Insurance

[krminyl@...]

Dick and Carolyn

I've had Progressive Insurance for 4 yrs...I pay just under $600/yr for full
coverage; includes towing, disappearing deductible (deductible decreases
25%/yr if no claims, and goes away to 0 in 5 yrs, etc, etc). Progressive for
the BB, Allstate for the cars.

You'll get other referrals...check 'em all out. It seems that the big guys
(Allstate, State Farm, Farmers, etc) all charge 2 to 3 times more than the RV
specialty companies, and give you less in return.

Best of luck..

Kevin McKeown
Yorba Linda, CA
1986 38' PT


[Non-text portions of this message have been removed]

[Richard Sevey & Carolyn Sevey]

Hi All
We are wondering if anyone has a better deal on insurance than we
have, it seems ours keeps going up with no accidents or citations. We
are with State Farm and have been for about 60 years.
Dick & Carolyn Sevey 83 fc 33 Pahrump, Nv.

[jon lechich]

Take a look a Camper World insurance program. I was with GICO Insurance and my
whole familys driveing record is perfect for the last 6 years. I have twin boys
22 years old and my insurance was running around $2800 dollars a year four cars
and a motor home. Now its running at about $1700 and its still the same amount
of insurance for the whole family! I thought I was getting a good deal at GICO
but the only deal I was getting was a good kick in the rear end! Jon
Richard Sevey & Carolyn Sevey wrote:Hi All
We are wondering if anyone has a better deal on insurance than we
have, it seems ours keeps going up with no accidents or citations. We
are with State Farm and have been for about 60 years.
Dick & Carolyn Sevey 83 fc 33 Pahrump, Nv.






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One of my favorite sayings goes! "You never own anything, everything owns you!"




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[Non-text portions of this message have been removed]

[Bob Lawrence]

I dunno...what do you pay?
Bob Lawrence
84 PT36 (Whirlybird)
Tacoma, Wa

> Hi All
> We are wondering if anyone has a better deal on insurance than we
> have, it seems ours keeps going up with no accidents or citations.
We
> are with State Farm and have been for about 60 years.
> Dick & Carolyn Sevey 83 fc 33 Pahrump, Nv.

[John]

This topic seems to come up every so often on these forums and a lot
of well meaning replies are given, but one thing that doesn't seem to
be mentioned is, that insurance rates are very sensitive to where you
live, even within a given state, so comparing the rates that one pays
in one state to where another individual lives, or as the insurance
people like to say, where the insured vehicle is garaged, is almost
useless for comparison purposes.

To give you an example for instance, here in the state of South
Carolina, one of the most expensive insurance states, thanks to our
legislature and a lot of uninsured motorist, the insurance rates vary
depending on what county that you live in. I live six miles outside of
the greater metropolitan area of Columbia, SC the state capital and I
pay the same rate as if I were living in downtown Columbia, just
because I live in the same county. I can go about 100 miles from here
and cross the Georgia state line and get a substantial savings, if I
lived there.

When I had my business and I was on the road for almost 90% of the
time and hardly ever traveled within the state of South Carolina,
other than to leave from and return to home, I still had to pay the
same rate. the cost of commercial insurance for that vehicle was a
major factor in my decision to retire completely from that business
and close it down after over thirty years.

Since I am a lifetime member of the Good Sam club, I have all six of
my vehicles insured, with the exception of my Motorcycle (they don't
offer it here because of the no helmet required law, even though I
always wear one, for the past 21 years) through their insurance
program, which is with GMAC and have had a very good working
relationship with them on claims in the past and I am satisfied with
their rates, compared to other insurers in this state. I believe that
GMAC also offers insurance through Camping World.

Just be sure you are not comparing apples, to oranges when asking for
insurance rate comparisons, especially from state to state.


"REMEMBER SEPTEMBER 11, 2001"
John Finn
'82 35FCRB
BLUEBIRD WANDERLODGE
TO VISIT THE "FINN'S INN EXPRESS" REMODELING ADVENTURE
GO TO;
http://www.pbase.com/image/24977457
'66 SUPERIOR / IH 392 GAS V8 32' PUSHER "FOR SALE"
SEE THE OLD COACH AT:
http://www.pbase.com/image/26052733
HOPKINS, SOUTH CAROLINA

//////////////////////////////////////

--- In WanderlodgeForum@yahoogroups.com, "Bob Lawrence"
wrote:
> I dunno...what do you pay?
> Bob Lawrence
> 84 PT36 (Whirlybird)
> Tacoma, Wa
>
> > Hi All
> > We are wondering if anyone has a better deal on insurance than we
> > have, it seems ours keeps going up with no accidents or citations.
> We
> > are with State Farm and have been for about 60 years.
> > Dick & Carolyn Sevey 83 fc 33 Pahrump, Nv.

