Reply
 
Thread Tools Search this Thread Display Modes
 
Old 06-04-2015, 09:24 PM   #1
Moderator
 
jcanavera's Avatar

 
2004 30' Classic Slideout
Fenton , Missouri
Join Date: Mar 2002
Posts: 9,002
Images: 143
Send a message via AIM to jcanavera Send a message via Skype™ to jcanavera
Pleasant Surprise with Progressive

I've insured with Progressive since I bought my Airstream back in the fall of 2003. There were 4 big reasons why I went with them.

First was the fact that my price included a road side policy that would tow the Airstream. It also covered towing both the Airstream and the tow vehicle if the tow vehicle was disabled (I carry AAA, and have a different insurance carrier for my tow vehicle).

Second was a disappearing deductable. Each year for the first 4 years with no claims, my copay deductible was reduced. Now it is 0.

Third was the fact that since I insured new with them, I had total replacement coverage if the Airstream was totaled in its first 5 years. After year 5, I would receive the price I paid for the Airstream if it was totaled. I thought that coverage ended after 10 years.

My surprise tonight was rechecking the policy on my renewal this year only to find that there is no time limit on the policy. As long as I own the Airstream and stay with Progressive, the trailer will always be covered for the original value that I paid for the trailer. Apparently I wasn't listening well enough when I spoke to the agent back in '03 and thought that after year 10, I'd be reverting to actual cash value.

Just to be sure I called tonight and rechecked and the policy will totally cover the trailer up to its original purchase price. I'm not sure if that policy is still being offered today, but if it is, it bears your consideration.

My fourth consideration was price and Progressive, when you look at the coverage was much less than other stand alone policies.

Jack
__________________

__________________
Jack Canavera
STL Mo.
AIR #56
'04 Classic 30' S.O.,'03 GMC Savana 2500,'14 Honda CTX 700
jcanavera is offline   Reply With Quote
Old 06-04-2015, 09:41 PM   #2
Rivet Master
 
rodsterinfl's Avatar

 
2006 25' Safari
Fort Myers , Florida
Join Date: Oct 2011
Posts: 2,432
Images: 8
That is good to know for owners of new AS, and important.
__________________

__________________
WBCCI 8653/AIR 60240
2017 Ford F-150 3.5 Ecobeast Gen 2 3.55 Platinum
rodsterinfl is offline   Reply With Quote
Old 06-04-2015, 09:59 PM   #3
Rivet Master
 
AWCHIEF's Avatar
 
2006 23' Safari SE
Biloxi , Mississippi
Join Date: Nov 2011
Posts: 8,138
Images: 33
How has Progressive been with yearly rate increases? I am coming up on my first year with them.
__________________
MICHAEL

Do you know what a learning experience is? A learning experience is one of those things that says "You know that thing that you just did? Don't do that."
AWCHIEF is offline   Reply With Quote
Old 06-05-2015, 06:01 AM   #4
Rivet Master
 
Tincampers's Avatar
 
2006 22' Interstate
Sneedville , Tennessee
Join Date: Feb 2014
Posts: 1,229
Mine renews next month, but we will be rewriting the policy in SD rather than AL. On my TV policy, the rate went from $456 to $290 for for identical coverage. I had also earned an 18% snapshot discount but now that we are in a new state, I will have to do the snapshot program again.

When I asked them about adding full-timers coverage the agent quoted me a price of $90 a year to the AL policy. I don't know what the SD rate will be but it should be much less than AL. Right now, we are paying $801 for full coverage on the AS.
__________________
Tincampers is offline   Reply With Quote
Old 06-05-2015, 06:22 AM   #5
Rivet Master
 
lsbrodsky's Avatar
 
2012 25' FB International
Trent Woods , North Carolina
Join Date: May 2013
Posts: 1,687
I am with Nationwide because the Progressive quotes are always 10% higher than Nationwide. I check once or twice a year.
Larry
__________________
lsbrodsky is offline   Reply With Quote
Old 06-05-2015, 08:11 AM   #6
Moderator
 
jcanavera's Avatar

 
2004 30' Classic Slideout
Fenton , Missouri
Join Date: Mar 2002
Posts: 9,002
Images: 143
Send a message via AIM to jcanavera Send a message via Skype™ to jcanavera
Quote:
Originally Posted by AWCHIEF View Post
How has Progressive been with yearly rate increases? I am coming up on my first year with them.

