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07-06-2017, 08:02 AM
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#1
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Montana Fan
Join Date: Jun 2017
Location: Burleson
Posts: 111
M.O.C. #20065
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Full timers INSURANCE cost
Which Insurance company has the best and least expensive insurance for our truck and 5th wheel? What insurance companies are you full timers using? We would appreciate your reply to this thread and thank you in advance for replying.
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07-06-2017, 08:22 AM
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#2
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Site Team
Join Date: Jun 2011
Location: Wilsey
Posts: 18,799
M.O.C. #11455
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Insurance cost vary from state to state. Since we have home bases in two states we know for sure. My cost won't match yours and we have the rig, full timers insurance, truck and prius all bundled together so I'm not sure how to break just rig and truck out. We use the Miller Agency to find us the best deal. They used to just do RV insurance, but with folks leaving the lifestyle they now do it all. Lots of good options out there, but they work for us. http://www.millerrvinsurance.com
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07-06-2017, 06:17 PM
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#3
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Montana Master
Join Date: Feb 2012
Location: Lake Gaston
Posts: 8,773
M.O.C. #12156
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We use Progressive, thru USAA.
__________________
Mike and Lorraine
2002 3655 FL, 2005 3650RK
2010 3665RE, 2015 3910FB
F350 crew cab dually 6.7
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07-06-2017, 07:27 PM
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#4
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Seasoned Camper
Join Date: Apr 2017
Location: Jerome
Posts: 97
M.O.C. #19743
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Quote:
Originally Posted by 1retired06
We use Progressive, thru USAA.
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X2 but not full time
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07-09-2017, 01:21 PM
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#5
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Seasoned Camper
Join Date: Aug 2014
Location: Thonotosassa
Posts: 51
M.O.C. #14649
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I also used Miller. RV only but substantual savings over Progressive (less than 1/2 their price) and others we looked at. Great to work with. We are full timing in Florida but originally from Michigan. Quite a change in rates from homeowner to full timer.
http://www.millerrvinsurance.com
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07-10-2017, 04:59 PM
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#6
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Montana Master
Join Date: Feb 2004
Location: Pahrump
Posts: 2,523
M.O.C. #1081
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We currently have Blue Sky Insurance but today I received an e-mail that they are dropping us after our current policy expires next month. They are no longer providing RV and vehicle insurance packages.
Guess we will be hunting for new insurance now too! Will check out this Miller RV Insurance company. Thanks for the tip.
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07-13-2017, 09:35 AM
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#7
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Montana Fan
Join Date: Feb 2017
Location: No Town
Posts: 432
M.O.C. #19482
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Insurance
We have been with USAA for 50 years. No reason to change now.
__________________
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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07-13-2017, 10:15 AM
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#8
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Montana Master
Join Date: Dec 2009
Location: Sebring
Posts: 3,665
M.O.C. #9969
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Progressive here also for Truck, 5er, and Chevy Malibu
__________________
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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07-13-2017, 11:34 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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We have Geico full timers on Montana and truck. Tennessee.
__________________
2018.5 Montana 3791RD
Full Timers 9/1/2010 through 1/16/2020.
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07-19-2017, 05:51 PM
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#10
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Montana Fan
Join Date: Jun 2013
Location: Boise
Posts: 288
M.O.C. #13564
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Full Time Insurance
I just recieved my renewal notice from National General through Good Sam. The price went from $1800 to $2800 for the annual premium. No changes, no tickets, no claims, no accidents. I was shocked. We domicile in South Dakota using the Dakota Post address.
Is anyone who full times having the same experience and what have you done? This increase seems excessive and I don't seem to be able to find any options. Progressive is $500 more than my renewal cost. Miller Insurance is more and a quote from PPL is also $500 more. Blue Sky no longer writing full time, Gieco said they don't do full timers any longer, Any suggestions? It appears that medical insurance is not the only type of insurance taking advantage of people!!
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07-20-2017, 05:38 PM
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#11
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Montana Fan
Join Date: Feb 2016
Location: Brookings
Posts: 313
M.O.C. #18275
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Progressive here for the truck/Jeep and 5th wheel......full coverage on all of them and we full-time.
