|
|
06-01-2017, 07:14 AM
|
#1
|
2 Rivet Member
2016 Interstate Lounge Ext
Lake Oswego
, Oregon
Join Date: Apr 2016
Posts: 68
|
Insurance
Dose anyone have a recommendation for Insurance on these Interstates? We've got "National General", and I'm thinking all they are really good at is collecting our monthly payments.
|
|
|
06-01-2017, 07:24 AM
|
#2
|
Rivet Master
Muskogee
, Oklahoma
Join Date: Mar 2011
Posts: 749
|
Quote:
Originally Posted by joe rv guy
Dose anyone have a recommendation for Insurance on these Interstates? We've got "National General", and I'm thinking all they are really good at is collecting our monthly payments.
|
Geico, at least for me.
__________________
2011 Interstate WD/Lounge (since sold).
2020 Leisure Van WonderRTB
|
|
|
06-01-2017, 07:48 AM
|
#3
|
3 Rivet Member
1967 17' Caravel
Austin
, Texas
Join Date: Apr 2016
Posts: 221
|
Yesterday, I insured my '67 Caravel with Progressive and they asked me for the value of the trailer and based my rate on that information among other things. $500/yr. insured at $20k for now. As an added bonus, my Progressive boat insurance dropped 10% (bundle).
|
|
|
06-01-2017, 08:41 AM
|
#4
|
Rivet Master
2014 Interstate Ext. Coach
Sedona
, Arizona
Join Date: Jul 2008
Posts: 1,084
|
I was also with National General through the Good Sam Club. But their rates went through the roof this year. So I called Good Sam and they found and much better rate with Progressive.
Good Sam is a broker, so my advice is to get the broker to do the work and look for a better rate for you.
|
|
|
06-01-2017, 09:33 AM
|
#5
|
Rivet Master
2007 Interstate
League City
, Texas
Join Date: Oct 2014
Posts: 6,139
|
I recommend calling Ron Jarvie at Overland Insurance (URL here). His company specializes in RV policies in all 49 states that allow them (Hawaii has different rules). He was recommended to me by another Air Forums user and he's been great.
You could fish around for the optimal policy yourself, but why spend the time when there's an agent right there who knows the market and can get the issue squared away in a matter of minutes?
Particularly in our case, we wanted an "agreed value" policy and my efforts amounted to pushing a lot of crap up hill while getting nowhere, until I had Ron step in and sort it out.
The "agreed value" policy was necessary because, with our older Interstate, the book value was only around half of its realistic market value. In other words, without an agreed value policy, we would have paid X for our Interstate and if it were written off in an accident, our settlement would have been only 0.5X, even if the accident had occurred three days after we paid X.
|
|
|
06-01-2017, 09:41 AM
|
#6
|
Rivet Master
2007 Interstate
League City
, Texas
Join Date: Oct 2014
Posts: 6,139
|
Oh, and BTW, I also have a full-timer policy on our rig because I use it for more purposes than "vacation". If an owner steps *one toe* outside the definition of vacation-type use and something happens to that rig, the loss won't be covered.
Read the fine print and discuss your situation with a competent agent. Myself, I don't like generic options such as Good Sam because I have to wonder how good those agents are, who seem like they might be working out of a series of revolving chairs in a call center. An agent who owns his own small insurance company is going to be more vested in the process, I suspect.
|
|
|
06-01-2017, 10:48 AM
|
#7
|
Rivet Master
2017 Interstate Lounge Ext
Northern
, California
Join Date: Aug 2016
Posts: 1,299
|
USAA which uses Progressive for RV insurance. I have my motorcycles insured through them as well. Going this route was the least expensive and I like having the backing of USAA should something go awry....
|
|
|
06-01-2017, 02:30 PM
|
#8
|
2 Rivet Member
2016 Interstate Lounge Ext
Lake Oswego
, Oregon
Join Date: Apr 2016
Posts: 68
|
Quote:
Originally Posted by InterBlog
I recommend calling Ron Jarvie at Overland Insurance (URL here). His company specializes in RV policies in all 49 states that allow them (Hawaii has different rules). He was recommended to me by another Air Forums user and he's been great.
