worth more so its gonna cost more to replace" excuse. Yeah, well you ain't replacing it with a used truck that's more expensive than a new one, so now what?
It seems like every couple 2 or 3 years to need to play the shopping game. Sometimes it can pay off, but to have to make sure you're comparing apples to apples. Insurance companies dont all insure things the same way, such as RV 's. Company A that I was with had increased my rates. I shopped around and found a cheaper rate through company B. In reading some fine print AFTER I switched my 5er coverage wasnt the same and there was a lot of grey area and some unanswered questions. I ended up going thru a friend that works at an agency who got me the coverage I wanted and needed for cheaper than I had thru company B. Heres the funny thing, my coverage thru him was with company A that I was originally thru.
Michigan rates are ridiculous because we are a no fault state. I'm currently paying about $3400/yr with full coverage on an 01 Yukon XL, 05 Trailblazer, 09 G6, a 15 Silverado 3500, and our 17 Northpoint. All are rated as pleasure driving vehicles except the G6. That our to/from work/school vehicle. Pleasure vehicles are rated a little cheaper than a primary. Drivers are myself, DW, and our 18yr old daughter and we all have very high credit scores. Dont even get me going on the subject of how your credit score affects your rates!
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2017 North Point 375BHFS
2015 Silverado 3500HD Crew Dually Dmax 4x4
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08-13-2022, 11:27 AM
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#12
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Senior Member
Join Date: Dec 2015
Location: Pennsylvania
Posts: 1,880
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Quote:
Originally Posted by Nature Ist
There is some logic in this claim. If nothing else, repair parts and replacement cost is definitely higher! My vehicle property tax jumped significantly because "Blue Book" values are way up. (Just like property tax on your residence goes up if values increase regardless of if you did any improvements.) My truck is a year older, but it's worth more............even worse with my Fifth Wheel!
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I hear you loud and clear. They insure your vehicle for what you pay for it BUT, if you have any sort of accident or something happens, THEY GIVE YOU LESS THAN BLUE BOOK VALUE!
__________________
2012 Ford Expedition EL
2016 28BHBE, Elite and Thermal Packages.
Equal-i-zer 4-point Sway Control, Southwire 34930 Surge Guard 30A, Tire Minder TPMS A1A
(2) Yamaha EF2000iS Generators, Micro-Air EasyStart™ 364 (3-ton) Soft Start, Garmin RV 890, GoodYear Endurance ST225/75-15 Load Range E
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08-15-2022, 01:39 PM
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#13
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Senior Member
Join Date: Jul 2021
Location: Nebraska
Posts: 188
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I just got the renewal for our Pinnacle fifth wheel today and I see it went up $103. I guess that’s not too bad, considering what the new ones have gone up to since we purchased ours.
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Randy & Kathy n Auggie the doggie
21 Pinnacle 36KPTS
21 F350 King Ranch 4x4
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08-15-2022, 02:21 PM
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#14
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Senior Member
Join Date: Jun 2018
Location: VULCAN
Posts: 697
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Quote:
Originally Posted by Randyman69357
I just got the renewal for our Pinnacle fifth wheel today and I see it went up $103. I guess that’s not too bad, considering what the new ones have gone up to since we purchased ours.
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I don’t see the relation between your insurance raise and new pinnacle prices.
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2019 Ram 2500 Cummins
2022 Jayco 28.5 RSTS
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08-15-2022, 02:32 PM
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#15
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Senior Member
Join Date: Jul 2021
Location: Nebraska
Posts: 188
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Replacement cost if mine would get totaled. When we picked ours up last September after ordering it in March of 21 the price had increased $20,000. Does that help you understand?
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08-17-2022, 12:45 PM
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#16
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Member
Join Date: Nov 2020
Location: Arlington
Posts: 44
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My RAM 3500 just went down. Guess I am lucky. Not sure when my Pinnacle is up for renewal. Insurance doesn't care about replacement costs. They aren't going to replace it. They will give you fair market value and you'd better hope you have GAP insurance if you still owe on it.
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08-17-2022, 12:50 PM
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#17
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Senior Member
Join Date: Mar 2019
Location: Brunswick Hills
Posts: 912
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Some carriers offer stated value. No back and forth as to what you get if a claim is made on a total.
__________________
Experience is what you get when you don't get what you want.
"We'll be friends until we're old and senile,....then we'll be new friends."
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08-17-2022, 02:08 PM
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#18
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Senior Member
Join Date: Jul 2021
Location: Nebraska
Posts: 188
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I have Progressive on mine and they offer replacement cost coverage for the first 4 years with new in like and kind. Then stated value after that.
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08-17-2022, 02:33 PM
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#19
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Senior Member
Join Date: May 2021
Location: Vanceboro
Posts: 2,015
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Quote:
Originally Posted by Randyman69357
I have Progressive on mine and they offer replacement cost coverage for the first 4 years with new in like and kind. Then stated value after that.
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X2
__________________
2021 Ram Laramie 3500 SRW Air ride 50Gal fuel tank.
2021 Jayco Pinnacle 36FBTS, Andersen Ultimate Hitch
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08-17-2022, 03:56 PM
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#20
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Senior Member
Join Date: May 2012
Location: Minnesota
Posts: 9,769
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I just purchased my ram 3500. I did not do a price comparison. DW and I were ecstatic, I was guessing the insurance price would be 3x the price of my wife's fairly new car, based on just purchase cost. Nope, its less than 1/2 the cost of the cost. It is even less than the old truck.
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