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Old 06-15-2011, 09:29 AM   #1
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Who do you guys use for insurance?

We bought a one year insurance policy on the full price of the Airstream last month before we ever left the dealer with it.

I bought Allstate because it was handy. I gave up even trying to get a quote online from Geico, so really didn't shop around much. I had a lot of other stuff going on, and just wanted it insured before I hitched up a rented truck and pulled it away for the first time.

I am betting you other, experienced Airstreamers have sorted out which insurance company is best for insuring the trailer. I am not interested in insuring contents that are not part of the trailer.
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Old 06-15-2011, 09:32 AM   #2
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We bought a one year insurance policy on the full price of the Airstream last month before we ever left the dealer with it.

I bought Allstate because it was handy. I gave up even trying to get a quote online from Geico, so really didn't shop around much. I had a lot of other stuff going on, and just wanted it insured before I hitched up a rented truck and pulled it away for the first time.

I am betting you other, experienced Airstreamers have sorted out which insurance company is best for insuring the trailer. I am not interested in insuring contents that are not part of the trailer.
I had State Farm until they were going to drop me after two accidents. I now have Progressive.
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Old 06-15-2011, 09:35 AM   #3
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We had state farm, as they carry all our other policies, but they wouldn't carry us as full timers. Now State Farm still has all the other and foremost does our trailer and contents.
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Old 06-15-2011, 09:45 AM   #4
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We use Allstate, full coverage. Had a mishap with a low branch and they paid up and did not raise the rate.
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Old 06-15-2011, 09:49 AM   #5
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Progressive
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Old 06-15-2011, 10:28 AM   #6
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We use our Vehicle/Homeowners Insurer. ITs a Michigan based COMPANY thats been in business for a 100 yrs. We get a better rate because of a MUTIPLE Vehicle DISCOUNT.
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Old 06-15-2011, 02:05 PM   #7
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I used Geico for 12 years for my home, 4 autos, 2 motorcycles and a 2002 ASCL 31'. I get an 8% discount because I am a BRK.B shareholder. That being said the ASCL is grand father'd into an "old contract" for which I pay every 6 months $59.40 ($100 deductable) for Comprehensive + $139.00 ($250 deductable) for Collision.

I just called Geico today and found out that the "new contract", which includes emergency towing (the reason for my query) and some other bells & whistles would cost me $595.40 (with a $500 each deductable) every 6 months, or 3 times as much if I was going to insure it today. I decided to stay with the "old contract" as I figure that if my X5 breaks down (it has emergency towing) I can probably have the ASCL towed for less than the $800 annual difference if need be just to get it off the side of the road.
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Old 06-15-2011, 02:10 PM   #8
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I have Allstate for home and vehicles. When I bought the trailer I continued coverage with them. Did some shopping around last year and found my trailer was better off with Progressive...cheaper and better coverage, so I switched to them for the trailer. I still can't beat Allstate for the home and vehicles though.
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Old 06-15-2011, 03:59 PM   #9
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USAA sent us to Progressive.
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Old 06-15-2011, 05:09 PM   #10
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Interesting. I have just been in a series of email exchanges with Allstate today. they told me they wanted another $ 90, because the actual insured price of the trailer was the full amount I paid, including sales taxes, licensing, etc. They also mentioned that I had no content coverage.

I wrote back that I assumed they covered contents that were part of the total price of the trailer , since they were using that number PLUS tax and title etc. to figure their premium.

They wrote me back that all the installed appliances etc. were insured, but that the awning and antenna would need a separate endorsement, at a slight charge.

I have written back and said that if the insurance purchased based upon the total price of the trailer doesn't include some of the features of the trailer, then the cost of those features should have been subtracted from the total that IS insured...

and I have a problem with paying a premium based upon a price that includes a sales tax.

and I was wrong...it's State Farm.

Progressive, you say....
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Old 06-15-2011, 05:27 PM   #11
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What state you live in would make a difference in who to go with I would think.
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Old 06-15-2011, 05:35 PM   #12
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There appears to be a foul wind in the air...It smells like insurance industry profiteering. My auto policy just renewed, I have no tickets/no accidents/no claims. They have been hounding me for an annual mileage number for months. I drive very few miles (no commute/home office)...i informed them that last year my mileage spiked due to a trip to Yellowstone (resulted in a 5% increase in my total miles). Even with the increase I'm still well below the annual average of 12,000 miles. ENTER THE INSURANCE INDUSTRY'S NEW MATH: my 5% increase in total miles translated into a 25% hike in my premium. Checked with my Dad (different company) and his went up 25% as well. Is anyone experiencing this? I live in California. Mad, mad, mad!!!!!
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Old 06-15-2011, 05:43 PM   #13
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Insurance

This might not help Gringo as a new buyer, but I remember what my State Farm agent told me one time after three claims - two auto and one home - in a row. I asked if I should expect a rate increase. When I asked why not, he told me that we have been loyal customers since 1963. I'm not shopping for whomever might have the best deal today.
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Old 06-15-2011, 07:48 PM   #14
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This might not help Gringo as a new buyer, but I remember what my State Farm agent told me one time after three claims - two auto and one home - in a row. I asked if I should expect a rate increase. When I asked why not, he told me that we have been loyal customers since 1963. I'm not shopping for whomever might have the best deal today.
I had been a loyal customer with State Farm since the early eighties. Home, Auto, then Trailer.
I moved to Montana and had property without a structure. They would not insure it. I was living in the trailer at the time. I had to insure my property with someone else; Travelers. I now have my house and ranch with Travelers. My Car, Truck, Airstream are insured with Progressive. My Flatbed trailer with Concorde General.

When possible I will insure as much as possible with Travelers.
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