This coming year my rate is increasing $5 monthly. The total price increase over the past 5 years has totaled $11 monthly. I'm actually paying less than I was for years 1-5, but those years had replacement coverage no matter the cost of the new trailer. I pay more overall than a policy from my auto insurance company, but for all intents once you get to year 6 and beyond the policy is technically an agreed value policy with the total loss amount tied to the value of the trailer when it was new.

Jack
__________________
Jack Canavera
STL Mo.
AIR #56
'04 Classic 30' S.O.,'03 GMC Savana 2500,'14 Honda CTX 700
jcanavera is offline   Reply With Quote
Old 06-05-2015, 08:45 AM   #7
Rivet Master
 
AWCHIEF's Avatar
 
2006 23' Safari SE
Biloxi , Mississippi
Join Date: Nov 2011
Posts: 8,138
Images: 33
Thank you, I live in a state that for all practical purposes the insurance companies control the state insurance board and do what ever they want to do without fear. I fully expect my trailers rates to get jacked up an obscene amount. I should probably start shopping around for a new policy just in case. The first year usually seems to be a good rate just to get the business and then all bets are off.
__________________
MICHAEL

Do you know what a learning experience is? A learning experience is one of those things that says "You know that thing that you just did? Don't do that."
AWCHIEF is offline   Reply With Quote
Old 06-05-2015, 11:14 AM   #8
Rivet Master
 
Larry C's Avatar
 
1996 34' Excella
Elberta , Alabama
Join Date: Oct 2006
Posts: 745
Michael,
We're in Alabama, apparently the things you say about your state insurance commision is also true in Alabama. People say what they want about "the good old boys", but until they live in one of the southern states, they have no idea how the "good old boys" operate.
They do have a pretty simple method though, and that is, "If you pay the right people the right amount of money, you can do whatever you want".
Sad but true!

For whatever it's worth,
Larry


Quote:
Originally Posted by AWCHIEF View Post
Thank you, I live in a state that for all practical purposes the insurance companies control the state insurance board and do what ever they want to do without fear. I fully expect my trailers rates to get jacked up an obscene amount. I should probably start shopping around for a new policy just in case. The first year usually seems to be a good rate just to get the business and then all bets are off.
__________________
Old age is coming at a really bad time!

1996 34' Excella 1000, interior totally redone, 2003 Dodge/Cummins HO, U.S. Gear exhaust brake, Diablo tuner, 115 gallon aux fuel, Bedslide, Airsafe/Reese Dual Cam, and a bunch of other stuff
Larry C is offline   Reply With Quote
Old 06-05-2015, 11:18 AM   #9
4 Rivet Member
 
Plan-B's Avatar
 
2016 26' Flying Cloud
2016 25' Flying Cloud
1997 21' Excella
Watervliet , Michigan
Join Date: Apr 2015
Posts: 263
I am loyal only to one insurance company, USAA, which I have used on my older AS. But they don't have Full Replacement Cost Ins and with the cost of my 2016 so expensive I thought replacement is the way to go. I learned two things: read the fine print, many replacement cost carriers have the option to pick your replacement, even if it is not an AS, cheap trick. Second, apples to apples the cost for the same coverage varies a lot ( given you are comparing within the same State, and State to State obviously varies in cost big time). I am in Michigan, high cost, and pretty much for no reason (no hail, tornadoes, hurricanes etc. ). I compared all the replacement cost carriers in the U.S., that will guarantee a replacement brand to brand and model to model and options etc. I found Blue Sky by far the best value out there, rated A+ BBB. Their annual policy was 30% lower than Progressive, my second choice.
__________________
Plan-B is offline   Reply With Quote
Old 06-05-2015, 11:21 AM   #10
2 Rivet Member
 
2006 19' Safari
East Greenbush , New York
Join Date: Jul 2006
Posts: 47
I had the same experience as Jack. I've got the same coverage from Progressive.

