New RV insurance questions

[Jfed]

Trying to decide on insurance for our new AS. I have several quotes from Poliseek and American Adventure insurance. Do I need to go through an agent or can I contact Blue Sky, Foremost, Progressive..etc... directly? Plan on fulltiming next year... any help appreciated! Thanks!

[av8or]

I'm not a fulltimer, but I have been shopping as well, since I'm about to purchase a new (2013) 25FC. I've been with USAA for over 30 years and Bluesky beat them. I used the Bluesky webpage for a quote, it took them 24 hours to get back to me.

[Bluto]

I have Progressive, never filed a claim so don't have any info on that part of it.
I called and did the whole thing over the phone with them at a toll free number. I know you can do the same online and choose the coverage you want and it will give you a price right away. I have no idea what is the best insurance company to go with, and I know Progressive is not cheap, but they did cover the trailer the way I wanted it covered.
Make sure you post a follow up if you find a real good rate with a good company.
Oh, forgot to mention, I am not full timing.

[Jackcat2]

We recently went full time, had been with State Farm for decades, but they don't cover fulltimers. Best to be upfront with whomever covers you, as if you ever have a major claim, it will be investigated in depth and can be denied if anything is found out not to be true. We went with Geico, they cover fulltimers and have great rates, at least in our case.

[Jfed]

We have decided on Blue Sky. We received a quote from American Adventure insurance for Blue Sky that was almost $200. less then Poliseek or the BlueSky website. Has anyone heard of or had any dealings with American Adventure RV? They offer everything we needed/asked for as far as coverage. Any suggestions?

[honey bunny]

When I contacted GEICO the young man attempted togive me a quote through Foremost and said they do not write coverage for the amount I needed which was $14,000.00 Can you tell me what company wrote yours?

[Jfed]

We choose BlueSky insurance and went through American Adventure.

[Gringo]

I live in a foreign country. Keeping a trailer insured and registered in the US has been a bit of a procedure. Not being a resident creates all kinds of issues. As for insurance, we have had great results dealing with an agent. He's really taken care of us, is responsive, and has gotten us a pretty good deal. I'm about to add a tow vehicle to the mix after I get a few ducks lined up.

Email him for a quote. What have you got to lose?
Contact Ron Jarvie, at Overland Insurance. They specialize in RVs etc. His email:
ron@rvins.com

and I have no piece of this whatsoever. Just like supporting good people when I find them. They're getting rare.

[jcanavera]

Progressive has a policy that for a new trailer for the first 5 years of ownership, your trailer will be replaced with like kind (even if the replacement is more than your original purchase price) if totaled. For years 6-10 they will refund your purchase price of your trailer if it is totaled. They also have a forgivable deductable. Each year without a claim forgives $100 of your deductible. Right now with no claims I'm at $0. The cost of my Classic is $65 monthly. This includes road service coverage that also covers the tow vehicle when it is towing. If your tow vehicle fails they will also tow the trailer to a safe site of your choosing.

I called Good Sam to get a quote the other day and they were asking $82 a month with $500 deductible. They also have a policy of lowering the deductible if you have no claims. No towing or road service. If you want that you have to enroll in Good Sam emergency service. First year cost for the road service is $99 annually and I think around the $120 when you renew. I'm not sure if they will tow your trailer if your tow vehicle fails.

Jack

[murreywalker]

Originally Posted by av8or

I'm not a fulltimer, but I have been shopping as well, since I'm about to purchase a new (2013) 25FC. I've been with USAA for over 30 years and Bluesky beat them. I used the Bluesky webpage for a quote, it took them 24 hours to get back to me.

I've been with USAA for 47 years. Didn't shop for alternatives, but have you factored your savings account benefit into the premium?

Our premium is a little over $400 per year, I believe. The savings account reduces that amount of course.

[Gringo]

Originally Posted by jcanavera

Progressive has a policy that for a new trailer for the first 5 years of ownership, your trailer will be replaced with like kind if totaled. For years 6-10 they will refund your purchase price of your trailer if it is totaled. They also have a forgivable deductable. Each year without a claim forgives $100 of your deductible. Right now with no claims I'm at $0. The cost of my Classic is $65 monthly. This includes road service coverage that also covers the tow vehicle when it is towing. If your tow vehicle fails they will also tow the trailer to a safe site of your choosing.

Jack

This is not uncommon, and we found similar options with several insurers.


Personally, I won't use Progressive but that's just because I don't like the owner.

[av8or]

Originally Posted by murreywalker

I've been with USAA for 47 years. Didn't shop for alternatives, but have you factored your savings account benefit into the premium?

Our premium is a little over $400 per year, I believe. The savings account reduces that amount of course.

I ended up insuring with USAA. I know what I'm getting with them, and the savings was not enough to risk switching.