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07-21-2017, 08:14 AM
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#12
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Montana Fan
Join Date: Jun 2013
Location: Boise
Posts: 288
M.O.C. #13564
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Thanks for the information I checked with Progressive and they were Over $3000.00 per year. Just out of my budget. I did call Gieco directly and found they do write full time insurance in SD and they gave me a reasonable quote. I went with them this year and hope they don't increase to the point they price me out of the market!!
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07-25-2017, 03:02 PM
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#13
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Montana Master
Join Date: Aug 2009
Location: Grand Rapids
Posts: 1,898
M.O.C. #9561
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we pay just under $1K through progressive. gosh, i hope that doesn't change at the next renewal.
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07-25-2017, 04:35 PM
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#14
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Montana Fan
Join Date: Jun 2013
Location: Boise
Posts: 288
M.O.C. #13564
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Quote:
Originally Posted by mazboy
we pay just under $1K through progressive. gosh, i hope that doesn't change at the next renewal.
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Hope so also. I was shocked when I got my quote. Goodluck.
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07-25-2017, 05:34 PM
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#15
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Montana Fan
Join Date: Feb 2016
Location: Brookings
Posts: 313
M.O.C. #18275
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Wow! Progressive for us is under a thousand for full coverage for the Jeep/Ford truck and Montana
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07-25-2017, 06:25 PM
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#16
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Montana Fan
Join Date: Jun 2013
Location: Boise
Posts: 288
M.O.C. #13564
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I was told by an agent that a large amount of losses occurred in SD, MT, and ID resulting in a large increase. Who knows if this is true or just another opinion. I thought the rate was ridiculous considering no claims, tickets, or any other problems. Including credit score over 800, Maybe they just did not want my business. Thank goodness for Gieco being somewhat reasonable. Full timer insurance does include some contents above the full coverage type policy's but we only indicated $10,000 contents. This included some jewelry, it also provides liability similar to a homeowners policy.
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08-29-2017, 06:40 AM
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#17
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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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Thinking ahead to fall and getting full timers insurance I am starting to read threads like this. When we were full timing just a few years ago we had our truck and fiver with Progressive and if I remember correctly it was just over $1400 a year (Illinois registrations).
Currently we have a car and Harley with them (Florida registrations) and they are cheaper than almost anyone. I guess I will start by getting a quote from them then move on to Miller.
__________________
Previous: 2008 Montana 3400RL & 2014 3725RL
Current: Full Time 2022 SOB TT Toy Hauler
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10-13-2017, 03:00 PM
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#18
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Montana Fan
Join Date: Jun 2017
Location: Burleson
Posts: 111
M.O.C. #20065
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365 Days a Year Living
HELP! We live full time in our rig. We'll be home based at an RV park during the school year but we will travel during Holidays, Weekends, and Summers...we're both teachers. Allstate, State Farm, Farmers, etc. won't cover us if we live 365, 24-7 in our 5'er. We need to know what insurance company out there WILL INSURE US when we stay 365, 24-7 in our 5'er???
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10-13-2017, 05:29 PM
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#19
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Montana Fan
Join Date: Feb 2016
Location: Brookings
Posts: 313
M.O.C. #18275
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Quote:
Originally Posted by Dmcgrew
Thanks for the information I checked with Progressive and they were Over $3000.00 per year. Just out of my budget. I did call Gieco directly and found they do write full time insurance in SD and they gave me a reasonable quote. I went with them this year and hope they don't increase to the point they price me out of the market!!
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Wow! Mine a little less the 1K a year for everything.
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10-14-2017, 05:57 AM
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#20
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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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Quote:
Originally Posted by Retire 2022
HELP! We live full time in our rig. We'll be home based at an RV park during the school year but we will travel during Holidays, Weekends, and Summers...we're both teachers. Allstate, State Farm, Farmers, etc. won't cover us if we live 365, 24-7 in our 5'er. We need to know what insurance company out there WILL INSURE US when we stay 365, 24-7 in our 5'er???
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A good place to start would be quotes from Progressive and Good Sams. There are only a handful of carriers that will do full time RV policies. We are going to start our selection process in another couple of weeks. Hoping to get a good full time policy at between $1,000 and $1,200 a year.
__________________
Previous: 2008 Montana 3400RL & 2014 3725RL
Current: Full Time 2022 SOB TT Toy Hauler
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