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12-21-2013, 04:33 AM
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#1
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Montana Fan
Join Date: Dec 2009
Posts: 238
M.O.C. #9976
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Tow Vehicle Insurance
I've been with State Farm for 35+ years. Just got the renewal notice. Annual cost = just a bit over $1200.00.
Did an online quote with Geico using same coverage we have with State Farm and Geico came in a LOT less.
I'm thinking it's time to change, especially since my health insurance just went up $100 a month and will probably skyrocket in 2014.
We are full-timers (Escapees) with Livingston, TX address.
Tell me about your insurance company for your TV. Geico? Progressive? Any other company? Service?
Thanks!
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12-21-2013, 05:41 AM
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#2
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Montana Master
Join Date: Jan 2012
Location: Copperas Cove
Posts: 1,426
M.O.C. #12096
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I used to be with Geico and went with USAA. But last year they really increased my insurance so back to Geico. Pay $1540 for the truck, 2 cars(one liability only) and the Montana a year....
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12-21-2013, 06:30 AM
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#3
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Montana Master
Join Date: Aug 2010
Location: Washington Coast
Posts: 2,688
M.O.C. #10696
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It all depends on what state you live in ,I shopped for a while and I have been with AAA/Progressive for a few years now and they are RV friendly with good rates but like I said a lot of variables
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12-21-2013, 07:07 AM
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#4
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Montana Master
Join Date: Aug 2004
Location: Cedar Rapids
Posts: 4,876
M.O.C. #1944
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Quote:
quote:Originally posted by TxYellowRose
I've been with State Farm for 35+ years. Just got the renewal notice. Annual cost = just a bit over $1200.00.
Did an online quote with Geico using same coverage we have with State Farm and Geico came in a LOT less.
I'm thinking it's time to change, especially since my health insurance just went up $100 a month and will probably skyrocket in 2014.
We are full-timers (Escapees) with Livingston, TX address.
Tell me about your insurance company for your TV. Geico? Progressive? Any other company? Service?
Thanks!
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State Farm dropped us when we went full time in 2000. Since then we've been with National Interstate through Explorer RV in Ohio and are presently are with Progressive at about $1400 ($1356) per year. This includes $24 per month for allowing me to pay monthly ($1.00 per month for each policy). Explorer RV can provide you with good insurance as well as Progressive.
Orv
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12-21-2013, 11:14 AM
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#5
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Site Team
Join Date: Jun 2011
Location: Wilsey
Posts: 18,799
M.O.C. #11455
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We're with progressive and overtime have gotten discounts that have kept the price reasonable.
__________________
Dick, Joyce, Diego, Picatso and Gustav
2017 3720 RL, and 2013 HC 343RL
Pullrite Hitch, IS, Disk Brakes, 3rd AC, Winegard Traveler, Bathroom door mod, Dometic 320, couch for desk swap, replaced chairs, sun screens, added awnings, etc.
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12-21-2013, 12:04 PM
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#6
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Montana Fan
Join Date: Feb 2013
Location: Nashville
Posts: 118
M.O.C. #13210
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Been with Geico for 30 plus years now with Cars, and 5ver. They also offer the full replacement option for the 5ver for the first 5 years of coverage if you ask for it. We received a loyalty letter from them last year indicating our coverage was now good for a lifetime and would/could never be cancelled.
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12-21-2013, 04:05 PM
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#7
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Montana Master
Join Date: Feb 2005
Location: Haysville
Posts: 4,261
M.O.C. #3085
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Been with Farmers Insurance since Moby Dick was a Guppie ... decent rates and good service ... however as with most all else now days, they've been steadily bumping up the price. $705 / yr with $750 deductible ... pay by the year to get that discount. Yeah, my ole truck isn't right off the assembly line by any means, but I keep her shining like a new one inside and out, with a few mods she pulls to meet my expectations, and my property tax is easy on the wallet. Heck, I don't even need to know what DEF stands for yet.