Starting in year 6, the rates DO go down a bit, but the policy switches from replacement to agreed-upon value.

I asked for the MSRP on my 2006 Bambi 19', and Progressive accepted that.

Of course, Airstream prices have gone up almost 50% since 2006. But it would be a big down payment for a new one, should I need a new one (God forbid!).
__________________
heitkergm is offline   Reply With Quote
Old 06-05-2015, 11:26 AM   #11
Rivet Master
 
pappy19's Avatar
 
2002 30' Classic S/O
Garden Valley , Idaho
Join Date: Jul 2010
Posts: 1,418
Hard to beat USAA if you qualify to join.
__________________
2008 F-250 4X4 Lariat V-10
2002 Airstream Classic 30' w/SO #2074
2007 Kubota 900 RTV
1996 Ford Bronco
2007 Lincoln LT
pappy19 is offline   Reply With Quote
Old 06-05-2015, 11:26 AM   #12
Rivet Master
 
m.hony's Avatar
 
2013 30' Classic
Greenwood , Mississippi
Join Date: Oct 2012
Posts: 11,833
I have State Farm on my car, SUV, pickup, motorcycle, and camper, plus a life insurance policy. There is a multi-car discount, a multi-line discount, and a safe driving discount. On the SUV and motorcycle I only have liability and uninsured motorist. Even though the pickup is paid off, I still keep full coverage because the value is still quite high. Of course, the new car and Airstream have full coverage because I owe a note on them. I can't remember making a claim on any of these policies.
The house is with Nationwide. As far as I can tell, Nationwide is fair. We got a new roof recently. The Nationwide appraiser/adjuster gave almost an identical quote as the roofer. Neither guy had any communication with each other.
__________________
2013 Classic 30 Limited
2007 Silver Toyota Tundra Crew Max Limited 5.7 iForce
2006 Vivid Black Harley-Davidson Road King Classic
1999 Black Nissan Pathfinder LE
TAC #MS-10
WBCCI #1811, Region 6, Unit 56
Airforums #70955
m.hony is offline   Reply With Quote
Old 06-05-2015, 11:27 AM   #13
Rivet Master
 
m.hony's Avatar
 
2013 30' Classic
Greenwood , Mississippi
Join Date: Oct 2012
Posts: 11,833
I wonder what replacement cost insurance would cost. Original cost insurance would only be a down payment on a new trailer. The trailers are way more expensive now than they were then.
__________________
2013 Classic 30 Limited
2007 Silver Toyota Tundra Crew Max Limited 5.7 iForce
2006 Vivid Black Harley-Davidson Road King Classic
1999 Black Nissan Pathfinder LE
TAC #MS-10
WBCCI #1811, Region 6, Unit 56
Airforums #70955
m.hony is offline   Reply With Quote
Old 06-05-2015, 11:30 AM   #14
2 Rivet Member
 
2006 19' Safari
East Greenbush , New York
Join Date: Jul 2006
Posts: 47
I've only seen replacement price insurance offered on new trailers (within a few model years - like 5 with Progressive).

I would expect that the premiums might be quite high.
__________________

__________________
Matt

2006 Safari Bambi 19'
2017 Silverado LT Z71 Double Cab 1500
heitkergm is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Progressive Dynamics 4045 Converter soldiermedic Batteries, Univolts, Converters & Inverters 18 07-15-2011 07:10 AM
Pleasant Surprise with Dual A/C Units on 30 Amp Service panabax Furnaces, Heaters, Fireplaces & Air Conditioning 13 12-07-2010 05:53 AM
A Pleasant Surprise moosetags On The Road... 2 11-01-2007 10:08 PM
New Progressive Dynamics convertor, AGM battery, and Pendant questions wacnstac Batteries, Univolts, Converters & Inverters 16 05-09-2007 10:12 PM
EMS from Progressive Industries markjoandall Electrical - Systems, Generators, Batteries & Solar 0 08-02-2005 08:14 AM


Virginia Campgrounds

Reviews provided by




Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 02:44 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.

Airstream is a registered trademark of Airstream Inc. All rights reserved. Airstream trademark used under license to Social Knowledge LLC.