You could fish around for the optimal policy yourself, but why spend the time when there's an agent right there who knows the market and can get the issue squared away in a matter of minutes?
Particularly in our case, we wanted an "agreed value" policy and my efforts amounted to pushing a lot of crap up hill while getting nowhere, until I had Ron step in and sort it out.
The "agreed value" policy was necessary because, with our older Interstate, the book value was only around half of its realistic market value. In other words, without an agreed value policy, we would have paid X for our Interstate and if it were written off in an accident, our settlement would have been only 0.5X, even if the accident had occurred three days after we paid X.
|
I've contacted Overland, thanks for the tip!
|
|
|
06-01-2017, 02:39 PM
|
#9
|
Rivet Master
2013 Interstate Coach
Waterloo
, Iowa
Join Date: Jun 2014
Posts: 1,598
|
We use Geico. They have a separate department that does RV's. Thankfully we did not have any claims experience with them. We did get the Emergency Road Service coverage for about $7 per 6 months - much cheaper than Good Sam Roadside. Good Sam's touted that they had no limit on towing mileage, so I asked Geico about that topic and found that Geico doesn't either. Interblogs comment on Agreed Value would seem particularly important if there have been a lot of upgrades.
|
|
|
06-01-2017, 05:12 PM
|
#10
|
Rivet Master
2006 22' Interstate
Port Angeles
, Washington
Join Date: Sep 2016
Posts: 938
|
I have most of my insurance through Farmers.
I initially added the AI, but was worried it would be valued as a regular Sprinter if anything happened.
My agent (an old friend of mine) did some research and got me 'agreed value' for not a lot more than what I had. It was more- but not a huge amount.
It was an RV policy through Foremost.
I have a few motorcycles via GEICO (Farmers doesn't write new MC policies now) and it is pretty cheap. They are primarily dirt bikes (but plated) and really I wanted it mostly for theft.
Mark
|
|
|
06-01-2017, 06:15 PM
|
#11
|
2 Rivet Member
2012 Interstate Coach
Northern California
, California
Join Date: May 2017
Posts: 25
|
I have just owned my AI for less than a month...Didn't really research it but I have 21st Century...I may change it once I research this a bit...
|
|
|
06-01-2017, 09:37 PM
|
#12
|
Rivet Master
2017 Interstate Lounge Ext
Northern
, California
Join Date: Aug 2016
Posts: 1,299
|
Quote:
Originally Posted by Lotus54
I have most of my insurance through Farmers.
I initially added the AI, but was worried it would be valued as a regular Sprinter if anything happened.
My agent (an old friend of mine) did some research and got me 'agreed value' for not a lot more than what I had. It was more- but not a huge amount.
It was an RV policy through Foremost.
I have a few motorcycles via GEICO (Farmers doesn't write new MC policies now) and it is pretty cheap. They are primarily dirt bikes (but plated) and really I wanted it mostly for theft.
Mark
|
FWIW, I had EVERYTHING through Farmers, including my bikes, which were written through Foremost. When Foremost/Farmers sent me a renewal that was 50% higher than the previous year (nothing of my doing, perfect driving record, no tickets, etc) I said enough and went shopping. I got better coverage for exactly half of what Foremost wanted through USAA/Progressive. You may want to check them out for the RV and the bikes.
|
|
|
06-01-2017, 09:48 PM
|
#13
|
Contributing Member
2018 Interstate Grand Tour Ext
Austin (Hays County)
, Texas
Join Date: Jun 2002
Posts: 7,164
|
I get a good rate from USAA/Progressive on my AI. The multiple car discount plus my good driving record helps. I have been with USAA since 1952.