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12-21-2013, 04:57 PM
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#8
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Montana Master
Join Date: Jul 2013
Location: Aguanga
Posts: 606
M.O.C. #13601
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We went with National General when we went full time. Had Nationwide for the S&B and all cars before and Progressive for the RVs, which includes free Mexico Comp coverage. NG offered the homeowners type of coverage for full timers along with the normal auto/rv insurance. They came in quite a bit cheaper than Progressive who has been more more expensive for auto every time i've requested a new quote but comparable for RV insurance. I did keep my older SOB 5'er on Progressive to get the additional Mexico coverages since it spends a lot of time south of the border.
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12-22-2013, 01:53 AM
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#9
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Montana Master
Join Date: May 2011
Location: Hixson
Posts: 3,436
M.O.C. #11397
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Had been with Allstate for 25 years and about 3 years ago decided to shop around. Geico saved me $984 per year for same coverage at same address.
__________________
2018.5 Montana 3791RD
Full Timers 9/1/2010 through 1/16/2020.
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12-22-2013, 02:37 AM
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#10
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Montana Master
Join Date: Feb 2012
Location: Lake Gaston
Posts: 8,773
M.O.C. #12156
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Complicated question with state regs, bundling, driving record, discounts, deductables, liability selections, etc. I use USAA and pay $426 a year for the truck and $340 a year for the wifes car. The Montana is insured thru Progressive, as is our boat.
__________________
Mike and Lorraine
2002 3655 FL, 2005 3650RK
2010 3665RE, 2015 3910FB
F350 crew cab dually 6.7
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12-22-2013, 04:06 AM
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#11
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Site Team
Join Date: Jun 2011
Location: Wilsey
Posts: 18,799
M.O.C. #11455
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I'm sure all of them have something like this now, but State Farm and Farmer's didn't when I was with them. With Progressive we get increasing discounts over time up to a certain level and since we've been with them 3 years we have a "small accident forgiveness", once we hit 5 years we'll have a "large accident forgiveness". Probably worth a lot less than it sounds, but keeps me happy.
__________________
Dick, Joyce, Diego, Picatso and Gustav
2017 3720 RL, and 2013 HC 343RL
Pullrite Hitch, IS, Disk Brakes, 3rd AC, Winegard Traveler, Bathroom door mod, Dometic 320, couch for desk swap, replaced chairs, sun screens, added awnings, etc.
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12-23-2013, 01:48 AM
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#12
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Montana Master
Join Date: Mar 2013
Location: Frostproof, FL USA
Posts: 2,362
M.O.C. #13272
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We went full time in March. Based on DQDick and others on the forum we got a quote from Progressive on the Monte. The full time package with Progressive was cheaper than most and IMHO better. We then had them quote our vehicle policies the next month and they were able to give us better coverage for 40% less! We had been with our previous insurance company for over 20 years with no claims. When we purchased our golf cart we didn't bother getting quotes we just called Progressive and insured it. It is easy to do everything on-line with them and billing can be paperless, which for us is a requirement. I haven't had a claim with them yet so I can't say how that would go.
__________________
Previous: 2008 Montana 3400RL & 2014 3725RL
Current: Full Time 2022 SOB TT Toy Hauler
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12-23-2013, 02:49 AM
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#13
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Montana Master
Join Date: Oct 2012
Location:
Posts: 608
M.O.C. #12894
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We have State Farm for everything, they don't advertise Rv ins to the public because it's only offered to existing policy holders. That is what I was told by agent. My Rv policy is $800. yr.
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12-23-2013, 09:34 AM
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#14
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Montana Master
Join Date: Aug 2007
Location: Waterford
Posts: 3,693
M.O.C. #7500
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No matter who you are insured with, it's wise to shop every couple years to make sure you're getting the best deal for your money.
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12-26-2013, 03:59 AM
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#15
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Montana Master
Join Date: Aug 2004
Location: Cedar Rapids
Posts: 4,876
M.O.C. #1944
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Quote:
quote:Originally posted by scott-pati
We have State Farm for everything, they don't advertise Rv ins to the public because it's only offered to existing policy holders. That is what I was told by agent. My Rv policy is $800. yr.
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State Farm is good unless you go full time in your RV. Then they'll cancel your insurance. By full time, I mean you no longer live in a stick house that you have insured by them. How do I know? Don't ask.
Orv
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