Reply
 
Thread Tools Search this Thread Display Modes
 
Old 05-31-2005, 05:24 PM   #15
Rivet Master
Airstream Dealer
 
Inland RV Center, In's Avatar
 
Corona , California
Join Date: Feb 2002
Posts: 16,499
Images: 1
Craftsman.

$2000.00 for $80,000.00 coverage is a bit high.

$1600.00 to $1700.00, is more in line.

Unless you are insuring it for more than the $80,000.00.

Ball park costs should be between $2.05 and $2.20 per $100.00 of coverage.

Andy
__________________

Inland RV Center, In is offline   Reply With Quote
Old 05-31-2005, 06:09 PM   #16
Remember Burma Shave!
 
driftwood's Avatar
 
2006 19' Safari
2000 25' Safari
1985 25' Sovereign
Fort Myers , SW.Florida
Join Date: Sep 2003
Posts: 510
Images: 35
Insurance & costs & coverages ...

Craftsman,

Needless to say, without knowing what the company is quoting on it is impossible to determine if the premimum is excessive.

What is the insured property value your asking for? (policy limits)
Is it an agreed value policy?
Does the agreed value stay the same for at least three years? (assuming a new unit) or do they offer FULL replacement cost for three years in case of a total?
Are you requesting Comprehensive & Collision coverage?
What deductible are you requesting for each? Do they disappear?
Are you requesting a full timers policy?
What level of personal liability coverage are you requesting? 300K, 500K, 1mil?
What are the medical payments offered?
Storage shed content coverage?
How much personal effects coverage are you requesting?
What is the deductible?
Requesting roadside assistance coverage?

Do you have ANY insurance claims for anything in the last 3 to 5 years? These will show up on what they call a CLUE report. They will look into past DMV violations for 3 years. They will look into your financial information/credit report also.

These factors and the residing zip code where the unit is housed will have an impact on your premimum.

Are you going through an agent?

If you wish, you could call Progressive directly and solicit a quote from them. 1-800-776-4737. If you do this you should insure that you are comparing 'apples-to-apples'.
__________________

__________________
NORM #3305

"... there is nothing you can't fix yourself ...
... if you're handy ...
... with a check book! ..."
driftwood is offline   Reply With Quote
Old 05-31-2005, 07:15 PM   #17
Rivet Master
 
Tinsel Loaf's Avatar
 
Join Date: Jan 2003
Posts: 790
AAA did a good job on our claim. In fact a great job. I donít think they knew how expensive Airstreams were to repair. They do now!! (This is not an endorsement ) After the claim, the premium went up about 44%. We do not have AAA insurance anymore.
Tinsel Loaf is offline   Reply With Quote
Old 05-31-2005, 09:18 PM   #18
Moderator
 
jcanavera's Avatar

 
2004 30' Classic Slideout
Fenton , Missouri
Join Date: Mar 2002
Posts: 9,048
Images: 143
Send a message via AIM to jcanavera Send a message via Skype™ to jcanavera
I have Progressive

Quote:
Originally Posted by Craftsman
Does $1,000.00 every 6mo. sound right to insure a 2006 34' Airstream?
Don't know how where you live affects the price. I'm paying about $75 monthly for 70K's worth on the Classic. That's for the replacement value policy that would replace the trailer with a duplicate within the first 5 years if its totaled. Also has a disappearing deductible that lowers out of pocket to 0 if I have no claims in the first 4 years (I think it's 4). Also this includes the roadside assistance center which covers the trailer and tow vehicle. They dispatch and will tow both the tow vehicle and trailer if the tow vehicle is disabled. I found that a quote through their 800 number gave me a better price than with a local Progressive agent.

I also checked with Good Sam and they wanted $2,400 annually. Foremost was almost $2,000.

Jack
__________________
Jack Canavera
STL Mo.
AIR #56
'04 Classic 30' S.O.,'03 GMC Savana 2500,'14 Honda CTX 700
jcanavera is offline   Reply With Quote
Old 05-31-2005, 11:44 PM   #19
_
 
. , .
Join Date: Dec 2004
Posts: 8,812
hi craftsman and others

as already noted lots of variables for an individual policy, coverage levels, location, claims history and fica score, and so on determine rates.

i purchased progressive for the 05 classic limited 34 with basically the same policy features mentioned in jack's post. replacement, towing, disappearing deductible, yada yada yada. my deductible is 500/1000.

