Skip to main content ↑ ↓
Topic: Insurance Rate Bump (Read 1814 times) previous topic - next topic
0 Members and 1 Guest are viewing this topic.

Insurance Rate Bump

Yahoo Message Number: 89375
Greetings

Just saw a 38% bump in my premium with Progressive. Have been claims free and had deductible "disappear" as they advertise, but they decided to raise my premium by a whopping 38%.
Before letting them use smoke and mirrors to "adjust" the policy, I'd like to get a few quotes from other reputable agencies our CC members use.
I just want to compare apples to apples.
Can anyone recommend a company they've dealt with for more than 5 years and been happy with the product.
Thanks so much in advance for your responses, Ed

08 Intrigue 530
#12260

Re: Insurance Rate Bump

Reply #2 –
Yahoo Message Number: 89379
Ed,

Just renewed my coach policy with Progressive last week and it went up only 10% from last year. We too are claims free with no deductible.

Ricardo

04 Intrigue #11830

Re: Insurance Rate Bump

Reply #3 –
Yahoo Message Number: 89380
Havent received the Bus renewal for this year yet, BUT on all our commercial and homeowners policies are showing a minimum of 20% up to 35% increases. Doesnt seem to matter if there are no claims. Good luck in a lower premium.
OJinOK

Re: Insurance Rate Bump

Reply #4 –
Yahoo Message Number: 89381
We are full timers and use National Interstate Insurance. Buy it thru one of their agents. They do go up a little each year but not that much! No claims thank goodness but so far we're happy and are not changing. They also insure our toad.

Lonny & Diane Livingston
Tampa, FL

'04 Allure #31065

Re: Insurance Rate Bump

Reply #5 –
Yahoo Message Number: 89382
Same experience. I shopped around and finally settled on Good Sam. Was still an increase from previous year but by 1/2 of Progressive quote.

Re: Insurance Rate Bump

Reply #6 –
Yahoo Message Number: 89386
I was insured with Progressive and thought my rates were high... then I saw an ad in Family Motorcoaching Mag for Good Sam insurance, so I called them and in 10 minutes on the phone they cut my rates in half, same coverage with Allied. I think Progressive is paying Flo way too much money these days

Joseph Burkle

2008 Country Coach Inspire 360 Founders Edition 43' quad slide tag axle 425 HP C9 pusher http://www. Wind-seeker.com/

Re: Insurance Rate Bump

Reply #7 –
Yahoo Message Number: 89394
Sorry about the rate jump. I currently have "Travelers Insurance". I had a claim last year after our trip to Alaska..it was in the neighborhood of $8K and my insurance went down $2 this year...go figure..
You do need to look for different insurance and then call them and see if they will lower your rate they now want you to pay. Dave
07 Country Coach Allure 430 #31495 12 Jeep GC Toad Mountains of So Cal


Dave & Jodi
2007 CC Allure 40’ Tag #31495
2012 Jeep GC
Big Bear Lake, Ca & Henderson, Nev

Re: Insurance Rate Bump

Reply #9 –
Yahoo Message Number: 89412
We just renewed with Progressive and had no increase in premium.

Dan 2006 Allure 31348

Re: Insurance Rate Bump

Reply #10 –
Yahoo Message Number: 89433
I'm glad we are talking about insurance. I was just about to start a post.
Our situation may be slightly different from most of you. We are not full-timers and it is our first year insuring our Allure, so I don't have any prior years to compare to.
I am currently with Foremost. Our other home and auto insurance is with Farmers, but apparently they don't do motorhome insurance in Utah.
I realize everyone's situation is different, but here is what I am currently paying. Honestly I was shocked at the high rate. I am the only driver rated and my record is 100% clean for years.

2006 Allure 430

Stated Value $135,000
Bodily Injury 100k/300k
UI Bodily Injury 100k/300k
Property Damage 50k

Comprehensive $250 deductible
Collision $1000 deductible
Towing $250 deductible

Annual Premium: $1479

I guess I need to reach out to some of the recommendations from the group. Thanks for the info!

