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Insurance

Yahoo Message Number: 75483
I often read an insurance company's ads about RV insurance. I will just offer a side thought to this discussion.
We insure everything through the California State Automobile Association Inter-Insurance Bureau. Of course, we have to be in its service area to use the service. We have two automobiles, a Country Coach, and a primary and secondary residence insured through CSAAIIB. The beauty is, we also have a low-cost $1M umbrella policy, providing we keep the $500K, etc. limits required to activate the umbrella policy. I suspect (although I have not looked) that the price for these policies is higher than some competitive bids might be. OTOH, we have never had a claim denied under any of these policies, we have had fast and fair service, and we believe that we are covered by the most agreeable of insurance companies.
All I mean to say is that, given the level of service I have received, I would not for a moment consider moving to the blue-trimmed, white dress, white girl with really red lipstick (cute as she is), or to the sincere black man (sincere as he is) holding out his hands in welcome.

In other words, it is service that counts.

Ken

2004 Allure #31035
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Re: Insurance

Reply #1 –
Yahoo Message Number: 75486
I am like you, Ken.

I use Southern California AAA also and I have always been satisfied with their fair handling of my needs. Price is low for the coverage I enjoy on CC, two cars & home.
I check prices occasionally to keep them honest but, I have not yet found a competitive substitute.
BTW, just something for all to consider. I discovered that I could reduce my comprehensive deductible to $100 on all my vehicles for a very small upcharge. That feature has paid for itself in multiples. Call your insurer. You may be pleasantly surprised.

Daron Hairabedian, 98 Allure 30226

Re: Insurance

Reply #2 –
Yahoo Message Number: 75488
Update. -

I have been in contact with Progressive. Seems they have had me down for an agreed value of about twice the market value. (My paper work, and understanding, is that I have market value coverage. Their paper work agrees but some how their computer had an agreed value in it. Go figure). Now to debate on market value!! No thanks I'll worry about that if and when the question arises.
They have adjusted my premium to less than 50% of the original quote. Same coverage but with market value instead. Yeah I know I'm paying more than most folks, even now, but without a US drivers license there is little I can do about it. (I had a Texas license but due to rule changes they now need a SSN and non residents can't get a SSN). So I pay a surcharge for the fact that I'm on your US roads terrorising you folks! Been doing it for almost 20 years now without an incident. Touch wood!
Thanks for the comments. It's interesting to see all the varying options, opinions and premiums.

Thanks.

Bruce 2001 Intrigue #11278

Re: Insurance

Reply #3 –
Yahoo Message Number: 75517
I too have and had agreed value when we lost or 2000 CC Prevost to a fire Progressive paid us $715,000.00 so I am a believer.

Jerry #60473

Insurance

Reply #4 –
Yahoo Message Number: 83603
I know this question probably has been asked before but here goes. I have gotten 3 quotes for insurance coverage for our coach and toad. National Interstate the highest, Blue Sky RV lowest and GMAC in the middle. Does anyone have suggestions. I have never heard of Blue Sky RV, but they may be alright. Thanks

Tom Coomes

2005 Inspire 51177

Re: Insurance

Reply #6 –
Yahoo Message Number: 83612
Try Allied-Nationwide through Overland Ins Svcs, Ron Jarvie.
David White

06 Intrigue 11993

Re: Insurance

Reply #7 –
Yahoo Message Number: 83630
Check with a State Farm Agent: They have been the most competitive in my area.
Vic Chaney 6253 03 Magna

Re: Insurance

Reply #9 –
Yahoo Message Number: 83638
Try Progressive. Each time we shop we have not been able to beat their price.

Dan 2006 Allure 31348

Insurance

Reply #10 –
Yahoo Message Number: 84445
Howdy all, the newbie is back, in the process of buying 2006 CC Inspire 360 51910, any tips out there or recommendations wrt insurance. Quotes I am getting are all over the clock. cheers Gerry

Re: Insurance

Reply #11 –
Yahoo Message Number: 84446
We have National Interstate Insurance. (we are full timers and they have full timers insurance). They also insure our toad. I can't vouch for the cheapest but they are cheaper than the other company we had.

Lonny & Diane Livingston
'04 Allure #31065
Tampa, FL

Re: Insurance

Reply #12 –
Yahoo Message Number: 84449
Hi Gerry,

Progressive will insure for an agreed value. Normally the price you paid for the coach, I have carried that since I bought my coach. I assume that is the local coach we talked about earlier.

Jack Allure 40 30076

Re: Insurance

Reply #13 –
Yahoo Message Number: 84450
Gerry,

I agree with Lonnie. I have had National Interstate since 2005. Price seem to be competitive and it also includes CoachNet. We are also full timers since 2006.

Jock Vargo
2005 Inspire
51428

Insurance

Reply #14 –
Yahoo Message Number: 89694
Looking at insurance companies today. Has anyone done or doing business with FMCA's motorhome and Auto insurance plan (National General). Please chime in. Appreciate your input.

Joe & Shelley Stevener 2006 Intrigue 12054

Re: Insurance

Reply #15 –
Yahoo Message Number: 89719
Joe and Shelley,

We have no info on FMCA insurance but we are pleased with National Interstate,

Marta

07 Allure 31501

Insurance

Reply #17 –
Yahoo Message Number: 91350
Looking to change insurance company. Blue Sky seems to be the least expensive. Is this a case of "You get what you pay for!".

George, wb5ldn
08 Affinity 6877

Re: Insurance

Reply #18 –
Yahoo Message Number: 91375
We use National Interstate Insurance. Happy with it so far. Expensive but it does include Coach Net roadside assistance.

Lonny & Diane Livingston
'04 Allure #31065

Re: Insurance

Reply #19 –
Yahoo Message Number: 91380
Lonny,

In order to use Coach Net must you first call National Interstate and then they contact Coach Net or can you call Coach Net and just tell them you are a National Interstate customer. I too use National Interstate but I have also been paying Coach Net for my towing service so maybe I am paying twice for same service.
Ray 2000 Intrigue 11040

Re: Insurance

Reply #20 –
Yahoo Message Number: 91381
Expensive? I found them to be among the lowest cost companies. Who did you find to be cheaper? Jim Biestek
'04 Intrigue

Re: Insurance

Reply #21 –
Yahoo Message Number: 91382
Haven't really looked around lately. Might not be as expensive as other companies, but I wouldn't call it cheap either. Even with the same company, rates can vary depending on where you live and what coverage you have. I agree that National Interstate gives the best coverage for full timers for the least money.

Lonny & Diane Livingston
'04 Allure #31065

Re: Insurance

Reply #22 –
Yahoo Message Number: 91384
I have had National Interstate since 2005. I have been happy with them. Only raised price once. I like that they offer CoachNet. I have used them twice. Once with a tow and once when I could not locate a repair shop. They responded within 15 minutes with a very good shop that was able to make my repair. I now have zero deductible and replacement cost for what I paid for the coach if it is totaled. Hard to change and start all over.


Jock Vargo

2005 Inspire
51428

Re: Insurance

Reply #23 –
Yahoo Message Number: 91387
We had all property, vehicles and liability coverage with Farm Bureau. The incremental cost, $500 deductible, for a 2007 Allure was less than $400 annually. This included the full replacement feature, they seemed quite happy when the three years expired for that commitment.
Gerry Brown

former 2007 Allure 31447