Insurance Information

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Joined
Feb 23, 2020
Messages
161
Location
Blairsville, GA
RV Year
2019
RV Make
Newmar
RV Model
Ventana 3407
RV Length
34'10"
TOW/TOAD
2013 Jeep Wrangler Sahara Unlimited
All - We are shopping insurance companies, PIA, but the one I have chcked does not do MH insurance over 100,000 in value. So I am looking for some names of companies who do. I DO NOT full time for any reason, so that should cheapen my coverage. Frustrating to say the least. Now, we prefer to not use Progressive, Liberty Mutual, Allstate, or State Farm, but as I have said over my years, money talks and XXit walks. So I am going to check with them to see rates. Have not checked with good sam, again previous statement, but will give them a chance to earn business. Please post reply's here, and thank you in advance.
 
Joined
Jul 27, 2019
Messages
3,650
Location
Midlothian, VA
RV Year
2017
RV Make
Newmar
RV Model
Ventana 4037
RV Length
40' 10"
TOW/TOAD
2017 Chevy Colorado
Fulltimer
No
I'm with National General via Good Sam. I don't care for Good Sam but it was the best price for me. Each person is different based on whatever they look at.
 
Joined
Nov 15, 2019
Messages
261
Location
SW Florida
RV Year
2017
RV Make
Newmar
RV Model
Ventana 4369
RV Length
43
TOW/TOAD
24' Enclosed (Mini & Harley)
X2 for National General (Good Sams). One thing to keep in mind when getting quotes is that when you put your coach in "storage" mode National General is one of the few companies that will let you drop collision and some of the expensive parts of your coverage. This can lessen your annual premium a ton depending on how many months you are traveling.
 
Joined
Nov 4, 2019
Messages
651
Location
No Where In Particular
RV Year
2020
RV Make
Newmar
RV Model
Dutch Star 4369
RV Length
43’ 9”
TOW/TOAD
2016 Colorado
Fulltimer
Yes
FMCA has a discount insurance program you might want to look at. This is handled thru insurance broker out of Iowa and you can get quotes from different insurance companies. I have coverage thru Nationwide using FMCA program. I’m not saying it was the cheapest but got the coverage we wanted, as we are FT
 
Joined
Nov 3, 2019
Messages
331
Location
Glendora, CA
RV Year
2019
RV Make
Newmar
RV Model
Dutch Star 4369
RV Length
43
TOW/TOAD
2017 Ford F-150 Raptor w/AF1 Braking
Too bad you're not "over there"...this is a hot topic currently underway.

I can tell you the Readers Digest version: YOUR MILEAGE MAY VARY!

Key points:
  • Rates went up 33% for some
  • Location matters
  • No one company seems to "beat" another company, every time
  • Geico was cheaper for some, like me
  • FMCA member contracted Progressive was great for one guy, but going to Progressive direct was horrible
 
Joined
Dec 27, 2019
Messages
277
Location
Fredericksburg, VA
RV Year
2021
RV Make
Newmar
RV Model
Dutch Star
RV Length
43
I have a question for the National General folks. I got an online quote that made my jaw drop. It was less than half what I’m currently paying. Is that a teaser rate that pops at subsequent renewals?
 
Joined
Jul 27, 2019
Messages
3,650
Location
Midlothian, VA
RV Year
2017
RV Make
Newmar
RV Model
Ventana 4037
RV Length
40' 10"
TOW/TOAD
2017 Chevy Colorado
Fulltimer
No
What was your quote? Mine is about 2k/year. Had a windshield replaced through them, handed off to Duncan, was painless and worked well. My 2nd year premium went up slightly I think maybe 1-200'ish, not bad from horror stories I heard from others.
 
Joined
Nov 15, 2019
Messages
171
Location
Naples, FL
RV Year
2018
RV Make
Newmar
RV Model
New Aire 3341
RV Length
34’
TOW/TOAD
2016 Cadillac SRX
My rate is similar to Neal’s...I renewed last week-about a 5% increase. This will be my 2nd year.
 
Joined
Nov 17, 2019
Messages
884
Location
Prince William, VA
RV Year
2020
RV Make
Newmar
RV Model
Ventana 4326
RV Length
43
TOW/TOAD
2020 Ford F-150
Foremost via Overland Insurance
 
Last edited:
Joined
Dec 27, 2019
Messages
277
Location
Fredericksburg, VA
RV Year
2021
RV Make
Newmar
RV Model
Dutch Star
RV Length
43
What was your quote? Mine is about 2k/year. Had a windshield replaced through them, handed off to Duncan, was painless and worked well. My 2nd year premium went up slightly I think maybe 1-200'ish, not bad from horror stories I heard from others.

