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Topic: Auto Insurance Quotes (Read 914 times) previous topic - next topic

Auto Insurance Quotes

Good afternoon!

Time for the annual "shop for the least expensive insurance" game.  Have any of you gone through the process of late? Hopefully you can help me cut the corner on this one.  Progressive is the current leader in the club house, have checked with Allstate and Geico as well.

Thanks in advance.
Kevin

Current  1997 U295. Build #5160
Previous 1994 U300

Re: Auto Insurance Quotes

Reply #1 –
Auto - as in car, or are you asking about the coach?

Keep in mind that insurance pricing is entirely state and locality dependent.  To get any useful info what insurance market are you in?  (e.g. DFW Metro, central NY, rural northern WI, etc.)

If the coach, there is some previous very useful discussion here on the forum Insurance

If for the coach, ask Miller RV Insurance and Overland (Ron Jarvie) for quotes as well.  These independent brokers specialize in RV insurance
Learn every day, but especially from the experiences of others. It's cheaper!  - John C. Bogle

2000 U320 36' non-slide / WildEBeest Rescue
2003 U320

Re: Auto Insurance Quotes

Reply #2 –
We have been very happy with Ameriprize purchased through Costco.
We have our home, cars (3) and Foretravel insured with them.
1995 U320C SE 40'
Jeep 4x4 Commander - Limited - Hemi
"The Pack"  Yogi and Diesel our Airedales -  Charlie our Boxer/Akita mix. Gone but NEVER forgotten Jake our yellow Lab.
NRA Law Enforcement Firearms instructor - Handgun/shotgun
Regional Firearms instructor for national Armored Transp. Co.

Re: Auto Insurance Quotes

Reply #3 –
I have had State Farm for many years.  I was thinking about shopping around but they came through for me when I had storm related engine damage.  Saved me way north of $20K.  It pays to have a long time relationship with your agent and the company. You are not going to have that changing every year based on lowest price.
Roger Engdahl and Susan Green
2001 U320 3610 #5879 (Home2) - 2014 Jeep Cherokee or 2018 F150
Hastings, MN

Re: Auto Insurance Quotes

Reply #4 –
U S A A,  if you have served any millitary time.

Had Progressive usaa is 30% less ^.^d
The selected media item is not currently available.
My advice and experiences are Free, you decide if they are worth anything .

John - driving Old Faithful
1994 U280 GV
C8.3, Banks, Pacbrake, 900 watts, Resonator, XLHD tow dolly
Retired Army Warrant Officer

Life is what you make of it - if it is lemons, make lemonade!
Former Coaches:
1988 GV 40' ORED 300HP CAT - 9 years
1990 Winnebago LeSharo - 3 years
2000 Newmar London Aire - 3 years (#18 of 23 produced)

Re: Auto Insurance Quotes

Reply #5 –
Quote from: fouroureye –
U S A A,  if you have served any millitary time.
X2 on USAA.  I've been with them since 1968 - all our cars, home-owner's, and life insurance + banking.  They have never let me down!

For our coach, went with Overland.  USAA (in TX) just sub-contracts RV policies to Progressive.
1993 U280 SE 40' WTBI, Build: 4359
C8.3 300hp, 6-Speed, Exhaust Brake
960 watts on the roof (6 x 160)
Sorento (or BOLT) on a Kar Kaddy SS
"Nature abhors a vacuum"

Re: Auto Insurance Quotes

Reply #6 –
Oh, if your son, daughter, mother, after has served and has usaa you're eligible too.

Chuck.. pm me with your decision overland vs progressive, is it a Texas thing?
The selected media item is not currently available.
My advice and experiences are Free, you decide if they are worth anything .

John - driving Old Faithful
1994 U280 GV
C8.3, Banks, Pacbrake, 900 watts, Resonator, XLHD tow dolly
Retired Army Warrant Officer

Life is what you make of it - if it is lemons, make lemonade!
Former Coaches:
1988 GV 40' ORED 300HP CAT - 9 years
1990 Winnebago LeSharo - 3 years
2000 Newmar London Aire - 3 years (#18 of 23 produced)

Re: Auto Insurance Quotes

Reply #7 –
We went with Progressive thru USAA,a little cheaper than non USAA.
96 U270 BUILD 4810
85 380SL
Drummonds TN.

Re: Auto Insurance Quotes

Reply #8 –
Quote from: Michelle –
Auto - as in car, or are you asking about the coach?

Keep in mind that insurance pricing is entirely state and locality dependent.  To get any useful info what insurance market are you in?  (e.g. DFW Metro, central NY, rural northern WI, etc.)

If the coach, there is some previous very useful discussion here on the forum Insurance

If for the coach, ask Miller RV Insurance and Overland (Ron Jarvie) for quotes as well.  These independent brokers specialize in RV insurance
Thanks for the responses so far.................Michelle, asking about the coach.  Have auto through Geico.  Located outside of Houston, Texas.

