Go Back   Thor Forums > Thor Community Forums > Thor Owners Community Discussions
Click Here to Login
Reply
 
Thread Tools Display Modes
 
Old 09-25-2017, 03:23 PM   #1
Senior Member
 
Brand: Thor Motor Coach
Model: challenger 37YT
State: Michigan
Posts: 162
Insurance

I have a 2017 Challenger and I have Auto Owners insurance.
I have 2 homes and 5 autos on this policy not counting the MH.
Excellent credit, no tickets....$1785. A yr. for my coach alone
why do I feel I'm getting hosed ?
Any of you have a company that you consider reasonably priced and a good company ?
__________________

rick kirby is offline   Reply With Quote
Old 09-25-2017, 03:32 PM   #2
Member
 
BrianA.C.E's Avatar
 
Brand: Thor Motor Coach
Model: A.C.E 30.2
State: Florida
Posts: 59
sounds very high, I pay 630 a year with Progressive saying a only drive it 5000 miles a year and do not live in it full time.
__________________

__________________
Brian and Lora
1 Giant, 1 Mini Schnauzer
2014 Thor A.C.E 30.2
JEEP JKU
BrianA.C.E is offline   Reply With Quote
Old 09-25-2017, 03:44 PM   #3
Member
 
Homer3's Avatar
 
Brand: Thor Motor Coach
Model: Freedom Elite 28H
State: California
Posts: 44
Insurance

We were with Progressive for 15 years with our previous motorhome and then signed up with Camping World's Good Sam insurance when we purchased the Freedom Elite. The premium went up after the first year and the second year they wanted to charge me $55 for changing my mailing address when it did not have any effect at all on "garaging" or any matter related to the policy - just wanted our insurance related mail sent to a post office box and they were insistent about charging us.

We went back to Progressive for our motorhome policy - it is reasonable and they don't charge extra for silly stuff.
Homer3 is offline   Reply With Quote
Old 09-25-2017, 03:47 PM   #4
Member
 
BrianA.C.E's Avatar
 
Brand: Thor Motor Coach
Model: A.C.E 30.2
State: Florida
Posts: 59
I also have road side assistance added with progressive and i must say it came in very handy and easy. had to be towed off I-10 and progressive took care of everything.
__________________
Brian and Lora
1 Giant, 1 Mini Schnauzer
2014 Thor A.C.E 30.2
JEEP JKU
BrianA.C.E is offline   Reply With Quote
Old 09-25-2017, 03:57 PM   #5
Member
 
Homer3's Avatar
 
Brand: Thor Motor Coach
Model: Freedom Elite 28H
State: California
Posts: 44
Insurance

I agree - roadside assistance is a must even for the folks (like Mr. Homer) that are very handy in the garage. A large and heavy vehicle needs expert equipment for safety purposes. Changing a tire on a dually after a blow out is not an experience any of us needs or wants!
Homer3 is offline   Reply With Quote
Old 09-25-2017, 04:17 PM   #6
Senior Member
 
Bob Denman's Avatar
 
Brand: Thor Motor Coach
Model: Outlaw 29H
State: New York
Posts: 815
Insurance companies will use their pricing, to encourage the business that they want, and discourage those that they don't...
I've got my house, car, motorcycle, motorhome, and umbrella with Safeco.
They're not the cheapest; but they've always handled claims in a reasonably fair manner.
(And THAT'S what really matters!!!! )
Call your agent, and have your book of business shopped around a bit: good luck!

39 years in the business of selling insurance...
__________________
Good Sam Member 843599689
FMCA Member 473304
Bob Denman is offline   Reply With Quote
Old 09-25-2017, 04:39 PM   #7
gmc
Senior Member
 
gmc's Avatar
 
Brand: Thor Motor Coach
Model: Hurricane 32A
State: Florida
Posts: 1,141
Quote:
Originally Posted by rick kirby View Post
I have a 2017 Challenger and I have Auto Owners insurance.
I have 2 homes and 5 autos on this policy not counting the MH.
Excellent credit, no tickets....$1785. A yr. for my coach alone
why do I feel I'm getting hosed ?
Any of you have a company that you consider reasonably priced and a good company ?
Hard to compare across state lines... but I lived in Michigan for 20 years.
Michigan - being a 'no fault' state, and large claim award history will be more expensive than many others (but not all... Florida still wins for higher rates...)

You do need to shop around - I had everything with one company before I bought the MH... By their own admission it wasn't a specialty of theirs - and showed in their pricing - so I have always had a different policy for that.

