Re: Used Coach Valuation and Insurance Reply #25 – October 11, 2019, 12:14:51 pm For value I just ran into this issue as after 2009 and so on a 2010 model NADA has not enough sold to determine value. Luckly USAA does the determination if this is the case off the total used selling price number which I did and will finance up to 80% of that number. I did not need to use this much financing though that is the way they did their calculations. For MOT of Texas I have worked with Mike Phillips at this location and his follow up has been outstanding and pretty much any day or anytime I received a response from him. I would just say let them know you are coming and they will have someone there to take care of you. He has even come in on a Sunday to help me out. Finally insurance I use Progressive through USAA with a set value and vanishing deductible. Every year my deductible goes down as long as there is not a claim until after 4 years it is then 0. USAA is excellent and have no complaints. Quote Selected 1 Likes
Re: Used Coach Valuation and Insurance Reply #26 – October 11, 2019, 05:09:15 pm If you have an honorable discharge from the military or are a family member, you can take advantage of the discount USAA gives through Progressive. We used Foremost but they raised the premium to almost $1000. Progressive with a high but disappearing deductible is $381/yr. Yes, zero deductible after 4 years. This is current as we sent them a check last month. Discount on Progressive rate by using USAA.Almost everyone around us has had their fire insurance cancelled. We have been lucky so far. Our friends just purchased a new house and the Homeowner's Insurance was going to be $6000/yr. I told them about USAA and they just got a policy for $1300/yr. Our only neighbor owns an insurance company and has had his cancelled twice. Now has the California Fair Plan just for the dwelling. He just wrote a policy for a large house for $13,000 a year!Electricity is back on now after over two days. U300 has come through powering the house! Lots of grocery stores had to give away all their perishable goods. 2 1/2 hours for gasoline at one station with a generator.Pierce Quote Selected 2 Likes
Re: Used Coach Valuation and Insurance Reply #27 – October 11, 2019, 05:16:16 pm U300 has come through powering the houseTell more about the setup....We are fairly remote and having the coach power our house would be awesome...ThxHans Quote Selected
Re: Used Coach Valuation and Insurance Reply #28 – October 11, 2019, 07:05:53 pm Quote from: Hans&Marjet – October 11, 2019, 05:16:16 pm U300 has come through powering the houseTell more about the setup....We are fairly remote and having the coach power our house would be awesome...ThxHansHans,You have probably seen that somewhere between 800,000 and 1.5 million homes have been without electricity for at least 2 days here in California. PG&E is the problem but don't want to go into their history now. There are several ways of bringing juice to the house, but unless you do it right, you could endanger any repair guys up on the pole as well as yourself. I turn off the main switch to the house and then just run a HD extension cord to the closest outlet. This powers everything except the well as it's 220V. I don't run the washing machine but everything else is propane or LED for the lights and the TVs don't draw much. I do have 220V at my pit so I can make a dedicated plug next to the generator and with a couple of wiring changes, have 220V for the pump too as well as use the existing larger wires from the pit to the house. To be safe and legal, you should have an electrician put in a switch so you can't start a fire or electrocute yourself or someone on a pole if you forget to shut off the main breaker.I do it the simple way but not necessarily the smartest way. I think someone on the forum posted a wiring diagram for changes needed at the generator.I ran it for 2 days with a light load until about 10pm and then turned it off. You only have about 4 safe hours for the food in the fridge and 48 hours for a full freezer but I put ice and cold packs in the fridge and the ice had not melted in the morning. I heard today that if you place a quarter on top of a cup of frozen ice and it's half way down in the morning, you are OK.Our outage gives an idea of what would happen in case of a major disaster. All the gas stations were closed but one. 2 1/2 hour wait in line for fuel and some people brought big plastic jugs, filled them and went back a few hundred feet and sold the fuel for over twice the station price. Some supermarkets brought in big reefer trucks and used them for all the perishable items. Others just called the radio station and gave everything away. Too bad. If they can put gas, sewer, water, fiber optics underground, they can put electricity there too. This is going to cost California at least 2 billion dollars. That would have paid to dig a lot of trenches. Climate change is only going to make things worse in the future.Yes, the good old Foretravel came through for us. Turned on the key this morning and the fuel gauge had not moved. Pierce Quote Selected 1 Likes
