Truck and RV insurance

Joezilla · 10-05-2015, 08:15 PM

We currently have National General Insurance (which used to be GMAC) for our current truck, car, and Select Suite. It keeps going up every year even though we make zero claims.

With the new 2016 DRV 43' Atlanta coming in next month, we are thinking of checking out other vendors. Who do you use? Name & number of a contact?

Thanks,
Joe

Daveht · 10-05-2015, 08:23 PM

I use the same GS company as you. Got a quote today two cars and coach just a little under 2,000.

KNMIB · 10-06-2015, 12:16 AM

Check and make sure contents are covered with your insurance. I was told by my agent the contents are covered under my home owners.

rynosback · 10-20-2015, 03:38 AM

Shop them with Blue Sky Insurance. I had Progressve and switched. I got more coverage for less money. Let me know if you want to contact that I spoke with.

groswald · 10-20-2015, 01:28 PM

We've had great service from Nationwide on our Thor Axis. We were vandalized 3 months after we bought the rig. Two TVs and miscellaneous other stuff stolen along with some significant damage. All was paid quickly, and they were happy to make "alternate" arrangements for payment.

I got a quote from CW, then made a counter-offer to Nationwide. I would do the work for $800 less than CW - which I would split with Nationwide if they'd waive the deductible. They were happy to do it, I was able to do the repairs (bettter quality than CW), upgrade the TV's significantly (cheaper than CW), all with no money out of pocket.

Regards,

Randy

petef · 10-20-2015, 05:15 PM

AARP /Hartford by far cheapest quote I got

missourijan · 10-20-2015, 06:05 PM

National Interstate or Blue Sky

Joezilla · 10-20-2015, 08:19 PM

Interesting stuff. Debbie has been on the phone to Marlene at Miller Insurance Agency in Oregon. It seems that the best policy is with the company we have now (National General), and it seems that with the same coverages we have now, it will be cheaper AND we will be able to pay for an entire year instead of every 6 months.

We've been with NG for years. I just wonder why they didn't give us the better rate automatically?

Joe

FW28z · 10-20-2015, 11:22 PM

USAA.

However, they subcontract their RV insurance to Progressive. Still, its about 20% cheaper than going through Progressive directly.

talltexan · 11-04-2015, 02:23 AM

After the accident we had this summer, we no longer judge insurance solely by the amount of the premium. Our trailer was T boned by a young lady who was texting and though she had insurance, her liability limits were insufficient to cover replacing our trailer. We are covered (truck and trailer) by Blue Sky. We are glad we chose replacement coverage because our trailer was totaled. We pay about $2500 a year in premiums.

KNMIB · 11-04-2015, 03:27 PM

I agree with Talltexan. The price of insurance is one thing but the coverage is everything. As stated in other posts we lost everything due to a tornado house, 2 cars, boat and everything we owned. Fortunately our insurance came through big time.

rynosback · 11-05-2015, 06:07 AM

Quote:

Originally Posted by Joezilla

Interesting stuff. Debbie has been on the phone to Marlene at Miller Insurance Agency in Oregon. It seems that the best policy is with the company we have now (National General), and it seems that with the same coverages we have now, it will be cheaper AND we will be able to pay for an entire year instead of every 6 months.

We've been with NG for years. I just wonder why they didn't give us the better rate automatically?

Joe

They never do. I try to shop my rates every year or two.

rynosback · 11-05-2015, 06:10 AM

Quote:

Originally Posted by FW28z

USAA.

However, they subcontract their RV insurance to Progressive. Still, its about 20% cheaper than going through Progressive directly.

Did you know that Progressive will also give you a discount if you give them your usaa member number? I had USAA for 20 years and switched as I received better coverage for 20% less. I shopped them years latter and the cost had doubled...

talltexan · 11-05-2015, 02:00 PM

Annually, we use an insurance broker who "shops" all insurance companies who will write fulltimers coverage (that provide coverage in all states and provinces). We had National Interstate for 7 years and switched to Blue Sky the last 3 years. Again, I will suggest, please do not judge insurance by premium costs alone. The most important aspect of insurance is how their adjusters treat you after a loss. And, by all means, make sure whichever company you choose, to purchase replacement coverage on both your truck and trailer.

SrFox · 11-05-2015, 03:13 PM

We use Allstate and so far so good.

rynosback · 11-07-2015, 01:07 AM

Quote:

Originally Posted by talltexan

Annually, we use an insurance broker who "shops" all insurance companies who will write fulltimers coverage (that provide coverage in all states and provinces). We had National Interstate for 7 years and switched to Blue Sky the last 3 years. Again, I will suggest, please do not judge insurance by premium costs alone. The most important aspect of insurance is how their adjusters treat you after a loss. And, by all means, make sure whichever company you choose, to purchase replacement coverage on both your truck and trailer.

I agree completely. They seemed to offer coverages that others did not. That was also a big reason as to why I went with them.

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