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Old 01-04-2013, 04:20 PM   #1
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Insurance

I'm buying a 1996 Airstream and having troublel finding insurance. Prograssive is no help at all. Any suggestions as to companies and how to get them set insure the market value, which differs greatly from NADA.
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Old 01-04-2013, 04:41 PM   #2
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I'm buying a 1996 Airstream and having troublel finding insurance. Prograssive is no help at all. Any suggestions as to companies and how to get them set insure the market value, which differs greatly from NADA.
What you are looking for is an "agreed value" policy. Which can be whatever value you and your agent mutually decide, usually replacement value, i.e. what you paid for it, regardless of what NADA says it's worth. You can also get a rider that covers contents.

If you belong to Good Sam, several companies offer RV insurance with Good Sam discounts. My discount was every bit of 20% below the non-Good Sam rate. Since annual membership was only something like $24 per year, if memory serves, it was a bargain.

Progressive does offer "agreed value" policies, but you have to know to ask for one. They also offer the Good Sam discount.

My insurance is with GMAC. They also offer "agreed value" policies and Good Sam discounts.

You may also consider GEICO.

Stay away from Allstate. Their coverage for RVs and travel trailers is crap, which is why I no longer am insured by them.
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Old 01-04-2013, 04:42 PM   #3
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Welcome to the forums. You can give your local Allstate agent a call. They'll probably want to do a combined policy of all your vehicles, with a stated value policy for the Airstream.
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Old 01-04-2013, 06:13 PM   #4
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You may also consider GEICO.

Stay away from Allstate. Their coverage for RVs and travel trailers is crap, which is why I no longer am insured by them.
Since Geico says my trailer is worth $500, no matter how much I have invested in it, and Allstate will at least do me the courtesy of an agreed-value policy... GEICO does NOT do agreed-value policies. At least not in the several states I have lived in.
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Old 01-04-2013, 06:17 PM   #5
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Since Geico says my trailer is worth $500, no matter how much I have invested in it, and Allstate will at least do me the courtesy of an agreed-value policy... GEICO does NOT do agreed-value policies. At least not in the several states I have lived in.
That's the reverse of my experience at year ago. Here, Geico quoted me an agreed-value policy, though at a higher rate than Progressive or GMAC, but Allstate wouldn't quote an agreed-value policy at all. Guess it does vary from state to state.
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Old 01-04-2013, 06:19 PM   #6
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That's the reverse of my experience at year ago. Here, Geico quoted me an agreed-value policy, though at a higher rate than Progressive or GMAC, but Allstate wouldn't quote an agreed-value policy at all. Guess it does vary from state to state.
True. GEICO would issue an agreed value policy, but only if I had our Airstream permanently mounted somewhere. That's kind of the opposite of what a travel trailer should be. It can also be different because yours is a motor home.

If nothing else, this shows the OP he really has to do his homework.
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Old 01-04-2013, 07:00 PM   #7
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If nothing else, this shows the OP he really has to do his homework.
Agreed. The fact that we also had different experiences with Allstate is proof of that.
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Old 01-04-2013, 08:06 PM   #8
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I learned from old threads here of an insurance agency that advertises in the Vintage Airstream Club's journal, the Blue Beret. My '59 Tradewind has been greatly remodeled and it's value is a lot more than that of a generic '59 trailer in average shape. I wanted an agreed value policy, but my local insurance agent was unable to find a single company willing to write such a policy. Farm & City Insurance in Iowa (800-331-1520) offered agreed value policies with two insurance companies. Both required that I have the trailer professionally appraised to determine it's value.
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Old 01-04-2013, 08:17 PM   #9
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This would be a good way for members to pull together as a group. I combined it with my auto but I also know that it is a market value policy based on NADA. That is possible only to about 20 years old, if that. When I called Good Sams on insurance it was like $800 a year. I pay $292 but with NADA value modeling. If we could somehow get a group negotiation or something, that would be great. The quotes I got were all over the place.
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Old 01-04-2013, 08:48 PM   #10
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We have Geico for our cars but they couldn't insure our vintage trailer for more than $500 or some lame number. We got a 'stated policy' with Progressive for about $170 year. We paid $8500 for the TT and it's covered for $15k including contents (generator and such).
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