National Interstate through Explorer Insurance

[seahunter]

Hello,

I just wanted to check in with those who have National Interstate insurance on their RV. Our renewal just came up, and the rate went from $426 to $534 - that's just over a 25% increase. I know everything is going up these days, but a 25% increase?

Are others on here noticing large increases like this on their insurance with National Interstate, or any other companies??

Thanks for any input!

Greg

[DQDick]

Haven't seen it yet with Blue Sky, but they did switch carriers last year and I'd bet that's the reason.

[seahunter]

quote:Originally posted by DQDick

Haven't seen it yet with Blue Sky, but they did switch carriers last year and I'd bet that's the reason.

Thanks Dick. Interesting - I just called Blue Sky, and they came in at $3 more on the quote than my new quote from Explorer with National Interstate. I guess everyone is going up??

[DQDick]

And we aren't comparing apples to apples. We have full-timers full replacement coverage and full coverage for all our add-ons. If we lose our rig they will owe us, in essence, a new Big Sky with all the extras plus IS and a replacement for our Solar set up. Our premium is a whole lot more than yours, but hasn't gone up. Apparently folks are moving up the price of lower coverage polices across the board.

[Tom S.]

quote:Originally posted by DQDick

And we aren't comparing apples to apples. We have full-timers full replacement coverage and full coverage for all our add-ons. If we lose our rig they will owe us, in essence, a new Big Sky with all the extras plus IS and a replacement for our Solar set up. Our premium is a whole lot more than yours, but hasn't gone up. Apparently folks are moving up the price of lower coverage polices across the board.

Do I have to say what's going to happen with your next bill?

[DQDick]

Actually it's a year away, but won't be a surprise.

[JandC]

When we recently traded our 2008 for the 2014 we changed our insurance profile (Progressive). We wanted the new one replaced if it was a total loss plus a little extra on contents. Our old insurance package and new one both were "full timers" but the new one went up about $400.00 a year.

[seahunter]

Well, I did some calling around for quotes, and yep, they're in the ballpark sad to report. Basically the new quote was "low" enough to just stay with them.

The one quote I couldn't believe was Good Sam. Apples to apples on coverage, they were a good $300 more than all the other quotes.

[Flymutt]

We have National General Insurance on the RV and just today I got a report from the State saying that Nat. Gen. requested a report on possible traffic violations. Thank goodness there were none so we'll see if the rates go up when I get the bill in about 30 days.

[joe1047]

hello,
I had national for 7 years with my 2008 Everest and just traded it in on a 2014 3625re. I was paying $360.00 a year for the Everest and it went up to $417.00 with the new Montana. I don't think this is a bad price for the new Montana. hope this help.

[seahunter]

quote:Originally posted by joe1047

hello,
I had national for 7 years with my 2008 Everest and just traded it in on a 2014 3625re. I was paying $360.00 a year for the Everest and it went up to $417.00 with the new Montana. I don't think this is a bad price for the new Montana. hope this help.

Welcome to the forum Joe, and congratulations on the new Montana!

I just got zapped for another $24 because I changed the garaged zip code...

Here is our info in case anyone wants to compare rates:

Rating Basis $69,179

Comprehensive ($500 deductible) $186
Collision ($500 deductible) $276
Diminishing Deductible $ 11
Total Loss Replacement $ 13
Personal Effects ($5,000) $ 39
Emergency Vacation Expense ($750) $ 8
Vacation Liability ($100,000) $ 5
Policy Fee $ 20

Total $558