[Tom Warner]

John actually setting insurance rates for an individual is a rather
complicated procedure. Two people living on the same street driving the
same motorhome and insured wtih the same company may pay widely differening
rates.
Now they not only take into consideration accidents and speeding tickets,
but your credit rating. The credit rating FICO number seems to be a big
factor now.

I am insured with Progressive and have $300K $500K liability, collision
full glass with a $1M umbrella policy and its $503.

tom
1982 FC35
Vernon Center,NY

At 08:36 AM 5/25/2005 +0000, you wrote:
>This topic seems to come up every so often on these forums and a lot
>of well meaning replies are given, but one thing that doesn't seem to
>be mentioned is, that insurance rates are very sensitive to where you
>live, even within a given state, so comparing the rates that one pays
>in one state to where another individual lives, or as the insurance
>people like to say, where the insured vehicle is garaged, is almost
>useless for comparison purposes.
>
>To give you an example for instance, here in the state of South
>Carolina, one of the most expensive insurance states, thanks to our
>legislature and a lot of uninsured motorist, the insurance rates vary
>depending on what county that you live in. I live six miles outside of
>the greater metropolitan area of Columbia, SC the state capital and I
>pay the same rate as if I were living in downtown Columbia, just
>because I live in the same county. I can go about 100 miles from here
>and cross the Georgia state line and get a substantial savings, if I
>lived there.
>
>When I had my business and I was on the road for almost 90% of the
>time and hardly ever traveled within the state of South Carolina,
>other than to leave from and return to home, I still had to pay the
>same rate. the cost of commercial insurance for that vehicle was a
>major factor in my decision to retire completely from that business
>and close it down after over thirty years.
>
>Since I am a lifetime member of the Good Sam club, I have all six of
>my vehicles insured, with the exception of my Motorcycle (they don't
>offer it here because of the no helmet required law, even though I
>always wear one, for the past 21 years) through their insurance
>program, which is with GMAC and have had a very good working
>relationship with them on claims in the past and I am satisfied with
>their rates, compared to other insurers in this state. I believe that
>GMAC also offers insurance through Camping World.
>
>Just be sure you are not comparing apples, to oranges when asking for
>insurance rate comparisons, especially from state to state.
>
>
>"REMEMBER SEPTEMBER 11, 2001"
>John Finn
>'82 35FCRB
>BLUEBIRD WANDERLODGE
>TO VISIT THE "FINN'S INN EXPRESS" REMODELING ADVENTURE
>GO TO;
><http://www.pbase.com/image/24977457>http://www.pbase.com/image/24977457
>'66 SUPERIOR / IH 392 GAS V8 32' PUSHER "FOR SALE"
>SEE THE OLD COACH AT:
><http://www.pbase.com/image/26052733>http://www.pbase.com/image/26052733
>HOPKINS, SOUTH CAROLINA
>
>//////////////////////////////////////
>
>--- In WanderlodgeForum@yahoogroups.com, "Bob Lawrence"
> wrote:
> > I dunno...what do you pay?
> > Bob Lawrence
> > 84 PT36 (Whirlybird)
> > Tacoma, Wa
> >
> > > Hi All
> > > We are wondering if anyone has a better deal on insurance than we
> > > have, it seems ours keeps going up with no accidents or citations.
> > We
> > > are with State Farm and have been for about 60 years.
> > > Dick & Carolyn Sevey 83 fc 33 Pahrump, Nv.
>
>
>
>
>----------
>Yahoo! Groups Links
> * To visit your group on the web, go to:
> *
>
<http://groups.yahoo.com/group/WanderlodgeForum/>http://groups.yahoo.com/group/W\
anderlodgeForum/
>
> *
> * To unsubscribe from this group, send an email to:
> *
>
Wanderl\
odgeForum-unsubscribe@yahoogroups.com
>
> *
> * Your use of Yahoo! Groups is subject to the
> <http://docs.yahoo.com/info/terms/>Yahoo! Terms of Service.

[jon lechich]

Ok I still would like to know why one insurance company can charge so much more
for a policy than another. My driving record was the same, I live in the same
area and my information I gave them when I applied was same. I still have the
same amount of insurance but its almost a $1000 dollars difference. The
insurance company I have now is GMAC. Jon

Tom Warner wrote: John actually setting insurance rates
for an individual is a rather
complicated procedure. Two people living on the same street driving the
same motorhome and insured wtih the same company may pay widely differening
rates.
Now they not only take into consideration accidents and speeding tickets,
but your credit rating. The credit rating FICO number seems to be a big
factor now.