Dan

2006 Allure 430
#31344

Re: Insurance Rate Bump

Reply #11 –
Yahoo Message Number: 89443
We have ours through Farm and City in Iowa, it is with Allied Insurance Co., have had a windshield replaced, I have had it for about 5ys, some increase, but still best after checking other co. When renewal. Marvin 07 allure 470 31459

Re: Insurance Rate Bump

Reply #12 –
Yahoo Message Number: 89450
Ed - Our policy went up some 20% overall and almost 90% in comprehensive. Have never put a claim in either and our driving records are squeaky clean. Some things that are going on include RV frig damage, weather pattern changes and resultant damage, windshields and other frivolous claims put in by people using the insurance company as a socialized repair service. All of this increases the amount of bread the insurance companies need to pay out. Net result is those costs get passed on to policy holders. We've delved into this a bit more and need to get that information out there for folks to digest. We've compiled 5 years of data to include graphs. It's enlightening. When time permits it will get published. Keep in mind that insurance companies aren't in the business of paying claims. As for reputable, you'll never know until you need a claim paid off. And each individual situation is different. Some go well and others are horrific! This means you can't really get a reliable service review since someone else's bad experience may not apply. Same true for a good experience. I like to call it pot luck. Having a good insurance agent helps. We prefer a small independent business owner/agent rather than the party line teleprompter experience. And what did you say your name was?? All of our service consultants are assisting other customers at the moment.

My experiences with insurance companies (vehicle, medical) have generally been bad. An interest comment from someone that hasn't been a power user of those services. What I don't like is all the smoke, mirrors and opacity in their business models. In many cases their interactions with customers are deceptive, misleading and down right dishonest. It's all about the bread and collecting as much of it as possible. The industry is so bad that state regulators have stepped in to contain it. All I can say is good luck

Best - Scott

2006 Allure 430 40' #31349

(Bus-Stead Lemon) My Allure Page http://www.muniac.com/Allure%20Page.html

Re: Insurance Rate Bump

Reply #14 –
Yahoo Message Number: 89461
I've had insurance through Gilbert for years. I assumed they were looking out for me each year and providing me with the best rate. (It was a better rate than Progressive, Geico, FMCA, etc) Gilbert has been sold and the new person said they don't have time to look for the best rate for each person every year. Ironically I filled out a rate quote on their website and got an email from Blue Sky RV Insurance. Not sure how they are connected with the new company that owns Gilbert. The Blue Sky rate was less than the best rate Gilbert could find so I just switched.

Pati Mah

2005 Allure #31287

Re: Insurance Rate Bump

Reply #15 –
Yahoo Message Number: 90806
Another story:

I just received my renewal from National Interstate. My comprehensive went up 81.9% and the total went up 19.7%. But that's only part of the story. When comparing the details of the package I noticed that this year they rated me as using my MH less than 30 days per year. I was never asked if that was accurate. I questioned my agent and was told that it was new this year. They (National Interstate) have separated usage to less than 30, 30 to 150 and greater than 150.
When I told him that I fell in the 30 to 150 days he said that the rate had to be adjusted again: now it is up 30.9% total and 93.3% on comprehensive.
The main reason that mine is so off the wall is that I still had TOTAL LOSS REPLACEMENT on my 2002 coach. It use to be very reasonable to keep that coverage but no more.

Progressive was competitive but not worth changing.

That's my story and I'm stuck with it!

Dick May

2002 Intrigue, #11438
Dick May
2002 Intrigue, #11438, towing a
2014 Jeep Gr Cherokee ecoDiesel

Re: Insurance Rate Bump

Reply #16 –
Yahoo Message Number: 90808
Dick - You're not alone. Similar story on this end. We full time. Our total policy was up almost 20% and comp about 90%. Bend over and grab your ankles.

Best - Scott

2006 Allure 430 40' #31349

(Bus-Stead Lemon) My Allure Page http://www.muniac.com/Allure%20Page.html

Re: Insurance Rate Bump

Reply #17 –
Yahoo Message Number: 90811
Hi Dick,

Thanks for the update on National Interstate info. I too am insured with National Interstate. I have my MH and car both insured thru them. I just received my renewal notice for my car and it went up $600 for the year. It was $1600 a year and it went up to $2200 for the year (I have a Chevy Volt and am insured in Nevada). Obviously I will be price shopping for new car insurance.
I did just put in a claim for my damaged awning it will cost over $7,000 for a new one installed and painted. First claim I have ever done in my life for RV or Car insurance and I have been insured with National Interstate since 11/03. It will be interesting to how much my MH insurance will go up with National Interstate when it is time to renew.

