I have been with Progressive for 9 years. In that time, I have had no accidents, no claims, and no tickets. I just got my notice for renewal, and they have raised my premium by 30%, so I want to look around and see what else is out there. Any suggestions?
Ken F in WY
If you have military affiliations you might want to investigate USAA.
Welcome to USAA! (https://www.usaa.com/inet/wc/insurance_motor_home)
If you have military affiliations you might want to investigate USAA.
Welcome to USAA! (https://www.usaa.com/inet/wc/insurance_motor_home)
USAA does not write RV insurance. They have a relationship with Progressive
I have progressive, through USAA, , as well, and our premium took a big jump because the risk characteristics of CO changed. Or so they say.
My premium went up by 25%.
I checked with Good Sam. They were lower by $0.035/day. I decided to stay with a company I have been satisfied with for a number of years.
Ed
I have been with Progressive for 9 years. In that time, I have had no accidents, no claims, and no tickets. I just got my notice for renewal, and they have raised my premium by 30%, so I want to look around and see what else is out there.
We also have Progressive (via USAA) which will expire towards the end of 2017. So I'm going to be very interested in your final determination because I know you seldom do anything without a 100% review of all the "if's, and's, and but's". In other words, I really like to benefit from your insurance review.
"They have a relationship with Progressive"
And if that is in fact the case, I won't go there! I have an issue with Progressive of a political nature so I guess this ends my part of the conversation, only to abide with Forum Rules. >:(
I also have issues with my insurer, State Farm, but that is a different situation. ::)
A bit off-topic but does anyone out there use USAA for homeowner's?
Recommending an insurance company for an area you do not live in is pretty much worthless. Rates for the same company vary by state and locale. Shop companies that sell in your area. We got coverage from Ameriprise through Costco a few years back. We have been pleased so far. That does NOT mean they have the best value where you live.
Read also.
The Lazy Daze Companion: Insurance (http://lazydazearticles.blogspot.com/search/label/Insurance)
I have been with Progressive for 9 years. In that time, I have had no accidents, no claims, and no tickets. I just got my notice for renewal, and they have raised my premium by 30%, so I want to look around and see what else is out there. Any suggestions?
Ken F in WY
Ken, we were with Progressive until we experienced the same rate hike a few years ago. We ended up with National General Ins. Actually, it was GMAC but they were bought by NatGen. We had one theft claim and it was handled very efficiently. We do have full timer coverage with them. Each year I compare rates with other companies and while I sometimes see rates a bit lower it usually is at the expense of some coverage that I want.
We deal directly with them via their web portal, not through an agent.
Jim
A bit off-topic but does anyone out there use USAA for homeowner's?
I do.
For vehicles, home, life, etc.
A truly first class company in my opinion.
Thanks, Ed. The reason I asked is that our current company (Farmer's) keeps jacking up the prices every year even though no claims. Granted, we do live in a wildland fire area but even so . . .
I received a quote today from USAA and it was nearly half the price of Farmer's for a comparable policy. I found that hard to believe so I checked out USAA on Consumer Reports online, thinking they must not be very good for that price. Turns out USAA is the second highest rated company for homeowners insurance! I then talked to my step-son who is insured with them and he said nothing but good things as well. So with your additional good comments, guess where I'm headed? :)
My apologies for the side-track; we now return you to your regular programming . . . ;D
A bit off-topic but does anyone out there use USAA for homeowner's?
I do. Contact me off forum if you want to discuss.
Chris
I do.
For vehicles, home, life, etc.
A truly first class company in my opinion.
I worked in property/casualty claims but not for USAA. When I was still working they had the best reputation for claims handling.
Jim
USAA for everything....
I agree with the assumption that insurance of any type is a 'local' issue. State laws and the insurance company's experience in the area determine what or what not is covered and the price. In Portland Oregon ---- My brother-in-law owns a auto-body repair shop. I asked him about this very question. He says all the majors are relatively easy to work with. Under Oregon law we have a fault system. Also under the law we can go to any repair shop. Also a insurance company can not delay or block a claim within a 'reasonable' time frame.
I have separate Progressive policies for my auto and RV. Today I'm using AAA RV but I'm thinking of moving to another provider because I can't be sure of their service across the country.
USAA for everything....
Me too, since 1961. Very satisfied. I use their financial services also. USAA sent me to Progressive for my LD ins.
Chris
I have separate Progressive policies for my auto and RV. Today I'm using AAA RV but I'm thinking of moving to another provider because I can't be sure of their service across the country.
I added road service to my Progressive RV policy for something like $2-3 / month.
You can log in to your Progressive site and get a quick number on just what it would cost to add the coverage.
I was surprised that State Farm gave me a very good deal. I carry all my insurance through them, live in Idaho, and have a clean record - it all helps.
One potential issue you want to address when changing your insurance companies is the amount of coverage they will provide in the case of a total loss.