BTW, I just refinanced my AI with the credit union at 1.85%. They way undercut the percentage USAA offered.
__________________
John W. Irwin
2018 Interstate GT, "Sabre-Dog V"
WBCCI #9632
|
|
|
06-01-2017, 09:52 PM
|
#14
|
Rivet Master
2006 22' Interstate
Port Angeles
, Washington
Join Date: Sep 2016
Posts: 938
|
I still have one motorycle through Farmers (an old policy) and it is a very good price.
Foremost is always higher.
I did do some checking and it was still better (but of course I didn't look at them all). The agent is a good friend of mine and I know would do all he could in the case of a claim (of course, I'm sure he has less and less influence)
Mark
|
|
|
06-01-2017, 09:54 PM
|
#15
|
Rivet Master
2017 Interstate Lounge Ext
Northern
, California
Join Date: Aug 2016
Posts: 1,299
|
Quote:
Originally Posted by Pahaska
I get a good rate from USAA/Progressive on my AI. The multiple car discount plus my good driving record helps. I have been with USAA since 1952.
BTW, I just refinanced my AI with the credit union at 1.85%. They way undercut the percentage USAA offered.
|
Wow. Now that's a great rate!
Thanks for the heads up.
|
|
|
06-01-2017, 10:12 PM
|
#16
|
Rivet Master
2015 Interstate Ext. Coach
San Diego
, California
Join Date: Feb 2014
Posts: 666
|
Quote:
Originally Posted by joe rv guy
Dose anyone have a recommendation for Insurance on these Interstates? We've got "National General", and I'm thinking all they are really good at is collecting our monthly payments.
|
How much were they collecting? Mine is $754 year with National General.
|
|
|
06-02-2017, 07:58 AM
|
#17
|
Rivet Master
2017 Interstate Grand Tour Ext
Houston
, Texas
Join Date: Jan 2017
Posts: 578
|
One more Progressive customer. I did a couple of comparisons with others, rates were similar, but I wasn't comparing apples to oranges. I picked Progressive because I'm already a customer (for motorcycles) and they have a great website.
State Farm had a great rate, but did not offer total replacement coverage.
__________________
Leigh & Bettie
Houston TX
2017 Interstate GT
|
|
|
06-02-2017, 08:05 AM
|
#18
|
Rivet Master
2017 25' Flying Cloud
Florence
, Alabama
Join Date: Dec 2015
Posts: 712
|
I have USAA for my insurance. I use it for home and autos as well. Haven't had to use it [emoji1317] yet, but know I'm backed by a good company.
__________________
The Colonel and Southern Belle
|
|
|
06-02-2017, 08:25 AM
|
#19
|
Half a Rivet Short
2017 30' Classic
2022 Interstate 24X
Carlisle
, Pennsylvania
Join Date: May 2017
Posts: 15,685
|
Hi
We've moved around a lot. Insurance rates vary dramatically state to state and even within a state. They also vary quite a bit based on the picky details of the policy. Comparing "I pay $100 a year" to "We pay $3,000 a year" without all those details can be dangerous ... That all said, If they double your rates year to year, they are sending you a message.
Bob
|
|
|
06-02-2017, 08:40 AM
|
#20
|
2 Rivet Member
2016 Interstate Lounge Ext
Lake Oswego
, Oregon
Join Date: Apr 2016
Posts: 68
|
Quote:
Originally Posted by Ron_CA
How much were they collecting? Mine is $754 year with National General.
|
$1020.00 per year.
My complaint is with claim service. I need the windshield replaced, well first of all its "safelite" or nothing. Well I wanted a quality installation from a shop that does many Sprinters. I did not feel the safelite shops locally were up to it. National General was only willing to pay for safelite replacement after my $500.00 deductable. That would be $242.00 that they were willing to pay.
maybe it's just me, but that's not right
|
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Thread Tools |
Search this Thread |
|
|
Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
Recent Discussions |
|
|
|
|
|
|
|
|
|
|
|