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Post Info TOPIC: Insurance Advice?


RV-Dreams Family Member

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Insurance Advice?


Can anyone help with an insurance question? We are picking up our new 5th wheel end of this month and I'm trying to compare pricing between our current company (State Farm) and with a company who I'm sure will be good for full-timing (not sure if State Farm is)  I got a quote from Good Sam's and they stated that for full replacment on our model and a full-time rate would be roughly 1600.00/yr.  I also tried a company called Foremost.(never heard of them) and they quoted about 1100.00.  We live in PA and we are going to leave that as our domicile in 2016 when we head out but does anyone have a company you really like or any feedback on these that I mentioned?  Do these prices sound average???  I'm still waiting on an answer from State Farm as to a price and if they even cover for full-timing.  Thanks all!!



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GRACIE’S GOLDEN GETAWAY
Barry and Marianne traveling with Golden Retriever Maggie
2014 Ford F-450 DRW Super Heavy Duty Lariat
2015 Solitude 305RE for full-time in 2016
Current:  Carlisle, PA



RV-Dreams Family Member

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Several of us on this forum go through Miller Insurance. They are the broker. We wanted to use Progressive through Miller, but the rates ridiculous. I liked working with Stevia at Miller. Long story short, we ended up going with National Interstate and saved probably $1,400 or more for our truck, 5er (full timer coverage), plus a personal umbrella policy. Finalized the paperwork just today. It might help to refer to all of the information Howard has posted on the left-hand side of the home page. Be sure to reference Howard and Linda when you get a quote. This helps them for all of their time and effort. I hope this helps.



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sun.gifJo & Craig: Class of 2014!

http://itsourmomentintime.wordpress.com/

Life isn't about how you survived the storm, it's about how you danced in the rain!

2016 Lifestyle Luxury 39FB

2015 Ford F350 Dually Longbed (It's awesome!)



RV-Dreams Family Member

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Find any one of the full timing aware insurance agents out there (Millers, Poliseek, CnC, etc.) to get quotes. They're worth working with, as they know this lifestyle and what companies are best for you situation.

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Full time since 2006 as Gen-X 'technomads' (technology enabled nomads)

RV Mobile Internet Resource Center (unbiased information by RVers for RVers)

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RV-Dreams Community Member

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You may also want to check with Blue Sky. I will be going with them shortly.

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RV-Dreams Family Member

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We used Poliseek and got a great price through Progressive with them. Poli seek is now AIS

www.aisinsurance.com/products/recreational-vehicle/overview.aspx

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RV-Dreams Family Member

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Mitch snipped
Jo And Craig wrote:

Several of us on this forum go through Miller Insurance. They are the broker. ...snip...I liked working with Stevia at Miller.

Be sure to reference Howard and Linda when you get a quote. This helps them for all of their time and effort. I hope this helps.


 We Loved working with Stevia, and are quite happy with them(Miller).

The fact that both the F550 AND the DRV are insured with the SAME insurance company, that DOES know we are full-timing is critical for us.

 

We had to dump Progressive, as they wouldn't cover the truck.  IF I have a claim, chances are it will need to be for BOTH, not just one, so WHY on earth would I want TWO insurance companies?

Also Geico won't insure Full-timers.  and Don't think that they won't investigate if there is a accident, and claim, that they will try and say, "NOT covered because you were full-timing".

 

Cheers

Mitch



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--------MitchB----------

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RV-Dreams Family Member

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A-men to that!!!



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sun.gifJo & Craig: Class of 2014!

http://itsourmomentintime.wordpress.com/

Life isn't about how you survived the storm, it's about how you danced in the rain!

2016 Lifestyle Luxury 39FB

2015 Ford F350 Dually Longbed (It's awesome!)



RV-Dreams Family Member

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Thanks all!  Appreciate the advice and feedback!  I'll call Miller's. 



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GRACIE’S GOLDEN GETAWAY
Barry and Marianne traveling with Golden Retriever Maggie
2014 Ford F-450 DRW Super Heavy Duty Lariat
2015 Solitude 305RE for full-time in 2016
Current:  Carlisle, PA



RV-Dreams Family Member

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We went with Millers and got great service. I've had State Farm for a million years and they would not insure my truck unless we had a "fixed location" garage for it. So, they lose a good customer (in 30 some odd years we only had a claim for hail damage to our car) because we are not living in one continuous location. Crazy!


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Joe and Dodie and Furkid, Maggie

2012 Cedar Creek 36CKTS

2015 F350 Dually Lariat

http://joeanddodiesrvtimes.blogspot.com/

 



RV-Dreams Family Member

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We're the same as you Joe....been with State Farm for over 30 years.  I called Miller's today and was lucky enough to get Stevia too.  Great girl and very knowledgable!  She actually worked for State Farm previously and told us they don't have a "real" full-timers policy.  They also would not give us full replacement cost for our camper, so we're going to kiss them good-bye on the rv coverage at least, after next week.  Thanks for the advice everyone....it was very helpful and cleared up some concerns we had.  One more thing off the list!  smile



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GRACIE’S GOLDEN GETAWAY
Barry and Marianne traveling with Golden Retriever Maggie
2014 Ford F-450 DRW Super Heavy Duty Lariat
2015 Solitude 305RE for full-time in 2016
Current:  Carlisle, PA



RV-Dreams Family Member

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You might try Explorer RV as a broker.  I ended up with National Interstate for my Allegro bus and toad, with them.  Much better rates than Progressive  or Good Sam.  They also understand insuring an LLC vehicle if you have one.



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RV-Dreams Family Member

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Something new to add to the mix that just happened to us.  We recently moved to Colorado and by moving here, we can save almost $1200 over the cost for Oklahoma.  (Must be those tornadoes.)  Anyway, in getting things changed with National Interstate, the folks at Miller's wrote me an e-mail with one last request.  It seems that National Interstate wanted pictures of our Ford F450 showing both sides, both front and rear and of the interior.

When I asked why when we didn't have to in Oklahoma, I was told that National Interstate did some "audits" and found that one F450 was owned by a guy that was actually using it as a garbage truck.  So, if you've got a "bigger" truck, you might get asked for photos.

Terry



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Terry and Jo

2010 Mobile Suites 38TKSB3
2008 Ford F450
2019 Ford Expedition Max as Tag-along or Scout

Our photos on Smugmug



RV-Dreams Family Member

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The Junkman wrote:

It's a commerical truck in alot states.. anything bigger than a 3500..


 In Colorado it is not applicable.  Even though we have an F450 it is classified for registration purposes as a "Recreational Truck."  In fact, our F150 is heavy enough that it applies as a recreational truck as well, thus our registration fees are less than what a "regular" or "commercial" truck would be.

This from National Interstate was not based on any particular state.

Terry



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Terry and Jo

2010 Mobile Suites 38TKSB3
2008 Ford F450
2019 Ford Expedition Max as Tag-along or Scout

Our photos on Smugmug

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