1 year ===1025$ from local progressive agent.


300$ more from online progressive quote,
2000-2800$ from farmers/foremost, good sam and
others who were laughably too high.

no other policies with progressive because aig does house, cars and truck and they weren't close price wise for any of these things but hit the trailer on the nose.

ymmv
cheers
2air'
2airishuman is offline   Reply With Quote
Old 06-01-2005, 07:23 AM   #20
Aluminut
 
Silvertwinkie's Avatar
 
2004 25' Safari
. , Illinois
Join Date: Feb 2003
Posts: 10,347
Wow and I though $45k (retail) worth of Safari @ $400/yr was expensive....I should just sit back and close my yap (er stop typing).
__________________
Computers manufactured by companies such as IBM, Compaq and millions of others are by far the most popular with about 70 million machines in use worldwide. Macintosh fans note that cockroaches are far more numerous than humans and that numbers alone do not denote a higher life form. -NY Times 11/91
Silvertwinkie is offline   Reply With Quote
Old 06-01-2005, 08:47 AM   #21
Rivet Master
 
2006 30' Classic
Farmington , New Mexico
Join Date: Feb 2005
Posts: 822
Images: 14
[QUOTE=Craftsman]Does $1,000.00 every 6mo. sound right to insure a 2006 34' Airstream?[/QUOT

Another option not mentioned is what we went with. That being going with a high deductable. Our 25' classic cost $350. annually. That is with $5000. dectuable. While I'm not "made of money" my biggest concern is a major accident or total loss. Having done this with all our auto and rv's over the years we are now far enough ahead that $5000 is small in comparison to what we would have paid out for low or no dectable. Just a thought---Pieman
Mike Lewis is offline   Reply With Quote
Old 06-01-2005, 08:54 AM   #22
Aluminut
 
Silvertwinkie's Avatar
 
2004 25' Safari
. , Illinois
Join Date: Feb 2003
Posts: 10,347
[QUOTE=Mike Lewis]
Quote:
Originally Posted by Craftsman
Does $1,000.00 every 6mo. sound right to insure a 2006 34' Airstream?[/QUOT

Another option not mentioned is what we went with. That being going with a high deductable. Our 25' classic cost $350. annually. That is with $5000. dectuable. While I'm not "made of money" my biggest concern is a major accident or total loss. Having done this with all our auto and rv's over the years we are now far enough ahead that $5000 is small in comparison to what we would have paid out for low or no dectable. Just a thought---Pieman

Thats totally unreal. Not sure what a 25' Classic goes for, but I have a $500 deduct and also thought the price was high given that deduct.

We really are Airstream Millionares.
__________________
Computers manufactured by companies such as IBM, Compaq and millions of others are by far the most popular with about 70 million machines in use worldwide. Macintosh fans note that cockroaches are far more numerous than humans and that numbers alone do not denote a higher life form. -NY Times 11/91
Silvertwinkie is offline   Reply With Quote
Old 06-01-2005, 02:39 PM   #23
_
 
. , .
Join Date: Dec 2004
Posts: 8,812
hi mike and others


agree the high deduct is the best way to save on premium and share the risk with the insurance co. the rates don't go down linearly with the deductable so it's helpful to make a graph of rates vs deduct and note the best price/breaks and match those to your savings, or what the owner can afford to cover.

however......if some part of the trailer is financed (an 05/06 34 ltd will cost >68k$) then there may be limits imposed by the finance company. many banks will specifiy a 500-1000$ max deduct......to "limit" their exposure.

lots of variables, yes?

cheers
2air'
__________________

2airishuman is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
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


Similar Threads
Thread Thread Starter Forum Replies Last Post
Vintage Trailer Insurance Stougard Insurance & Claims 65 03-18-2018 07:12 PM
Insurance for 1984 31ft Excella dscluchfc Insurance & Claims 10 01-03-2005 10:55 AM
Insurance dmac Our Community 14 12-17-2002 09:05 PM
Does any insurance pay for towing a tt? Kistler Our Community 9 11-28-2002 08:11 PM
Insurance Question Edie Insurance & Claims 5 04-07-2002 03:10 PM


Featured Campgrounds

Reviews provided by




Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 02:02 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.

Airstream is a registered trademark of Airstream Inc. All rights reserved. Airstream trademark used under license to Social Knowledge LLC.