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Old 08-10-2017, 11:44 AM   #1
1 Rivet Member
San Antonio , Texas
Join Date: May 2017
Posts: 5
Outrageous Quotes? Or Just Me?


We just purchased a used 2016 Serenity 23FB and I've been shopping for insurance. We have a very small camper that has been insured with USAA for a couple of years along with our autos and home so they were obviously my first choice. I received a quote of $1664/yr which I thought was absurd compared to our smaller camper and the research in these forums on what others are paying.

I decided to try Good Sam RV Insurance and initially received a quote of around $1250 which I still thought was high. Now it seems that any time I revisit their quote and try making changes (raising or lowering coverage) that the price continues to climb. It's now in the $1800 range.

I just requested a quote online from Geico but have yet to hear back.

I'm feeling rather discouraged at this point as I anticipated more in the $500-$600/yr range. Was I wrong for expecting this? Trailer is owned outright, credit is pristine, no tickets or accidents, nothing else I can think that would be driving up our rates. We live in San Antonio, TX (just offering up as I know insurance fluctuates from city to city, state to state)

Any thoughts or feedback would be greatly appreciated!

Doug T
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Old 08-10-2017, 12:03 PM   #2
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2017 26' Flying Cloud
Huntsville , Alabama
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I say keep shopping.
We have State Farm with multi-discounts for our new 2017 26U.
$440.00/yr with deductible $2000 (just wanted catastrophic).
For $1000 deductible it was like $200.00/yr more.
I figure in 5 years I'll make up that difference (if no claims).
2017 Airstream 26U Twin
2017 F250 Platinum
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Old 08-10-2017, 03:45 PM   #3
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1969 25' Tradewind
Shasta Lake , California
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Do you live in the hail, tornado, hurricane,or flood areas that can happen every year ?
Do you travel in those areas ?

If so that would explain the high rates .

One hail storm and your AS is totaled.

Do you store it outside ?
If you do the best thing you could do is to get it out of the weather and into a secure structure.
Glen & Jane 1969 all electric Airstream 25' TradeWind
2014 Toyota Tundra
1998 Chevy Tahoe

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Old 08-10-2017, 06:58 PM   #4
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Fort Collins , Colorado
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Is this a full-timer quote? Our policy states <30 days/year.

“We are confronted with insurmountable opportunities.”
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Old 08-10-2017, 07:03 PM   #5
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2017 30' Classic
Carlisle , Pennsylvania
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There are a lot of fiddly details that drive insurance prices. In most states, it's a regulated industry. They file a "book" with the regulator that shows how they calculate the rates. Punch in the same conditions and you should get the same price ....that's also what lets them work out what the competition would be charging. ( You see that in various ads on TV )

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Old 08-10-2017, 07:07 PM   #6
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I pay 225.00 per year for declared value of 65K through Cincinnati
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Old 08-10-2017, 07:42 PM   #7
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Have you tried Progressive? They are usually very reasonable.
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Old 08-10-2017, 07:55 PM   #8
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Fleming Island , Florida
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Originally Posted by Silverbee View Post
Have you tried Progressive? They are usually very reasonable.
USAA is Progressive. They stopped backing policies several years ago.

“You cannot reason someone out of a position they have not been reasoned into"
Al, K5TAN and Missy, N4RGO WBCCI 1322
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Old 08-10-2017, 08:05 PM   #9
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We pay about $800/year with Progressive, for our 2015 EB 27' in NE Florida. Joe
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Old 08-11-2017, 11:18 AM   #10
2017 22' Sport
Phoenix , Arizona
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I pay about $270 per annum with Safeway for a 2017 model valued at $65k. The policy is linked to my primary vehicle. $500 deductible
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Old 08-11-2017, 11:24 AM   #11
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Tucson , Arizona
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These quotes are scary!.. .

I just pulled my Declarations Page and with $1000 deductible for Comp and Collision, 500/500 coverage and "Stated Value" of $45000 for our 2011 27FB we pay $141 a year. All our vehicles and home are covered by the same insurer, so maybe that's the key.

