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09-02-2018, 02:03 PM
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#1
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Montana Fan
Join Date: Jul 2018
Location: Marion
Posts: 234
M.O.C. #22281
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Insurance on Montana HC 384BR
I got my bill from Foremost, just paid it, it was $1404 for the year. I was kind of shocked.
When the agent asked for the price of the fifth wheel over the phone I told him the msrp, $72,000.
No questions about full time use since we still own our house and aren't full timing it yet.
Is this high or is this just what it costs?
__________________
2019 Montana High Country 384BR
2018 Ram cclb 4x4 6.7 cummins/aisin dually
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09-02-2018, 02:20 PM
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#2
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Site Team
Join Date: Sep 2017
Location: Oro Valley
Posts: 4,086
M.O.C. #20477
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Fish,
Over twice what I am paying for full replacement with Geico. I would have given the price you paid vice MSRP - no one pays MSRP and they likely used it in computing the insurance price.
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Zack and Donna plus Millie and Ranger
2018 3160RL
"Life is too short to stay indoors, enjoy the ride!"
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09-02-2018, 02:35 PM
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#3
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Montana Master
Join Date: Jul 2010
Location: Lake Havasu City AZ.
Posts: 1,811
M.O.C. #10552
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Mine is AAA at $427.00
__________________
Wayne and Ann Moore
2015 Ford F-350 King Ranch
Firestone air bags, bed saver.
Add 40 GAL tank in bed.
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09-02-2018, 02:40 PM
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#4
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Site Team
Join Date: Jun 2011
Location: Wilsey
Posts: 18,799
M.O.C. #11455
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We use Millerrvinsurance.com to find us the lowest price for what we need. We have full timers insurance, full replacement cost, coverage on our Prius and our truck so we are paying more than you are.
__________________
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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09-03-2018, 01:44 PM
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#5
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Established Member
Join Date: Apr 2017
Location: Concord
Posts: 49
M.O.C. #19636
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Fish,
I have the same unit (2017 370BR) with Good Sam/National General and I'm paying 524.76 per year.
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09-03-2018, 03:08 PM
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#6
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Montana Master
Join Date: May 2005
Location: Fall Creek
Posts: 1,337
M.O.C. #3699
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Our Montana overlaps on our truck with GEICO, much less than what was stated by the OP
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Bob and Nancy Kassl Fall Creek, Wisconsin
2015 Montana 3440RL Legacy Edition, G614's, Pressure Pro TPMS, Dish Tailgaters
2016 GMC Sierra Denali 3500 CC SRW, Iridium Metallic, Duramax Allison Transmission
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09-03-2018, 03:22 PM
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#7
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Montana Master
Join Date: Aug 2015
Location: SWFL
Posts: 965
M.O.C. #17801
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Can't be right, or you need to shop for another insurer. I pay one third of that with GEICO.
__________________
2016 Montana 3711FL
2005 Ford F350, 6.0 diesel, short bed
Demco Hitchiker Auto Slide hitch
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09-03-2018, 06:12 PM
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#8
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Montana Master
Join Date: Dec 2009
Location: Sebring
Posts: 3,669
M.O.C. #9969
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In my opinion, trying to compare Insurance Rates on a Forum are impossible, unless you list all the riders/options with your policy and everyone else does the same. If you have coverage for Full Replacement the rates will vary depending on the replacement cost, Collision coverage varies depending on the Deductible. Plus the State it's registered in also has to be factored in.
__________________
Michelle & Ann
2018 Chevy 3500HD High Country DRW 4X4 Crew Cab w/Duramax/Allison, Formally 2010 Montana 2955RL, Now Loaded 2016 SOB, Mor/ryde IS, Disc Brakes & Pin Box, Comfort Ride Hitch, Sailun 17.5 Tires.
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09-12-2018, 10:05 PM
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#9
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Montana Master
Join Date: Sep 2017
Location: Willis
Posts: 896
M.O.C. #20587
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Quote:
Originally Posted by mhs4771
In my opinion, trying to compare Insurance Rates on a Forum are impossible, unless you list all the riders/options with your policy and everyone else does the same. If you have coverage for Full Replacement the rates will vary depending on the replacement cost, Collision coverage varies depending on the Deductible. Plus the State it's registered in also has to be factored in.
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Ditto on this. I've recently been reshopping all of my insurance needs and the sky is the limit! Prices all over the spectrum from many different companies. We'll most likely stay with Liberty Mutual after spending hours on the email and phone.
__________________
2018 Montana 3791RD (SOLD)
2017 Ram 3500 DRW 6.7 Cummins Aisin, B&W RVK3600 (SOLD)
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09-13-2018, 09:36 AM
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#10
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Montana Master
Join Date: Sep 2017
Location: Tacoma
Posts: 1,567
M.O.C. #20475
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Ditto on what Michelle & Ann say! It all depends on what you have and how you have it insured and wear you live.