Re: Used Coach Valuation and Insurance Reply #29 – October 12, 2019, 10:15:11 am Down here in hurricane country power outages are not uncommon. One thing we've done to the freezer is to fill it with water bottles a few days before an outage (hurricane heading our way). That cold mass helps keep the freezer colder for a longer time. Glad the FT generator worked out. Quote Selected
Re: Used Coach Valuation and Insurance Reply #30 – October 12, 2019, 10:16:28 pm Quote from: DayDreamer – September 27, 2019, 03:46:15 pmLadies and Gentlemen.,I am still in the dreaming phase of being a Foretravel owner. I have spent many hours over the last week gleaning through this forum and find if a valuable resource. I really appreciate having a resource like this available and I have few questions I trust you can help answer.1. Any guidance on determining a fair value for a used coach? While I would love to splurge on a new Foretravel, I think a used one is a more realistic goal. The only used motor home valuation resource I have found on line is NADA which seems to be 20 to 25 percent less than advertised asking prices. I called my current insurance provider and their valuation is about 33% lower than the NADA average retail number. 2. Any recommendations on insurance providers?3. How much should I budget for insurance?I realize it depends on the coach's value and level of coverage, but would appreciate ballpark planning numbers. Quote Selected
Re: Used Coach Valuation and Insurance Reply #31 – October 13, 2019, 09:50:15 am Quote from: DayDreamer – September 27, 2019, 03:46:15 pmLadies and Gentlemen.,I am still in the dreaming phase of being a Foretravel owner. I have spent many hours over the last week gleaning through this forum and find if a valuable resource. I really appreciate having a resource like this available and I have few questions I trust you can help answer.1. Any guidance on determining a fair value for a used coach? While I would love to splurge on a new Foretravel, I think a used one is a more realistic goal. The only used motor home valuation resource I have found on line is NADA which seems to be 20 to 25 percent less than advertised asking prices. I called my current insurance provider and their valuation is about 33% lower than the NADA average retail number. 2. Any recommendations on insurance providers?3. How much should I budget for insurance?I realize it depends on the coach's value and level of coverage, but would appreciate ballpark planning numbers.So you now have a 2003? Quote Selected
Re: Used Coach Valuation and Insurance Reply #32 – October 13, 2019, 12:47:32 pm Quote from: craneman – October 13, 2019, 09:50:15 amSo you now have a 2003?We am still looking. Spent the day at MOT yesterday looking at several in an effort to determine what we want and reading lots of older posts on differences between coaches.David Damer has a 2003 2003 U-320. 38ft tag axle posted in the classifieds. Looks nice, but not sure yet we want a bedroom slide. Quote Selected
Re: Used Coach Valuation and Insurance Reply #33 – October 24, 2019, 08:25:07 pm Quote from: DayDreamer – October 13, 2019, 12:47:32 pm... not sure yet we want a bedroom slide. DayDreamer,In 2 years, I may be in the market for a 2003 or 2004 U320 with a Bedroom slide. Just curious why not a bedroom slide. I just haven't heard any issues concerning bedroom slides, other than to be on the lookout for delamination.Any thoughts? Quote Selected
Re: Used Coach Valuation and Insurance Reply #34 – October 30, 2019, 11:56:42 am Quote from: cucotx – October 24, 2019, 08:25:07 pmDayDreamer,In 2 years, I may be in the market for a 2003 or 2004 U320 with a Bedroom slide. Just curious why not a bedroom slide. I just haven't heard any issues concerning bedroom slides, other than to be on the lookout for delamination.Any thoughts?When they are in, it is more difficult to get to the bed, and non-slide seem pretty spacious. I do not have any personal experience with them, so I cannot really comment on their durability, but just seems like one more thing that can break or need repairs. The slide does seem to offer a lot of closet space, but we opted for a 97 with no slides. Just got it, so only time will tell if we made the right decision. Quote Selected
Topic: Used Coach Valuation and Insurance