Rick,

2004 Allure, 31018

Re: Insurance Rate Bump

Reply #18 –
Yahoo Message Number: 90817
in response to a Good Sam ad in Family Motorcoach, I called them for a rate comparison... they hooked me up with Allied at exactly HALF the cost I was paying with Progressive. Well worth the effort to change

Joseph Burkle

2008 Country Coach Inspire 360 Founders Edition 43' quad slide tag axle 425 HP C9 pusher http://www. Wind-seeker.com/

Re: Insurance Rate Bump

Reply #19 –
Yahoo Message Number: 90819
My Overland/Allied policy (which I got through CCI so includes a Club 10% discount) went down almost 8%. Just paid it.

Lee (leozbrowski@...) 2007 Country Coach Intrigue 12153
CAT C-13

Re: Insurance Rate Bump

Reply #20 –
Yahoo Message Number: 90822
It is good to see everyone's comments and I see many percentages, but don't have any basis to apply them against. Since I am a new RV owner I am not sure if my rate is good, bad or OK.
Can someone comment on my rate? You can email me off the board if you want. I don't have any problem stating the dollar amount, it is what it is. Just as much an expense as diesel fuel...except fuel does get me somewhere! :-)

This is my current rate through Foremost:

2006 Allure 430

Stated Value $135,000
Bodily Injury 100k/300k
UI Bodily Injury 100k/300k
Property Damage 50k

Comprehensive $250 deductible
Collision $1000 deductible
Towing $250 deductible

Annual Premium: $1479

Thoughts?
Dan

2006 Allure 430 with tag
#31344

Re: Insurance Rate Bump

Reply #21 –
Yahoo Message Number: 90884
If it is promoted by Good Sam, it is probably what used to be GMAC. They have several new names for their insurance (I think National General may also be one) carriers. I would beware of them, as I would beware of Camping World and everything else having to do with Good Sam. I once had GMAC and they cancelled my coverage while I was on a trip because they said I did not respond to a letter (duh, I was on a trip!). My attorney told me that had I had a claim and they denied it, I could have easily won in court. Fortunately, I did not. But, when I returned and raised hell with them, they appologized profusely and offered to reinstate my exact coverage for a premium 450% higher! Good deal, huc?

I dodn't do a lot of business with Good Sam and its affiliates.

Dave Glen

'06 Magna #6591

Removing the 3M Coach Shield

Reply #22 –
Yahoo Message Number: 90908
Someone mentioned that taking off the 3M Coach Shield from the front of the coach was a matter of heating up the shield and then pulling it off.
Question I have is: Has anyone tried to do this themselves? Can you remove it by simply using a hair dryer, heating up the shield, and then pulling it off? Or is it more difficult than that? Thinking of trying to do this myself since I have the time to do it (not sure I have the patience for it tho). Mine is badly blistered so don't know if there are some special tricks to removing the 3M shield with it being as badly blistered as it is.

Thanks in advance for any advice,
Rick

2004 Allure, 31018

Re: Removing the 3M Coach Shield

Reply #23 –
Yahoo Message Number: 90909
I have a 2004 CC Inspire. Just spent 6 days nonstop removing that shield. If you have no patience hire a professional. I used a heat gun and nylon scraper to remove the top layer, then a 3m adhesive remover that I ordered from Amazon.com to remove the adhesive. It's not easy but can be rewarding.



[size=0px]
From: Richard Barnette

To: Country-Coach-Owners@yahoogroups.com Sent: Sunday, August 25, 2013 7:19 PM Subject: [Country-Coach-Owners] Removing the 3M Coach Shield

Someone mentioned that taking off the 3M Coach Shield from the front of the coach was a matter of heating up the shield and then pulling it off.
Question I have is: Has anyone tried to do this themselves? Can you remove it by simply using a hair dryer, heating up the shield, and then pulling it off? Or is it more difficult than that? Thinking of trying to do this myself since I have the time to do it (not sure I have the patience for it tho). Mine is badly blistered so don't know if there are some special tricks to removing the 3M shield with it being as badly blistered as it is.

Thanks in advance for any advice,
Rick

2004 Allure, 31018

[/color][/font][/size]

Re: Removing the 3M Coach Shield

Reply #24 –
Yahoo Message Number: 90910
Rick, I tried to remove a small portion on the face of my entry steps in preparation for installing some polished stainless steel from Summit Armor. I used a heat gun. I spent nearly two hours and only was able to remove half of that small piece. I gave up, scuffed the area with a scotch brite pad and stuck the stainless panel on with VHB tape and 252 Sikaflex.
I don't see how you can easily get the stuff off. Must be some magic I don't know. I'd love to get the stuff off my coach before it starts to look nasty like some I've seen.

Gary

'07 Allure 470 #31578