As has been frequently discussed around here over the years, is the 'book value' number an insurance company uses may be quite a bit lower than your actual replacement cost.
There was a conversation some time ago about a women whose LD was destroyed in a fire. She came face-to-face with this issue.
Not that Progressive is any better. On a new unit purchase, they will provide total loss coverage for the first five years of ownership based on your documented purchase price. After that they use a 'negotiated value'. On my '08, after the fifth year was up, they contacted me to say my total loss coverage was gone and now they would provide $xxx of coverage as the 'negotiated value' . I said my LD would cost more than that to replace, let's go with x+20%. They would not. I said to the women on the phone, "So 'negotiated value' really means the value you decide they you will cover?". She smiled over the phone and said, "Well, I guess that's what it means." 😩
Such is life in the big city.
"I was surprised that State Farm gave me a very good deal."
Generally State Farm does a good job. I've been with them most of my adult life and they have made me a satisfied customer.
However, they can be a sneaky bunch... If you have Personal Liability with them (as I do) and also RV Insurance, watch what happens to the premium on the PL if you should decide to move your RV coverage somewhere else. My agent confirmed that it would at least double, and even he was surprised at that. :o >:(
One potential issue you want to address when changing your insurance companies is the amount of coverage they will provide in the case of a total loss.
As has been frequently discussed around here over the years, is the 'book value' number an insurance company uses may be quite a bit lower than your actual replacement cost.
There was a conversation some time ago about a women whose LD was destroyed in a fire. She came face-to-face with this issue.
Not that Progressive is any better. On a new unit purchase, they will provide total loss coverage for the first five years of ownership based on your documented purchase price. After that they use a 'negotiated value'. On my '08, after the fifth year was up, they contacted me to say my total loss coverage was gone and now they would provide $xxx of coverage as the 'negotiated value' . I said my LD would cost more than that to replace, let's go with x+20%. They would not. I said to the women on the phone, "So 'negotiated value' really means the value you decide they you will cover?". She smiled over the phone and said, "Well, I guess that's what it means." 😩
Such is life in the big city.
I don't know if they still offer this but National General Ins offers the replacement cost for the first 5 years and if you continue it afterwards it reverts to coverage for what you paid for the RV.
Jim
An update - I had emailed my agent with my concern. His response was that they had been using my declared value of $80K for the policy, and if the value was now less, the premium would drop by an amount based on the agreed value. I told him to use $48K and send a quote. I am waiting to hear from him after the weekend.
While that addresses the concern about the rig value dropping while premiums are climbing, it does not address why, with a fixed valuation of $80K, my premium jumped from approximately $1000 in 2016 to approximately $1300 in 2017.
Anyway, I am waiting to hear from him, and am still pondering making a change. This I know - no matter where I go, the insurance companies have me by the short hairs...
Ken F in WY
One of the primary drivers of insurance cost is the claim history and cost to insurers in your specific insurance market. Not your personal claim history, but the total market history. If there have been more claims than in the past, if the average cost of a claim has gone up, etc. then the insurance companies ask the state insurance board for a rate hike to address the increased risk.
Come on down to the land of the drive thru daiquiri stands with lawyer's billboards lining our highways and cluttering up our airwaves if you want high insurance rates.
I just bought an '07 Jeep Liberty for a toad. Paid $3500 for it. Called my agent to insure it. Yep, it'll cost more than my '11 4x4 Tahoe or '14 Mustang convertible! His excuse for such a high price was because it was a new style for us and we didn't have experience driving that kind of car! But in a year or 2 it might go down. Yeah right! insurance rates go down? that'll happen....
BTW my dad was a very successful independent insurance agent so I kinda know how the system works.
Come on down to the land of the drive thru daiquiri stands with lawyer's billboards lining our highways and cluttering up our airwaves if you want high insurance rates.
I just bought an '07 Jeep Liberty for a toad. Paid $3500 for it. Called my agent to insure it. Yep, it'll cost more than my '11 4x4 Tahoe or '14 Mustang convertible! His excuse for such a high price was because it was a new style for us and we didn't have experience driving that kind of car! But in a year or 2 it might go down. Yeah right! insurance rates go down? that'll happen....
BTW my dad was a very successful independent insurance agent so I kinda know how the system works.
What is the land you are talking about? I don't get the reference. Everywhere we travel I see ridiculous plaintiff attorney advertising on TV and billboards.
My own experience in working with agents is that it wasn't uncommon for them to provide incorrect information when it came to underwriting or claims. My guess would be that the company was having higher claims experience with that model vehicle. Look at the breakdown of coverages and compare them and you will see what is costing more.
Jim
the general worked great for me
Come on down to the land of the drive thru daiquiri stands with lawyer's billboards lining our highways and cluttering up our airwaves if you want high insurance rates.
Louisana and Alexander Shunnarah
What did I win?
The daiquiris are not bad. If they only sold ammo at the drive up window it would make it one stop shopping.