You are a bit higher than I was in Michigan - but your coach is 3 years newer and priced higher than my Hurricane... Assuming you are carrying prudent liability and collision limits - it gets expensive.
I wouldn't want to see your registration charge...

My insurance is currently spread across too many companies - will take me a while to consolidate again... but the move to Florida really made things interesting. Finding one that will insure the house, cars, RV, and umbrella - at ANY price was a challenge. (was always at least one item they wouldn't even write a policy for.) Then comparing terms needed a scorecard... often the quote for lower premium didn't cover - or limited coverage in other area - or wouldn't provide replacement coverage - etc...

Almost time for me to start looking again...
__________________
Greg
Not yet retired...
Florida (Michigan transplant)
2014 Hurricane 32A
2000 Infinity (previous)
gmc is online now   Reply With Quote
Old 09-25-2017, 04:50 PM   #8
Senior Member
 
Dbadger777's Avatar
 
Brand: Thor Motor Coach
Model: Axis 25.2
State: Michigan
Posts: 122
Quote:
Originally Posted by Bob Denman View Post
Insurance companies will use their pricing, to encourage the business that they want, and discourage those that they don't...
I've got my house, car, motorcycle, motorhome, and umbrella with Safeco.
They're not the cheapest; but they've always handled claims in a reasonably fair manner.
(And THAT'S what really matters!!!! )
Call your agent, and have your book of business shopped around a bit: good luck!

39 years in the business of selling insurance...
39 years of selling insurance! Is that where you got your great sense of humor?
I did notice that "rick" lives in Mich. I was surprised to see that Florida has hi rates. I should shop around, but; my agent stuck with me through the years, putting 5 teenagers on the road.
Dbadger777 is offline   Reply With Quote
Old 09-25-2017, 05:02 PM   #9
Senior Member
 
Brand: Thor Motor Coach
Model: challenger 37YT
State: Michigan
Posts: 162
I just checked good sams...$1673. !!

Good god I'm 63 yrs old with no tickets , no accidents and an excellent credit score.

These guys are nuts.
rick kirby is offline   Reply With Quote
Old 09-25-2017, 05:02 PM   #10
Senior Member
 
Bob Denman's Avatar
 
Brand: Thor Motor Coach
Model: Outlaw 29H
State: New York
Posts: 815
I've got all of the scars to prove it...
But the most FUN part? The Missus has worked here with me for 30 of those years!
(If you see me in the front yard: run over me! It'd be a mercy killing!)
__________________
Good Sam Member 843599689
FMCA Member 473304
Bob Denman is offline   Reply With Quote
Old 09-25-2017, 05:32 PM   #11
Senior Member
 
Bob Denman's Avatar
 
Brand: Thor Motor Coach
Model: Outlaw 29H
State: New York
Posts: 815
Quote:
Originally Posted by rick kirby View Post
I just checked good sams...$1673. !!

Good god I'm 63 yrs old with no tickets , no accidents and an excellent credit score.

These guys are nuts.
What ius the insured value of your rig?
Is it insured for actual cash value; or are you insuring it under an agreed value policy?
How about your liability and physical damage limits and deductibles?? Do you have any room there for making changes?
__________________
Good Sam Member 843599689
FMCA Member 473304
Bob Denman is offline   Reply With Quote
Old 09-25-2017, 05:33 PM   #12
gmc
Senior Member
 
gmc's Avatar
 
Brand: Thor Motor Coach
Model: Hurricane 32A
State: Florida
Posts: 1,141
Quote:
Originally Posted by Dbadger777 View Post
3...
I did notice that "rick" lives in Mich. I was surprised to see that Florida has hi rates. I should shop around, but; my agent stuck with me through the years, putting 5 teenagers on the road.
I'll need to pull out the bills and compare - homeowners went up the most with the move... but as another 'no fault' state - and with a large number of uninsured/underinsured drivers on the road, not a cheap one either...

