Trailer Insurance Any good policies out there? - RV-Dreams Community Forum

CJSX2fromCT · RV-Dreams Family Member

Trailer Insurance Any good policies out there?

Terry and Jo · RV-Dreams Family Member

I would suggest an insurance broker that deals with various companies. We are insured with National Interstate using Miller Insurance Agency in Oregon. Miller did a good job of questioning us as to what kind of coverage we wanted and then finding us a good company with which to deal. Our experience got us Coach Net for emergency roadside services.

Miller Insurance Agency

Terry

cpaulsen · RV-Dreams Family Member

We went with Good Sam and their National General. Had Allstate for years but they would not insure a full time rig.

Alie and Jims Carrilite · RV-Dreams Family Member

We went with Blue Sky. They we're better priced than National and Progressive for us. Bumped up the fulltimer coverage, and we put the truck with them.

VanMar · RV-Dreams Family Member

Terry and Jo wrote:
I would suggest an insurance broker that deals with various companies. We are insured with National Interstate using Miller Insurance Agency in Oregon. Miller did a good job of questioning us as to what kind of coverage we wanted and then finding us a good company with which to deal. Our experience got us Coach Net for emergency roadside services.
Miller Insurance Agency
Terry

X2 on Miller. (No relation to Terry :) )

John seemed to be interested in getting the best policy for us at the best price. The lady at Good Sam seemed like a high pressure sales person, more interested in the commission. That was probably just the one person, though. A lot of people on the forum have Good Sam and are really happy with them.

Vance

Bill and Linda · RV-Dreams Family Member

X3 on Miller Insurance and also Progressive. Progressive has been really good in price and performance and Miller Insurance knows about RV’s and understands what you are referring to; especially if you are needing insurance on a MDT or larger truck. Once you pass into MDT range things get expensive and Miller Insurance can help with that.

Terry and Jo · RV-Dreams Family Member

My bad, Vance. I should have stated that I had no relationship to the Millers of Miller Insurance Agency. But then, not everyone knows my last name.

And, related to Bill's comment, the MDT category starts at the F450/4500 series trucks. Wikipedia Article on Truck Classifications

Terry

Talensnana · RV-Dreams Family Member

We have used Christina Lourie with Good SAMs and she is amazing. Anytime we need anything we can call or email her and she takes care of it. Even if it is beyond what she normally does. She will shop with the various companies and find you the best fit. Her email is Chistina.Lourie@ngic.com. Her phone number is 216-592-7123.

-- Edited by Talensnana on Thursday 13th of February 2014 04:23:39 PM

NWescapee · RV-Dreams Family Member

X4 on Miller Insurance agency, Marlene is absolutely fantastic!!!

Bill and Linda · RV-Dreams Family Member

Terry and Jo wrote:

And, related to Bill's comment, the MDT category starts at the F450/4500 series trucks. Wikipedia Article on Truck Classifications
Terry

To amplify a bit on Terry’s good point, the article lists some 3500(HD) trucks as class III trucks which are now Class IV, technically MDT’s. So be sure and check with your insurer about your specific truck via the VIN. The badge on the side doesn’t determine the insurance rates or the capability of the truck for that matter. It’s the ratings.

Another point for those looking to upfit your truck: Keep in mind that if you don’t do your homework with the agent the “totaled” value of the truck will be based on the VIN. Not what you have invested in the truck

If you upfit, say with a hauler bed, especially with a new truck, you will want to discuss with the agent an “agreed upon value.” You can get this with some insurers if you can document the actual value when the policy is taken. Don’t try to argue this later if you have an accident. Some insurers will not pay for replacement or repair to items not included in the VIN. Miller Insurance is familiar with all these “special” things.

On Edit: We were able to get a true value for our upfitted truck with Progressive. I'm sure there are other companies that will do likewise, but they did it and at a very good rate, IMO.

