Airstream Insurance - what's the story?

[me4us]

My wife and I are picking up our "new" 2007 27' Classic next week. I have tried several different companies for insurance and each one is quoting a wide variety of options and prices. Are there any basics I need to know to get the right policy at the right price?

I even went to SAM and they sent me to what turned out to be GMAC. I got a quote that seemed pretty good, then as I get ready to sign up they say, "oh it's an Airstream, we just quoted you on a trailer, Airstream units are more expensive". They don't mean the price as the quote was based on the same cost for the trailer vs the Airstream. What gives? Why is it OK to charge more for an AS? This seems sleazy at best. Why would either Airstream owners or the law allow AS to be charged a different rate for the same values? If they quoted differing prices based on my skin color or religion, that would be a major issue. Why is it then OK to charge us more because we are silver?

Anyone got any recommendations? I'll be back in touch with GMAC tomorrow as well as SAM. I hope they think this is the same level of issue that I do.

I have been told that there are many levels of AS insurance and I would like to be covered without allowing someone to just take the money from my pocket.

Anyone else with similar experiences? Maybe if we share our experiences we can find a few GOOD sources and we can all benefit.

Help.

ME4US
Bath, ME
2008 Toyota Tundra
Soon to be 2007 27' Classic

[bobkelly]

We insure the trailer on the same policy as our tow vehicle. When you make a claim, both vehicles are likely to be involved. Buy the coverage that you don't want to self insure. Typically, similar to the tow vehicle. We use AAA in So California and are completely satisfied. Consider stated value to remove issues with the relative cost to repair between wood/fiberglass and aluminum.

[2airishuman]

Originally Posted by me4us

... Maybe if we share our experiences we can find a few GOOD sources and we can all benefit...

hi me'

we have

check the 'insurance section' or make searching your friend...

here are a few threads with good stuff....

and provide some clues about the claims process and what should be IN the policy...

Insurance???

http://www.airforums.com/forums/f351...ner-39292.html

http://www.airforums.com/forums/f351...new-22335.html

Hail damage $$$ settlement recap

http://www.airforums.com/forums/f351...lue-25493.html

http://www.airforums.com/forums/f161...nce-31909.html

Agreed Value Ins ??

Good Sam Optional Replacement Cost Coverage

RATES vary by rv model/make, what u want covered, state guides AND a credit rating...

and deductible level, add ons like towing or full value replacement, disappearing deductibles and so on...

with a NEW expensive unit that will DEPRECIATE rapidly, 'full purchase price/new replacement' riders are nice for 2-4 years...

and add only slightly to price of policy.

cheers
2air'

[Toronto_Guy]

I just bought a new Airstream, and although I didn't shop the competition much (none came close to competing with AS for me anyway) the comparable new travel trailers I looked at were all half the price (or less) than my Airstream.

It would cost more to repair or replace an AS, so it makes sense to me that the rates would be higher.