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Old 07-15-2019, 02:31 PM   #61
drjjj
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Like a lot of MOC'ers I was with National Interstate for years. Went with Progressive last year based on opinions here and (primarily) on a recommendation from USAA, my primary insurance carrier (house, vehicles, umbrella). Last year paid about 1350. This year they want $1522. This is for $1K deductible for both comprehensive and collision. We use the rig less than 60 days per year. Does this sound reasonable? Don't want to think that USAA would steer me wrong, but sounds kind of high.
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Old 07-15-2019, 03:08 PM   #62
AZ Traveler
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Drjjj,

That is too high for a non full timer. After 35 years with USAA I left them a couple of years back and went with GEICO. Much better service and prices. Cost for RV is under $600 a year with $500 deductible and full replacement coverage.
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Old 07-15-2019, 04:51 PM   #63
dadnjesse
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Quote:
Originally Posted by drjjj View Post
Like a lot of MOC'ers I was with National Interstate for years. Went with Progressive last year based on opinions here and (primarily) on a recommendation from USAA, my primary insurance carrier (house, vehicles, umbrella). Last year paid about 1350. This year they want $1522. This is for $1K deductible for both comprehensive and collision. We use the rig less than 60 days per year. Does this sound reasonable? Don't want to think that USAA would steer me wrong, but sounds kind of high.
That doesn't sound too high to me if that includes your home and cars
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Old 07-15-2019, 06:17 PM   #64
Jamesb
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Not a full timer. Full coverage, direct replacement, not prorated value. $500.00 deductible cost me $426.00 yearly with Progressive. FW is paid for, if that mattered. Best price I have ever found? I do not have anything else with them. Just the FW.
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Old 07-16-2019, 05:24 AM   #65
Dave W
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Just got my 2019-2020 policy from AMICA. $1000 deductible, NY State is $483 which is $.00 less then last year. SF Northeast Headquarters is about 4 miles away couldn't come close. Locally, SF is not well liked as either an empolyer or an insurer
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Old 07-16-2019, 10:24 AM   #66
richfaa
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Update..still progressive full coverage no deductible replacement value 769.00 this year
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Old 07-16-2019, 12:52 PM   #67
drjjj
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dadnjesse: $1572.00 for the trailer only. Breakdown:
Comprehensive ($54K value-$750 deductible): $795
Collision ($54K value-$750 deductible): $708
Replace personal effects ($5K limit-$100 deductible): $45
Vacation liability ($250K limit): $10
Roadside assistance: $12
"Automobile Burglary/Theft Prevention Authority Fee": $2
TOTAL: $1572
($91 discount if paid in full)
I have never made a claim on this trailer, and never paid over $900 with Nationwide with zero deductible.

Rich: Mind sharing your limits? PM me if you desire.
This sounds crazy to me.
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Old 07-16-2019, 01:11 PM   #68
richfaa
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We have all our insurance needs through Progressive. We are in Ohio and suggest you contact progressive in your state. The rate is for the RV only.



Summary of Coverages and Rate

Policy Coverage

Limits

Rate

Full Timer's Personal Liability: No Coverage $0.00


Vehicle

Rate

2013 KEYSTONE RV MONTANA FIFTH $769.00
Total policy rate: $769.00



2013 KEYSTONE RV MONTANA FIFTH

Physical damage option: Total Loss Replacement/Purchase Price 76K
Disappearing Deductibles: Selected


Coverages

Limits

Rate

Comprehensive: $0 deductible $493.00
Collision: $0 deductible $238.00
Included with Comprehensive and (if purchased)
Collision: Disappearing Deductibles
Mexico Coverage
Fire Department Service - $1,000
Included
Emergency Expense: $750 (included) Included
Vacation Liability: $100,000 $8.00
Replacement Cost Personal Effects: $5,000
$100 deductible $30.00


Roadside Assistance:
No Coverage $0.00
Total rate for this vehicle: $769.00
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Old 07-24-2019, 03:35 PM   #69
rpkittle1
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GEICO

Just bought full time RV insurance. 2011 37' Montana with F250 truck. $1775 per year for both. $500 deductibles. Several upgrades above basic insurance. No house or other cars. Will not go with Progressive.
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Old 07-24-2019, 03:59 PM   #70
drjjj
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What company did you go with?
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Old 07-24-2019, 04:04 PM   #71
richfaa
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Quote:
Originally Posted by rpkittle1 View Post
Just bought full time RV insurance. 2011 37' Montana with F250 truck. $1775 per year for both. $500 deductibles. Several upgrades above basic insurance. No house or other cars. Will not go with Progressive.
Well good for you our total Vehicle insurance with F-350 Truck 2018 Honda odyssey and the above mentioned Montana is 2393 per. We have not had a problem with Progressive
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Old 07-24-2019, 04:12 PM   #72
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GEICO. Did everything over the internet and by phone. People I talked with most helpful.
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