Welcome to Oildale California, gateway to Bakersfield.
(http://onthepatio.typepad.com/photos/uncategorized/bait_ammo_liquor.jpg)
Steve
One stop shopping, Steve, just like Wal*Mart!
Ken,
For what it's worth, our cars are insured through AIS. They recommended Mercury for our automobile insurance. Mercury has treated us well.
When we purchased our 2015 RB we called AIS and they lead us to National Interstate for the LD. The details of the RV coverage are in the rig but suffice it to say that we have Full Recover Value for the cost of the New LD. After five years the coverage changes similarly as other carriers but for more details I'd have to pull out the contract. The cost averages out to be $78.00 per month.
They provide Coach-Net as the road side assistance package. While I've never had a need for any of Nat Interstate or Coach-Net, I feel pretty comfortable with my LD coverage.
Checking Nat. Interstates web site recently they appear to be a devoted provider of RV insurance. National Interstate Insurance - RV (http://www.nationalinterstate.com/InsuranceChoices/PersonalLines/RV) This is a link to their site for additional information.
Good luck with your decision.
Kent
We have Foremost for the LD and Farmers for the fleet of miscellaneous cars we have not yet found the energy to downsize. No claim history so far.
Thanks, Ed. The reason I asked is that our current company (Farmer's) keeps jacking up the prices every year even though no claims. Granted, we do live in a wildland fire area but even so . . .
I received a quote today from USAA and it was nearly half the price of Farmer's for a comparable policy. I found that hard to believe so I checked out USAA on Consumer Reports online, thinking they must not be very good for that price. Turns out USAA is the second highest rated company for homeowners insurance! I then talked to my step-son who is insured with them and he said nothing but good things as well. So with your additional good comments, guess where I'm headed? :)
My apologies for the side-track; we now return you to your regular programming . . . ;D
One final side-track as I wanted to give an update of my experiences so far with USAA (for Homeowner's insurance, not RV or auto).
Starting tomorrow, we will be insured with USAA for Homeowners and Earthquake. USAA quoted ~$800 less than my current Farmer's policy for comparable coverage. In addition, their customer service has been excellent to date. I elected to receive documents electronically so it really sped up the process, plus I was able to pay the premium using my USAA credit card with 1.5% cash back, giving even more savings!
Next, I will be getting a quote for their auto insurance to see how they compare with AAA.
A very satisfied customer so far!
An older thread but thought I would pass this article from Clearsurance along. Doesn't necessarily rank RV insurance but covers automobile, home and renter's. Just click on the buttons to the left for the ranking of the type of insurance you are interested in. Glad to see my new homeowner's policy company (USAA) is highly ranked!
Clearsurance (https://clearsurance.com/best-car-insurance-2018)
I recently dumped Farmers and switched to Safeco. I saved about 50% with identical coverages. They insure motorhomes directly too.
Currently paying State Farm $624.26 per year for a 2016 MB. I do have have all my insurance through them. They let me pay with a 2% back bank card so deduct that. I love that 2% part. Frank
I have National General thru Good Sam Club at 845.76 for a 2013 31 IB.
I have all of my insurance - home, auto, and RV through AARP and The Hartford.
We’ve had our 2006 TK through AAA since picking it up in March of 2007. It’s always been insured for comprehensive and collision for the full original purchase price — $69,650. No deduction for depreciation or “actual cash value.” Along with $500/$1mil liability, I paid $520 this year. Nice to know that if someone clobbers it or it burns to the ground we’ll have a tidy sum towards replacement. Touch wood against either as both coach and chassis are in excellent shape for the second decade. — Jon
You can't compare what anyone else pays to what your needs are unless they are in your exact market, with the exact same coverage limits, the exact same vehicle, other policies, and credit rating as you. Insurance is completely local market-driven and managed by each state's insurance regulatory board. Not all companies write in all states/counties, either, nor do all states mandate the same coverage limits.
Best to contact an independent agent who specializes in RVs to get a meaningful set of quotes to compare. Ron Jarvie at Overland RV Insurance Quote - Motorhome, Travel Trailer & Fifth Wheel (http://www.rvins.com) and the folks at Miller RV Insurance are two who immediately come to mind that we have used (we had Miller as our agent for our Foretravel and have Ron for our LTV, both policies through Progressive).
Michelle writes: You can't compare what anyone else pays to what your needs are unless they are in your exact market, with the exact same coverage limits, the exact same vehicle, other policies, and credit rating as you. Insurance is completely local market-driven and managed by each state's insurance regulatory board. Not all companies write in all states/counties, either, nor do all states mandate the same coverage limits.
Bingo. Rates and coverage vary by locale, even another zip code across the street from you.
That said, we were able to obtain coverage at significant savings through Costco with Ameriprise. That may not be available where you live. I am guessing the rates were lower because they screen applicants. I did a 20-minute phone interview with them. Big contrast with most insurer's who ask for your VIN and not much else.