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Old 10-08-2003, 06:36 AM   #1
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New Airstream Insurance

I just got a quote from Progressive Insurance for my new 25' International CCD. Although the unit has not been delivered, Progressive was able to provide me with a full quotation.

Please bear in mind that my driving record is perfect and I am a homeowner. If anyone could lend some insight to the quote and what they have found, I would appreciate it.

I should mention that my quote is based on the fact that if there is a complete loss, I would receive a total pay out of exactly what was spent on the unit when purchased new. This quote is NOT for the value of the unit at the time of accident.

Value Insured - $38,000
Comprehensive - $250 deductible with full glass
Collision - $250 deductible
Vacation Liability - $10,000
Personal Items - $5,000

The quote for 12 months was $1,217

This seems reasonable to me, but being that I have never shopped for RV insurance before, I don't know what would be considered a good price.

Is there any other insurance companies that you would reccomend I check out?
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Old 10-08-2003, 08:27 AM   #2
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Keep shopping.

AAA of Southern California quoted me $376 to insure a 2004 34' Classic. Quote was for $60K new .. but I'm paying less than that.

$500 Deductible ... I didn't check about the value or replacement figure if there is an accident. Probably value only ... but I will take my chances at that price.

For $23 they'll add a roadside RV service plan.
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Old 10-08-2003, 12:45 PM   #3
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Hi Joshua,

we just got the same AS, do not own a house and because of two accidents the driving record is far from perfect.

We insured it for $46,624 with the same conditions Progressive offered you but pay $1,155.50. Maybe you'd like to give our Insurance co. a call andd get a free estimate. They do that fairly quickly over the phone and cover all states.

"Ed Tobin Agency - RV Insurance Specialists"
Tel. 1 - 800 - 759 - 6321.
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Old 10-08-2003, 02:38 PM   #4
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Kimili,

Thanks so much for the information. I will absolutely give the "RV Insurance Specialists" a call and see what they come up with.

Thanks Again!
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Old 10-08-2003, 02:47 PM   #5
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Farmers Insurance charges us $267 a year; the trailer is a "rider" on the Expedition policy.... it seems to be ???? $500 deductible on property damage.....

I have no idea what they would pay for a "total" loss.
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Old 10-08-2003, 02:51 PM   #6
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Kistler careful with that.

Our car insurance offered us that possibility and the payment in case of total loss was "Blue book value"!! A good $20,000 below!

I would check into that, especially since your unit is still new.
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Old 10-08-2003, 02:51 PM   #7
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Kistler,

I was considering adding the trailer on as a "rider" but then was told privately by another forum member, that it could hurt having the trailer associated with the auto policy.

I guess, the thinking is that if something were to ever happen to the Airstream, you risk the chance of also having your auto insurance go up as well.

I think it's something that I need to look into and figure out which is the best way to go.

Thanks again for your help.
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Old 10-08-2003, 04:21 PM   #8
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We were able to get the 72 argosy covered under our auto policy with geico for a very nominal fee. They tacked it on the tow vehicle insurance. I'll ask Terry exactly what it was, but it only raised the payment about 10.00 per month. And they insured it for about 5,000.

Marie
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Old 10-08-2003, 06:20 PM   #9
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You are right....I had better check on this situation--blue book value...

It seems to me that my $49,500 trailer (actually 52,000 with tax and registration for year one) is worth about $25,000 right now.

I am not certain I could actually get that much for it. Maybe blue book value doesn't seem too bad.

It seems to me now--hind site is always better--that I could get a good used Airstream (90's) for about 25,000, right?
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Old 10-08-2003, 07:41 PM   #10
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You probably are right that the blue book is about $25,000 for an Airstream which is similarly equipped to yours, but the problem is that you have to find one for $25,000.

If you do a comprehensive search for Airtsream's for sale that were built in the last decade, they are not overly abundant. In addition, it would probably be hard to find one that has the exact features that you want.

I am one who would rather have a new unit and be able to have it for the future. Either way, you can't go wrong.
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Old 10-08-2003, 09:06 PM   #11
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I guess, the thinking is that if something were to ever happen to the Airstream, you risk the chance of also having your auto insurance go up as well.

Just so you know, a claim is a claim is a claim. My ins. company said Insurance companies will check for claims, and your trailer is considered a vehicle, so it would cause an effect on your auto insurance whether it was on your automobile policy or separate. We got our insurance through our auto insurance carrier, got an additional multi-vehicle discount, $500.00 deductible, $125,000 additional liability, theft, comp, collision, loss of use, yada yada...Insured the trailer for $5,000, premium is $26.33 for six months. They told me that a trailer that old would be "actual value" at time of accident, so save my reciepts for any work to improve the trailer. Also to take photos to document the condition of the trailer, both common sense pieces of advice.
They are also supposed to get beck with me about a "replacement value" policy, I will let you all know how that turns out.

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Old 10-08-2003, 09:29 PM   #12
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You might also check Foremost. My current policy on my Safari will replace the trailer if totaled for the first 5 years. The next 5 years after that its guaranteed reimbursement up to the original cost of the trailer.

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Old 10-08-2003, 10:17 PM   #13
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I have checked with Foremost and have gotten a very good rate with them. I also like the fact that they offer full replacement value over the first 5 years and then reimbursement for the next 5 years.

I am going to do a little more research and then make my final decision.

Thanks for all of your help.
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Old 10-09-2003, 09:48 AM   #14
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I've been meaning to call Foremost at some point.....

Josh, for comparison (similar driving record and a homeowner as well), State Farm charges me $400 and some change for 12 months for the Bambi which was $30k retail new of course payout is value at the time of loss....

I may call today if I am feeling better to see what Foremost and State Farm can do for me...

$1200 sounds very high....

Eric
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