Insurance???

[Steve Heywood]

I'm looking for a few insurance company recommendations. I just bought a 97 30' Excella and of course need to insure it. My "default" insurance co would probably be Progressive but I know there is cheaper insurance to be had with an equal level of customer service.

Thanks,

[overlander64]

Greetings Steve!

Originally Posted by Steve Heywood

I'm looking for a few insurance company recommendations. I just bought a 97 30' Excella and of course need to insure it. My "default" insurance co would probably be Progressive but I know there is cheaper insurance to be had with an equal level of customer service.

Thanks,

I don't know that the coverage would be any cheaper, but I have been extremely well pleased with the coverage that I have through Foremost. My initial insurer with my Overlander was American Family - - they provided excellent coverage, but when I had a claim for some minor skin damage there would have been major problems were it not for the intervention of the knowledgeable Airstream dealer who performed my repairs. I have not had any claims since switching to Foremost almost six years ago, but since they are obviously familiar with Airstreams I am more confident that there won't be as many questions about the appropriate repair methods.

Kevin

[sovereignrwe]

We also have Foremost, and are happy.

[Inland RV Center, In]

Steve Heywood.

Progressive is one of the best insurance companies in California.

Should your trailer become damaged, they are very easy to work with.

Foremost on the other hand, is OK, if you don't mind them depreciating sheetmetal!!!!! Say What????? How do you establich a life expectancy, on Airstream sheetmetal.

You can't, but they do it regardless.

At today's sheetmetal prices, you could wind up paying far more than just your deductable.

State Farm and AAA, also do a good job.

Andy

[driftwood]

Some insurance comments ...

http://www.airforums.com/forum...ad.php?t=15569

[Steve Heywood]

Originally Posted by Inland RV Center, In

Steve Haywood.

WHY IS IT SO DAMN HARD TO SPELL MY SIMPLE ENGLISH LAST NAME???

And yes, I meant to shout!

[2airishuman]

hi steve haewould....

once i realized foremost was part of the 'farmers familiy' i cooled on them....several not very good experiences with farmers over the last 30 years....early on with auto and later with home owners....i'll never buy farmers again. so then the bids came in and it was easy.....progressive was several hundred dollars less than farmers (i mean foremost) and over 1500$ less than good sams (which is really general motors, national general) for a new trailer...and the replacement cost option. i was hoping good sams would make it because my first airstream was with them and they were great.

looked over the policy and progressive has really tailored their rv insurance. looks like they have addressed all the issue rv'ers or full timers might have. the price for 1 year was half that of than anyone else.
i don't know how easy they are to deal with on claims and they were not competive on the t.v. so i'll stay with a.i.g. for my cars and trucks...they are really great on price and exceptional on claims service.

cheers
2air

[Steve Heywood]

Originally Posted by 2airishuman

hi steve haewould....

Seems that the first smart ass doesn't stand a chance around here!

[davidz71]

Stick around and you'll really enjoy the forum. Many have a really good sense of humor.

[Jim & Susan]

Hey, Wood.

Rocklin, hummm, is that anywhere near Haywood, Ca.? But seriously. You’ll find that most folks here are a real good bunch. They can at times be vicious, cruel, kool, kind, obedient, cheerful, thrifty, brave, clean & reverent. Wait until Norby (the former priest or nun or playboy photographer, or something) gets ’hold of you. This guy is a real scream. If you want a challenge in proper English language spelling/grammar/vernacular usage, go read some of Canny Banjo Man’s posts. He is a Brit that posts from time to time and spells like he speaks. It can give you a headache trying to decipher some of the words, but this dude is hilarious.

If you want information, you’ve come the right place. If want entertainment, you’re there. If you want (or need) to be insulted, fasten your seatbelt.

As to the insurance question…We use USAA, but that’s a different story. We’ve only had our ’Stream since October.



Good luck, and keep your *&$%^ head down.

Jim

[Over59]

Steve

Meybe you heve been spelling it wrong.

[Silvertwinkie]

I've been very happy with State Farm. Got all vehicles and real estate with them. Rates are very good for the cars, tolerable with the real estate and Airstream. Claims for the real estate and cars have always been top notch in terms of service and quality of work done.

I have yet (thankfully) had to make a claim for the Safari. I am somewhat uncomfortable with the thought of an RV claim since unlike autos, State Farm seems to treat the RV as a raw number. It appears to me that they (State Farm) have very little understanding or exp with RVs in general. I could be wrong. I would welcome any insurance company (quality one) that could get it to me for less than the $400/year I am currently paying or the Safari. I've called a number of places about a year ago and $400 seems like some magic number once I tell them what I paid for the Safari....

[sovereignrwe]

Originally Posted by Jim & Susan

They can at times be vicious, cruel, kool, kind, obedient, cheerful, thrifty, brave, clean & reverent.

Jim has spent too much time as a scout master...or maybe even as a scout.

Does $1,000.00 every 6mo. sound right to insure a 2006 34' Airstream?

[Inland RV Center, In]

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

[driftwood]

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'.

[Tinsel Loaf]

AAA did a good job on our claim. In fact a great job. I don’t 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.

[jcanavera]

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

[2airishuman]

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'

[Silvertwinkie]

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).