Insurgence quotes help!

[Squirestrhn]

Hello!have pick up are 30fb bunk and are currently shopping insurance. After taking to the dealer and having looked on multiple post. I think this is a little high and would love to have some feedback on it. Or if this is even the correct route for coverage. This was through progressive.

Vehicle:
2019 30’ Airstream Flying Cloud 30FB
Purchase price new @ $85,001-90,000 (including sales tax)

Coverage:
$ 250,000 – Vacation/Campsite Premises Liability
Towing & Roadside Assistance (reasonable expense)
$ 1,000 – Comprehensive Deductible
$ 1,000 – Collision Deductible
Disappearing Deductibles (25% deductible credit per claim free year)
Total Loss “Replacement Cost” Coverage
$ 750 – Emergency Expense Coverage
$ 2,000 – Personal Effects (replacement basis)

Premium: $ 1,208.00 per year (on above package)
$ 1,458.00 per year (with $500 deductibles)
$ 1,715.00 per year (with $250 deductibles

[dznf0g]

Well, I am paying a bit over $800, with 1k deductible for agreed value of $55k for a 2007 classic (with many upgrades), so I dont think that's out of line.

[SteveSueMac]

If you’re not working with a local broker/agent, I highly recommend it. I work in the industry (not on the underwriting side) and it is a mystery - further complicated by each state’s different rules/regulations and pricing structures. There are too many x-factors to tell you if the proposed rate is reasonable or not. Best advice I can give - work with a broker who can represent multiple carriers, understands each carrier’s claim philosophy (when it really matters) and will be your advocate through the maze.

Good luck!

[dznf0g]

Originally Posted by SteveSueMac

If you’re not working with a local broker/agent, I highly recommend it. I work in the industry (not on the underwriting side) and it is a mystery - further complicated by each state’s different rules/regulations and pricing structures. There are too many x-factors to tell you if the proposed rate is reasonable or not. Best advice I can give - work with a broker who can represent multiple carriers, understands each carrier’s claim philosophy (when it really matters) and will be your advocate through the maze.

Good luck!

True, until the unit gets to be too old for replacement value. Then you have to shop great distances for agreed value. Not many carriers participate in that risk pool.