Something is wrong either with your quotes or my coverage. Wondering ...
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Old 08-11-2017, 11:26 AM   #12
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San Clemenete , California
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Posts: 26
We pay 700 for a 2016 23FB Flying Cloud

Hi-We pay $700 annually for a 2016 23FB Flying Cloud with GEICO in southern California.
$500 deductibles.

It is listed as the third vehicle on our automobile policy.

That was a big raise from a 17 ft Casita fiberglass. Again that fiberglass trailer was about 1/3 the value of the AS.

Good luck in your insurance search.
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Old 08-11-2017, 11:29 AM   #13
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1990 29' Excella
Stone Mountain , Georgia
Join Date: Jul 2010
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We live in Atlanta and store our Agreed Value AS outside and insure with Nationwide for $450~

Check Nationwide and check FCIS in particular. They had a rep at the Escanaba International Airstream Rally last month.

Your estimate sounds very high.

WBCCI 2456 Georgia Unit 32
1990 Excella 29' Centramatics
2016 GMC Sierra Crew Cab 2500 HD 4x4
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Old 08-11-2017, 11:54 AM   #14
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Dump your Cache...

Searching online leaves a trail of your ISP that's followable. DUMP IT prior to pricing searches. Amazon and others can track your activity and determine YOUR demographic (and price sensitivity) as a potential shopper - and other nuggets - usable to find which baiting will hook you. Airlines are probably the first big users of these technology to set pricing for airline tickets.

Do you think your Airstream is more valuable than your other camper? So does every insurance company that insures RV's.

Raise your deductible on first dollar loss that you're WILLING to absorb - that will lower the premium.
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Old 08-11-2017, 11:56 AM   #15
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Colorado Springs , Colorado
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Originally Posted by Al and Missy View Post
USAA is Progressive. They stopped backing policies several years ago.

What? Are you saying that USAA is just a reseller? Or am I missing something?
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Old 08-11-2017, 12:05 PM   #16
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Houston , Texas
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ICEMAN Check your insurance. If it's right share the love. If not ...
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Old 08-11-2017, 12:11 PM   #17
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Euless , Texas
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Originally Posted by Royce View Post
What? Are you saying that USAA is just a reseller? Or am I missing something?
I just switched my auto insurance to USAA and they sent me to Progressive but with a "USAA" discount for my trailers.
Past President, Vintage Airstream Club, WBCCI # 7291
1977 Argosy 28 Center Bath
(CA made) and 2015 Ford F250 6.7 diesel. Used to own 1978 Argosy Minuet 6.0 and 2013 Toyota Tundra
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Old 08-11-2017, 12:21 PM   #18
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Memphis , Tennessee
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I agree that something is changing to cause Agreed Value insurance for RV's to rise. I was with Blue Sky, but they stopped offering RV coverage recently and I am now shopping for Agreed Value insurance from others. I can't find anybody that will give me what I feel are reasonable quotes for my trailer. $38,500 is the appraised value and the quotes are over $850 a year. It was less than $500 with Blue Sky. I was told that Blue Sky exited because they were not making money, so there must be less competition and rates are set for those left to make it worth their while. My problem is I think it's too expensive for my needs. I had almost rather just put it on my regular insurance now and fight the battle if something happens that I need replacement. I can keep the appraisal current, and fight with the insurance company if something happens. Anybody else in this boat?
1965 Airstream Caravel, 2003 Ford F150 SuperCrew, 2003 Miata Special Edition, 1993 Miata Black & Tan
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Old 08-11-2017, 01:07 PM   #19
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2014 23' International
Lohman , Missouri
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Posts: 55
I have RV insurance thru Progressive, and only RV insurance. I have a 2014 International Signature 23D and got a Agreed Value policy. First year it was around $1000, and second year went down to around $800.
I used a independent insurance dealer to find the policy as I wanted Agreed Value and they came back with Progressive
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Old 08-11-2017, 01:07 PM   #20
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Reseda , California
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try Wawanesa, then fine tune your policy: coverage amount, deductible, etc. There are a lot of factors, age, record, location, value of AS, etc. Just don't use a no name insurance in my opinion.
"No job is so simple that it cannot be done wrong."
"Everyone is entitled to be stupid, but some abuse the privilege."
"Either I will find a way, or I will make one."
WBCCI 9164
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