Thanks again.
Kevin

Current  1997 U295. Build #5160
Previous 1994 U300

Re: Auto Insurance Quotes

Reply #9 –
Quote from: Roger & Susan in Home2 –
I have had State Farm for many years.  I was thinking about shopping around but they came through for me when I had storm related engine damage.  Saved me way north of $20K.  It pays to have a long time relationship with your agent and the company. You are not going to have that changing every year based on lowest price.
Roger and Susan, I had the same philosophy for 25 years with a company and agent, same agency that my father had been with for 20 years prior.  Two years ago, I shopped around on the auto policy and was absolutely getting hammered by the company that I had been loyal to for so many years...............in my opinion, gone are the days of loyalty in the insurance business.  Rates change too often in certain areas.  Hopefully that is not the case with State Farm.

Take care and safe travels!
Kevin

Current  1997 U295. Build #5160
Previous 1994 U300

Re: Auto Insurance Quotes

Reply #10 –
My sister is an insurance broker and told me ALL insurance companies are bandits, and, at our age, will cancel with no notice. So much for having the same company for fifty years!  >:D  She said, "One strike and you're out". Sad.
1993 U-240 "La Villa Grande"..CAT 3116 w/ Pacbrake PRXB...Allison 3060 6-speed..
Previous: 1983 Airstream 310 turbo diesel, 1979 Airstream 280 turbo diesel
                                      Build # 4297
                                      PNW natives
                      Home base:  'Cactus Hug' (Ajo, Arizona)
                        DW Judy & Chet the wonder dog
                        Full-Timers 'Sailing the asphalt sea'

Re: Auto Insurance Quotes

Reply #11 –
HI Kevin,
We shopped around for RV insurance. I did not go with the lowest price. I went with the company that would provide me with another ForeTravel comparable to mine in value. I know its hard to value an older RV (NADA, RV Traders etc. are helpful).  I made it clear to my agent what I was looking for in terms of quality and workmanship. I even made her, a former insurance adjuster, compare mine to a new model sold at my local Camping World in terms of frame sturcture, finishes, cabinetry, engine, generators, AC units, HWH, leathers inside, mattress, etc. I wanted full replacement value just like I have for my home. She could not believe that "Our V" was a 2006! Ask exactly what your coverage is and what you need to prove it's value. I'm just saying...
RollinO's - Bruce & Pat Olson
2007 40' Nimbus 340
2017 Jeep Grand Cherokee

Re: Auto Insurance Quotes

Reply #12 –
My lawyer gave me some good advice regarding insurance claims, I was making one after a person, intoxicated on something, veered off the road, through the fence, and completely through a reinforced concrete cottage I owned, narrowly missing the resident inside. 

"Chuck, what you need to understand is that  insurance companies are NOT in the check writing business."
"Not so  long ago we were a nation of risk takers, riding five million pounds of  thrust straight into space."  Joe Gresh
Chuck Pearson
1996 U295
2018 Can Am X3 TurboRS

Re: Auto Insurance Quotes

Reply #13 –
Quote from: Roger & Susan in Home2 –
I have had State Farm for many years.  I was thinking about shopping around but they came through for me when I had storm related engine damage.  Saved me way north of $20K.  It pays to have a long time relationship with your agent and the company. You are not going to have that changing every year based on lowest price.

When I filed the engine rebuild claim SF was going to total the coach until they took a look at what FTs were actually worth and then paid the claim.  Make sure your insurance people know exactly what you have.
Roger Engdahl and Susan Green
2001 U320 3610 #5879 (Home2) - 2014 Jeep Cherokee or 2018 F150
Hastings, MN

Re: Auto Insurance Quotes

Reply #14 –
Always keep in mind that the agent isn't yours but the company's and will do what's best for the company first of all. If you end up with  good deal when the dust settles then all well and good. If not well he's not your agent.
Larry
1996 U295 36'
Build # 4805
Actually we sold it but just like to lurk

Re: Auto Insurance Quotes

Reply #15 –
Probably a different thread - Re: Value - We had ours appraised by an independent company whose appraisal was accepted by the insurance company.  Insured for actual value.  We use Overland too.  No claims yet.  :D
Scott & Carol Seibert
2001 42' double slide U320 - Sold
Previous - 2002 36' U320
 

Re: Auto Insurance Quotes

Reply #16 –
Gary B guided us to a Progressive office in the Portland Oregon area. For the time being we asked for just under what we paid for it. Thinking being well reach certain bench marks with a second piece of property (barnominium) for the RV then up insurance to reflect remodeled value in a year or two. Risk a catastrophic total event in the meantime . I have always struggled with not wanting an ounce more insurance than absolutely necessary , especially with my business work comp😭
Tom
1998 U320 40'