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Bob & Carol Washington St
2017 HC HM352RL 2018 Dodge 3500 laramie CC LB 4x4
Curt Q25 with puck system, Factory air bags
Happy Trails
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09-16-2018, 01:14 PM
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#11
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Seasoned Camper
Join Date: Jul 2018
Location: St. Louis
Posts: 82
M.O.C. #22121
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I pay $900 at Statefarm for a 3791
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09-16-2018, 01:40 PM
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#12
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Established Member
Join Date: Jul 2018
Location: Carrollton
Posts: 20
M.O.C. #22331
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We have Auto Owners Insurance for our auto and Home so we put our unit on the auto policy. Agreed value of $72,000 for $480.00 a year.
Insurance rates vary from state to state and even by zip code in the same state.
Make sure you have adequate limits of liability in the event you do have an accident.
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09-16-2018, 02:46 PM
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#13
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New Member
Join Date: Aug 2015
Location: Moore Haven
Posts: 2
M.O.C. #17739
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Quote:
Originally Posted by Fish
I got my bill from Foremost, just paid it, it was $1404 for the year. I was kind of shocked.
When the agent asked for the price of the fifth wheel over the phone I told him the msrp, $72,000.
No questions about full time use since we still own our house and aren't full timing it yet.
Is this high or is this just what it costs?
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That is very high! I'm don't know about your state but if you aren't fulltimer in Michigan you can insure your trailer on your auto insurance. We had to go with a separate company because we don't have any liability and so couldn't insure on our auto since the liability portion would have come from our home if we were full timers. You should check and get a quote from Good Sam/Camping World, our's is less then your's and we had to have extra coverage because of our personal property. I know from working with insurance that Foremost has a reputation as being high. Hope this helps.
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09-16-2018, 02:49 PM
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#14
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Montana Fan
Join Date: Mar 2009
Location: Sun Lakes, AZ 85248
Posts: 181
M.O.C. #9174
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We are with State Farm - they charge $564 for my annual bill for a 2019 3721RL. State Farm also covers our home, truck, SUV and umbrella which give a discount overall.
Good Sam quoted over $2400 and said I had a chargeable accident - I did NOT have any accident so I went to State Farm... Bad Sam
__________________
Carl & Susan G
2021 Montana 3121RL Legacy
2017 Ford F250 6.7 diesel
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09-16-2018, 03:10 PM
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#15
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Montana Fan
Join Date: Jun 2015
Location: Cedar Park
Posts: 135
M.O.C. #17531
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Usaa - $644
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09-16-2018, 05:00 PM
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#16
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Established Member
Join Date: Jul 2018
Location: Carrollton
Posts: 20
M.O.C. #22331
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Good Sam wasn’t so good for us as they wanted almost $2,200.00.
Shop wisely as some companies have gaps in coverage.
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09-16-2018, 05:58 PM
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#17
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Montana Fan
Join Date: Nov 2011
Location: Albany
Posts: 409
M.O.C. #11972
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I pay $250 per year for my 2012 3150RL with $1,000 deductible.
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09-16-2018, 06:56 PM
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#18
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Established Member
Join Date: Jul 2016
Location: SPRINGFIELD
Posts: 23
M.O.C. #18759
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Citrix43
Quote:
Originally Posted by Fish
I got my bill from Foremost, just paid it, it was $1404 for the year. I was kind of shocked.
When the agent asked for the price of the fifth wheel over the phone I told him the msrp, $72,000.
No questions about full time use since we still own our house and aren't full timing it yet.
Is this high or is this just what it costs?
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Do you state the RV insurance was that high? Are you using Stated Value or Present Value?
FYI: We have a 2016 Montana, purchased new. When not in use, in a secured storage area. In storage, we have Comp only with $1,000.00 deductible. When we prepare to move, I email my agent, he then starts Collision, same deductible, when we come back, email to my agent, he removes Collision. Policy cost when in storage is $288.00 per year, Collision cost while activated, is very small amount of which I am billed by the insurance company, pay them, and back to Comp.
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09-18-2018, 02:22 PM
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#19
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Seasoned Camper
Join Date: Aug 2017
Location: Johnstown
Posts: 52
M.O.C. #20360
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We pay half that with State Farm. Keep in mind that rates vary drastically depending where you live and where the trailer is stored.
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09-18-2018, 04:39 PM
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#20
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Montana Fan
Join Date: Feb 2017
Location: No Town
Posts: 432
M.O.C. #19482
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Ours is $1277.00 a year - USAA - truck & 5th wheel, full replacements, $500 deductible.
__________________
Don & Ann Wheeler:
2017 Montana 3791RD, 2017 RAM 3500 Diesel Dually, Aisin, 4.10, Sailuns, Disk Brakes, TST TPMS.
Don: USAF Ret., Fighter Pilot - Vietnam Vet '66-'67 & Ann: Ret., Texas A&M Ph.D.
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