|
01-04-2013, 04:20 PM
|
#1
|
1 Rivet Member
2013 27' FB Classic
Woodstock
, Georgia
Join Date: Oct 2012
Posts: 6
|
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.
|
|
|
01-04-2013, 04:41 PM
|
#2
|
Figment of My Imagination
2012 Interstate Coach
From All Over
, More Than Anywhere Else
Join Date: Dec 2011
Posts: 10,868
|
Quote:
Originally Posted by jsaucer
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.
__________________
I thought getting old would take longer!
|
|
|
01-04-2013, 04:42 PM
|
#3
|
Retired.
Currently Looking...
.
, At Large
Join Date: Jun 2003
Posts: 21,276
|
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.
__________________
Meddle not in the affairs of dragons, for you are crunchy, and taste good with ketchup.
Terry
|
|
|
01-04-2013, 06:13 PM
|
#4
|
Retired.
Currently Looking...
.
, At Large
Join Date: Jun 2003
Posts: 21,276
|
Quote:
Originally Posted by Protagonist
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.
__________________
Meddle not in the affairs of dragons, for you are crunchy, and taste good with ketchup.
Terry
|
|
|
01-04-2013, 06:17 PM
|
#5
|
Figment of My Imagination
2012 Interstate Coach
From All Over
, More Than Anywhere Else
Join Date: Dec 2011
Posts: 10,868
|
Quote:
Originally Posted by overlander63
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.
__________________
I thought getting old would take longer!
|
|
|
01-04-2013, 06:19 PM
|
#6
|
Retired.
Currently Looking...
.
, At Large
Join Date: Jun 2003
Posts: 21,276
|
Quote:
Originally Posted by Protagonist
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.
__________________
Meddle not in the affairs of dragons, for you are crunchy, and taste good with ketchup.
Terry
|
|
|
01-04-2013, 07:00 PM
|
#7
|
Figment of My Imagination
2012 Interstate Coach
From All Over
, More Than Anywhere Else
Join Date: Dec 2011
Posts: 10,868
|
Quote:
Originally Posted by overlander63
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.
__________________
I thought getting old would take longer!
|
|
|
01-04-2013, 08:06 PM
|
#8
|
Silver Hilton
1959 24' Tradewind
Astoria
, Oregon
Join Date: Nov 2002
Posts: 227
|
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.
Mark
|
|
|
01-04-2013, 08:17 PM
|
#9
|
Rivet Master
2006 25' Safari
St. Augustine
, Florida
Join Date: Oct 2011
Posts: 2,670
|
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.
|
|
|
01-04-2013, 08:48 PM
|
#10
|
4 Rivet Member
1977 31' Sovereign
Fresno
, California
Join Date: Jan 2012
Posts: 434
|
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).
__________________
Cheers,
Cara, John & Johnny
Jet, Our silver stow-a-way
1977 31' Sovereign "The Mod Pod"
2006 Ford F-250 Super Duty
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
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 |
|
|
|
|
|
|
|
|
|
|
|