RV Insurance

[graysailor]

I became a South Dakota resident with drivers license. My address is an RV park which SD is aware of and they have no problems with it. No state income tax and 3-5% sales tax. Solved a lot of problems. The only requirement at the time is that I show a receipt showing that I spent 1 night in SD. I have saved a bundles on auto licensing and Auto/Airstream sales taxes. (compared to CA which is where I originated)

[BrianKrueger]

I researched the different companies and ended up going with Progressive. Total cost for the year with the more high-end liability coverages (250/500/100) and low deductibles ($250) was only $656. My policy with Liberty Mutual was $2,347/yr, so quite a savings. Thanks to all for their recommendations.

GEICO was very competitive as well, $670/yr., but not quite the same level of coverage as Progressive. In addition, Progressive let me do everything online, while GEICO had to respond via e-mail with a quote (I guess that maybe they are having a human look at it first). And yes, I do realize that RV insurance varies greatly from state to state, based on planned usage and the driver history (neither of us have had any accidents in the past 5 years).

I checked with Liberty Mutual and the RV will be covered under our $1M umbrella policy as long as the same coverages are being used (hence the more high end coverage).

Thanks to all for your feedback. I know it sounds like a commercial, but I just saved a whole bunch of money by switching...

[Dalwyn]

I am getting close to renewal time with State Farm and looking at changing for the Interstate in order to get replacement type. State Farm does not offer. Have sent in quotes for Progressive and GEICO. Does anyone have any experience with claims and how either one of these handle claims?

[jerhofer]

I have been with Progressive since 1998 and they have always been great to work with.


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[InterBlog]

Originally Posted by Protagonist

Scratching the itch of curiosity…

As a full-timer, what do you use as your domicile address for insurance, driver's license, taxation, and jury duty purposes? Some full-timers I know use a relative's address, others use Escapees.

Some workampers use Escapees Livingston Texas because of the lack of state income tax here. I met a workamper recently who did that... apparently if you are full-timer who hasn't otherwise established residency in Texas there may be a hoop or two to jump through. When I told him I had a full-timer policy even though I don't live in my rig full time, he said, "You are lucky that you already live in Texas" because of course I use my stick and brick address.

[dames7]

You should ck out National General Insurance.

[RICKBETTY]

TRY Tobin RV Insurance 1800-759-6321, been in business since 1975, they specialize in RV Insurance. Be cautious with the auto insurance companies..
Good Luck