D79035FC-8929-447D-857B-EEBF08C2F2F5.png


I have been insured by Progressive via USAA for the past ten years. Not to look a gift horse in the mouth, but I have never experienced the large rate jacks I have read others have with them. This Nat Gen quote just seems a little too good.
 
Joined
Nov 17, 2019
Messages
884
Location
Prince William, VA
RV Year
2020
RV Make
Newmar
RV Model
Ventana 4326
RV Length
43
TOW/TOAD
2020 Ford F-150
I have been insured by Progressive via USAA for the past ten years. Not to look a gift horse in the mouth, but I have never experienced the large rate jacks I have read others have with them. This Nat Gen quote just seems a little too good.
Progressive via USAA wanted $10k a year from me. I was a little insulted. No one is going to pay that.

Unfortunately, my relatively young age puts me in a higher risk category, and the occasional speeding ticket every couple of years in my GTI didn’t help.

What did help was making my wife the primary on the policy. Females are lower risk. At that point, Foremost was the lowest rate I could find for a full timer’s package and it’s still not cheap. We tried Good Sam, Geico, Progressive Direct, Progressive via USAA and a whole host of others.
 
Joined
Nov 15, 2019
Messages
261
Location
SW Florida
RV Year
2017
RV Make
Newmar
RV Model
Ventana 4369
RV Length
43
TOW/TOAD
24' Enclosed (Mini & Harley)
What was your quote? Mine is about 2k/year. Had a windshield replaced through them, handed off to Duncan, was painless and worked well. My 2nd year premium went up slightly I think maybe 1-200'ish, not bad from horror stories I heard from others.

Ours is just over $1,800 per year. We have been with National General for awhile, Will be starting 3rd year with current coach this fall. Like Neal we had a windshield replaced last year ($3,600) and the next premium went up almost $2.00 per month! The claim process was seamless on that incident. Nappanee generally has you pay up front for extended warranty or insurance work. If you have National General they will work with them within 24 hours and get credit card payment for claim.
 
Joined
Nov 3, 2019
Messages
530
Location
Fremont, California
RV Year
2017
RV Make
Newmar
RV Model
Dutch Star 4018
RV Length
40’
TOW/TOAD
Jeep Wrangler Sahara
We have been with Progressive thru USAA for 15 years now and carry full replacement coverage. Last year we were paying $1800. This year $2400. I called and the answer for the increase was more-or-less tough s... I did get the impression that where I domiciled had some bearing on the rate hike but who knows. We’ve been at the same spot for forever. BTW, I spend a fortune with USAA every year with houses, cars, personal property etc all insured through them. Didn’t seem to matter with Progressive.
 
Joined
Jul 27, 2019
Messages
3,650
Location
Midlothian, VA
RV Year
2017
RV Make
Newmar
RV Model
Ventana 4037
RV Length
40' 10"
TOW/TOAD
2017 Chevy Colorado
Fulltimer
No
My boat was covered by Progressive through USAA. Progressive was a big no go on the RV quote. Not sure why, very strange!
 
Joined
Nov 3, 2019
Messages
185
Location
West Palm Beach Fl
RV Year
2017
RV Make
Newmar
RV Model
Ventana 4369
RV Length
44
TOW/TOAD
Buick Enclave
with the 15% discount, paying 570/6 months with Geico
 
Joined
Nov 18, 2019
Messages
9
Location
Cleveland, OH
RV Year
2018
RV Make
Newmar
RV Model
New Aire 3343
RV Length
33
TOW/TOAD
2015 F150 Platinum
Foremost Insurance through an independent insurance agency. First two years was $1,900/year. Just got renewal for year 3, increase of $400. New replacement cost included.
 
Joined
Nov 17, 2019
Messages
884
Location
Prince William, VA
RV Year
2020
RV Make
Newmar
RV Model
Ventana 4326
RV Length
43
TOW/TOAD
2020 Ford F-150
Foremost Insurance through an independent insurance agency. First two years was $1,900/year. Just got renewal for year 3, increase of $400. New replacement cost included.
Was the independent agency Overland?
 
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