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Topic: Used Coach Valuation and Insurance (Read 2371 times) previous topic - next topic

Re: Used Coach Valuation and Insurance

Reply #20 –
Quote from: Johnstons –
They have always been closed on Saturday but this is now the schedule according to the website.  I'd be unhappy too (and I'm a big defender of MOT.)


They should either update their website to show closed or by appointment only.  In retrospect, I should have called earlier in the week to confirm, but based on the website it seem pretty clear to me they were open Sat 9 to 3.

I walked the lot, but was definitely disappointed after driving  3 hours to find them closed.

Re: Used Coach Valuation and Insurance

Reply #21 –
Call there Monday  and let Mel or Jason know that you made the drive based on their website.

Re: Used Coach Valuation and Insurance

Reply #22 –
Welcome to the forum Dreamer.  Having recently researched the rigs that are available, you probably have a better idea of the value than most of us here.  When you come to an agreed value with the seller, you have the value of your coach.  You can insure it for stated value (what you agree it is worth with your insurance company).  I've been with USAA for forty years (gasp) and though they do not insure RVs, they have partnered with Progressive to handle their member's coaches.  To me that is a high recommendation.  I do not know if USAA /Progressive are given special consideration, but you can check it out.  I've gone years without having to use my insurance, but have made up for it in the last three years (see my recent comments under Michelin) for a couple of incidences and two windshield repairs.  Progressive has been great and has yet to charge my deductible.  Good luck.

Re: Used Coach Valuation and Insurance

Reply #23 –
Greetings
I did buy her for $2500 and installed $2500 tires for trip home to SW Florida from Palm Beach.
It ran nicely, stopped good, steering got better after about 100 but still seems a bit playful. I think it may need springs as well but not sure. The monitor is not functioning. The seller damaged rear camera wiring. Found location under dash where it was attached. Will reconnecting that wire allow monitor to function? I have no idea of air pressure for brakes or tank levels without a monitor.
 Also the brake switch is leaking. Not a lot but definitely leaking. I think it's compressor oil but not sure.
Where is the windshield washer motor located?
 Are there other 12v fuse locations ((Bed/dash)?
It there a map light on drivers side?
Air horn and spot inop
LP has detector off needs replacement
Levelers control panel appears in rough shape. Levelers inop.
Where to buy florescent bulbs especially 36"?
Recommendations for motor rewind rotor for generator
The engine is a strong DD 8.2 with 160,000 no leaks.  I initially hit the wrong numbers accidentally. I'm an ex military ground equipment mechanic so have some knowledge on system functions and can read wiring diagrams. As far a using a multi meter not so much. It's been four decades since my service days.
Im a bit overwhelming and excited at the same time.
Thanks for offering assistance. Hopefully I won't pester you with questions.
Toni

Re: Used Coach Valuation and Insurance

Reply #24 –
To answer some of your issues, the air pressure is shown on separate gauges not the monitor. You should not get oil out of an air line at the pressure switch. You will need a schematic to solve your electrical problems and I can't help you there as your coach is totally different than mine.

Re: Used Coach Valuation and Insurance

Reply #25 –
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.

Re: Used Coach Valuation and Insurance

Reply #26 –
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

Re: Used Coach Valuation and Insurance

Reply #27 –
 U300 has come through powering the house

Tell more about the setup....We are fairly remote and having the coach power our house would be awesome...

Thx

Hans

Re: Used Coach Valuation and Insurance

Reply #28 –
Quote from: Hans&Marjet –
U300 has come through powering the house
Tell more about the setup....We are fairly remote and having the coach power our house would be awesome...
Thx
Hans
Hans,

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.  ^.^d  ^.^d  ^.^d

Pierce

Re: Used Coach Valuation and Insurance

Reply #29 –
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.

Re: Used Coach Valuation and Insurance

Reply #30 –
Quote from: DayDreamer –
Ladies 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.

Re: Used Coach Valuation and Insurance

Reply #31 –
Quote from: DayDreamer –
Ladies 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?

Re: Used Coach Valuation and Insurance

Reply #32 –
Quote from: craneman –
So 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.

Re: Used Coach Valuation and Insurance

Reply #33 –
Quote from: DayDreamer –
... 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?

Re: Used Coach Valuation and Insurance

Reply #34 –
Quote from: cucotx –
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?

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.