-- Edited by Bill and Linda on Thursday 13th of February 2014 08:02:15 AM

RickandJanice · RV-Dreams Family Member

Another vote hear for using Miller Insurance, they really understand full time RV needs and can therefor make suggestions and recommendations. By being an independent agent, they can also tailor the coverage to your personal preference and shop around for competitive rates. We ended up with Progressive on the truck and Titan on the rig because we had an older rig and were trying to lock in some type of replacement coverage that would not deplete as the rig got older since we plan on keeping it for as long as possible.

Terry and Jo · RV-Dreams Family Member

Bill and Linda wrote:
Terry and Jo wrote:

And, related to Bill's comment, the MDT category starts at the F450/4500 series trucks. Wikipedia Article on Truck Classifications
Terry

To amplify a bit on Terry’s good point, the article lists some 3500(HD) trucks as class III trucks which are now Class IV, technically MDT’s. So be sure and check with your insurer about your specific truck via the VIN. The badge on the side doesn’t determine the insurance rates or the capability of the truck for that matter. It’s the ratings.

-- Edited by Bill and Linda on Thursday 13th of February 2014 08:02:15 AM

Bill,

Class IV trucks must have a GVWR of 14,001 lbs or more to be rated in that classification. I don't think that either GM nor Dodge has increased their truck's GVWR above 14,000, so they will still be classified as a Class III vehicle. Then again, I've not looked at the newest numbers for those trucks, so they might have changed their GVWR.

Terry

Jo and Ben · RV-Dreams Family Member

We just signed up with National General through Good Sam. This is all new to us, just bought the truck and RV last month and plan to start full-timing in April. We initially signed up with Progressive, but they wanted "proof of garaging" in SD where we are establishing domicile. When we explained that we were going to be full timing and not staying in SD all the time they said they would not cover full timers. We pointed out that they had given us a full-timers policy on the RV, but they still insisted they would not cover us if we full time. So we called Good Sam and they were very helpful and gave us full timers coverage for $800 less.

CJSX2fromCT · RV-Dreams Family Member

Thank you all for your input, Called Miller and waiting on a quote. What are the "must haves" that you are carrying in your policies?

Bill and Linda · RV-Dreams Family Member

Terry and Jo wrote:
Bill and Linda wrote:
Terry and Jo wrote:

And, related to Bill's comment, the MDT category starts at the F450/4500 series trucks. Wikipedia Article on Truck Classifications
Terry

To amplify a bit on Terry’s good point, the article lists some 3500(HD) trucks as class III trucks which are now Class IV, technically MDT’s. So be sure and check with your insurer about your specific truck via the VIN. The badge on the side doesn’t determine the insurance rates or the capability of the truck for that matter. It’s the ratings.

-- Edited by Bill and Linda on Thursday 13th of February 2014 08:02:15 AM

Bill,
Class IV trucks must have a GVWR of 14,001 lbs or more to be rated in that classification. I don't think that either GM nor Dodge has increased their truck's GVWR above 14,000, so they will still be classified as a Class III vehicle. Then again, I've not looked at the newest numbers for those trucks, so they might have changed their GVWR.
Terry

Terry:

Yep, you’re mistaken as far as insurance and ratings are concerned which is the issue. The current vintage Dodge 3500HD is considered to be a MDT, as is the F-450, because both are OEM rated at 14,000 GVWR. I know about the 14,001 deal. But nonetheless, the insurance companies consider the current Dodge 3500HD DRW to be class IV and will put it into the “commercial” class like the F-450. That information is very current. That’s why checking with Miller Insurance is a good idea as they can help with this “commercial” issue; been there recently.

As commented, the “Badge” on the side means nothing these days as to almost any ratings and insurance. For example I know of Class III trucks, like mine, that have higher rear axle ratings than some class IV trucks, like some F-450’s. There are other examples. It depends on the model year and the OEM equipment and those have changed significantly in the last 3 - 4 years while the badges have remained the same. The ratings will change significantly again with some 2015 models, like the F-450, with the same badge according to Ford’s marketing publications.