I don't skimp on liability limits - something helping me right now after being rear-ended by an underinsured driver this summer.. my policy is picking up with its UI coverage when the at fault drivers minimal coverage policy is exhausted...
__________________
Greg
Not yet retired...
Florida (Michigan transplant)
2014 Hurricane 32A
2000 Infinity (previous)
gmc is online now   Reply With Quote
Old 09-25-2017, 05:36 PM   #13
Senior Member
 
Brand: Thor Motor Coach
Model: challenger 37YT
State: Michigan
Posts: 162
Quote:
Originally Posted by Bob Denman View Post
What ius the insured value of your rig?
Is it insured for actual cash value; or are you insuring it under an agreed value policy?
How about your liability and physical damage limits and deductibles?? Do you have any room there for making changes?

value is about 130 grand. insured for that amount.
500 grand liability $1000 deductible.
jockeyed numbers around and still crazy high,

and i have multiple homes and vehicles with an umbrella policy.
rick kirby is offline   Reply With Quote
Old 09-25-2017, 05:51 PM   #14
Senior Member
 
Brand: Thor Motor Coach
State: Florida
Posts: 598
Quote:
Originally Posted by rick kirby View Post
value is about 130 grand. insured for that amount.
500 grand liability $1000 deductible.
jockeyed numbers around and still crazy high,

and i have multiple homes and vehicles with an umbrella policy.
Try Farm and City Ins. in Forest City, IA and do RV's a lot since they are close to the mfg.
800-331-1520
They are with Nationwide.

Mine is $768 this year, but they pay full replacement on coach. i.e. if mine was totaled, they would buy me a 2018. This is something they did this year as premium was increased over last year.
__________________
MR 2015 Thor Vegas 24.1 in Ocala
mcr1010 is offline   Reply With Quote
Old 09-25-2017, 05:53 PM   #15
Senior Member
 
Brand: Thor Motor Coach
Model: challenger 37YT
State: Michigan
Posts: 162
Quote:
Originally Posted by mcr1010 View Post
Try Farm and City Ins. in Forest City, IA and do RV's a lot since they are close to the mfg.
800-331-1520
They are with Nationwide.

Mine is $768 this year, but they pay full replacement on coach. i.e. if mine was totaled, they would buy me a 2018. This is something they did this year as premium was increased over last year.

thank you, will call
rick kirby is offline   Reply With Quote
Old 09-25-2017, 06:02 PM   #16
Senior Member
 
Bob Denman's Avatar
 
Brand: Thor Motor Coach
Model: Outlaw 29H
State: New York
Posts: 815
Rick,
Is your motorhome covered under your auto policy; or under a separate motorhome policy?
The rates for the latter are usually a significant amount less!
(In my case: it was over a 65% savings...)
__________________
Good Sam Member 843599689
FMCA Member 473304
Bob Denman is offline   Reply With Quote
Old 09-25-2017, 06:53 PM   #17
Senior Member
 
Brand: Thor Motor Coach
Model: '16 Axis 24.1
State: California
Posts: 555
RV Coverage

Paying just over $1200 a year with GEICO auto insurance. I have roadside RV coverage with my AAA account. We pay more for everything in CA.
axis earl is offline   Reply With Quote
Old 09-25-2017, 06:58 PM   #18
Senior Member
 
Bob Denman's Avatar
 
Brand: Thor Motor Coach
Model: Outlaw 29H
State: New York
Posts: 815
Do you have coverage for RVs (and motorcycles) on your AAA policy?
A lot of Spyder riders got burned: they had to add coverage for RVs; to make sure that they were covered...
__________________
Good Sam Member 843599689
FMCA Member 473304
Bob Denman is offline   Reply With Quote
Old 09-25-2017, 07:13 PM   #19
Senior Member
 
Brand: Thor Motor Coach
Model: challenger 37YT
State: Michigan
Posts: 162
Quote:
Originally Posted by Bob Denman View Post
Rick,
Is your motorhome covered under your auto policy; or under a separate motorhome policy?
The rates for the latter are usually a significant amount less!
(In my case: it was over a 65% savings...)
RV is on my auto policy with 5 other vehicles and 2 homes.

called my agent, she will try it on it's own policy and see what happens.
rick kirby is offline   Reply With Quote
Old 09-25-2017, 07:14 PM   #20
Senior Member
 
schreinertms's Avatar
 
Brand: Thor Motor Coach
Model: Challenger 37TB
State: Pennsylvania
Posts: 293
2015 Challenger 37TB, $741 a year with National General (Good Sam), replacement cost and diminishing deductibles. comp ded $500 and collision ded $1000.
__________________

__________________
Tom and Lisa
Pennsylvania
2015 Challenger 37TB
2013 Cadillac XTS toad
schreinertms is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Virginia Campgrounds

Reviews provided by



ThorForums.com is not in any way associated with Thor Industries or its associated RV manufacturing divisions.


All times are GMT. The time now is 07:07 PM.


Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Content Relevant URLs by vBSEO 3.6.0 PL2