I am insured with Progressive and have $300K $500K liability, collision
full glass with a $1M umbrella policy and its $503.

tom
1982 FC35
Vernon Center,NY

At 08:36 AM 5/25/2005 +0000, you wrote:
>This topic seems to come up every so often on these forums and a lot
>of well meaning replies are given, but one thing that doesn't seem to
>be mentioned is, that insurance rates are very sensitive to where you
>live, even within a given state, so comparing the rates that one pays
>in one state to where another individual lives, or as the insurance
>people like to say, where the insured vehicle is garaged, is almost
>useless for comparison purposes.
>
>To give you an example for instance, here in the state of South
>Carolina, one of the most expensive insurance states, thanks to our
>legislature and a lot of uninsured motorist, the insurance rates vary
>depending on what county that you live in. I live six miles outside of
>the greater metropolitan area of Columbia, SC the state capital and I
>pay the same rate as if I were living in downtown Columbia, just
>because I live in the same county. I can go about 100 miles from here
>and cross the Georgia state line and get a substantial savings, if I
>lived there.
>
>When I had my business and I was on the road for almost 90% of the
>time and hardly ever traveled within the state of South Carolina,
>other than to leave from and return to home, I still had to pay the
>same rate. the cost of commercial insurance for that vehicle was a
>major factor in my decision to retire completely from that business
>and close it down after over thirty years.
>
>Since I am a lifetime member of the Good Sam club, I have all six of
>my vehicles insured, with the exception of my Motorcycle (they don't
>offer it here because of the no helmet required law, even though I
>always wear one, for the past 21 years) through their insurance
>program, which is with GMAC and have had a very good working
>relationship with them on claims in the past and I am satisfied with
>their rates, compared to other insurers in this state. I believe that
>GMAC also offers insurance through Camping World.
>
>Just be sure you are not comparing apples, to oranges when asking for
>insurance rate comparisons, especially from state to state.
>
>
>"REMEMBER SEPTEMBER 11, 2001"
>John Finn
>'82 35FCRB
>BLUEBIRD WANDERLODGE
>TO VISIT THE "FINN'S INN EXPRESS" REMODELING ADVENTURE
>GO TO;
>http://www.pbase.com/image/24977457
>'66 SUPERIOR / IH 392 GAS V8 32' PUSHER "FOR SALE"
>SEE THE OLD COACH AT:
>http://www.pbase.com/image/26052733
>HOPKINS, SOUTH CAROLINA
>
>//////////////////////////////////////
>
>--- In WanderlodgeForum@yahoogroups.com, "Bob Lawrence"
> wrote:
> > I dunno...what do you pay?
> > Bob Lawrence
> > 84 PT36 (Whirlybird)
> > Tacoma, Wa
> >
> > > Hi All
> > > We are wondering if anyone has a better deal on insurance than we
> > > have, it seems ours keeps going up with no accidents or citations.
> > We
> > > are with State Farm and have been for about 60 years.
> > > Dick & Carolyn Sevey 83 fc 33 Pahrump, Nv.
>
>
>
>
>----------
>Yahoo! Groups Links
> * To visit your group on the web, go to:
> *
> http://groups.yahoo.com/group/WanderlodgeForum/
>
> *
> * To unsubscribe from this group, send an email to:
> *
> WanderlodgeForum-unsubscribe@yahoogroups.com
>
> *
> * Your use of Yahoo! Groups is subject to the
> Yahoo! Terms of Service.






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One of my favorite sayings goes! "You never own anything, everything owns you!"




__________________________________________________
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http://mail.yahoo.com

[Non-text portions of this message have been removed]

[Jon]

I just got of the hoke with my Insurance agent and if the price of fuel
isn't high enough the insurance rates are going up! I had to decide
whether to keep comp on my rig or just or go with the Liability. I
chose the liability as it is only $65 dollars for six months or 489
dollars with comp. Not to much to think about here. It seems that these
insurance companies want to insure these big rigs as if they were new.
By that I mean their cost figure is made up of what it cost when new.
Boy now I should have gone with that high figure and had a slight
explosion in my motor home. But I know when an adjuster came out they
would only give me what I paid for it, I'm sure of that. Well anyway
still looking for a cheaper insurance for the comp and if anyone has
any input please add any remarks. JON

PS Just wandering what a person with a newer rig would haft to pay?

Jon
Rebel Bird
Bremerton Washington

[al g]

hi Jon and all,

newbie poster and no BB
just an admirer.

anwho, we just went from a MH to a 5ver (7W) a couple of months ago
as we prepared to change gears and go fulltiming. as of a couple of
days ago, we are now house-free and loving it!!!

if you're full timing, the only insurance companies that I've been
able to identify are Progressive, GMAC, and Explorer RV (actually
Explorer is an insurance agency and I believe most of their policies
are underwritten by National (National Interstate, i believe).

found only one positive comment from a person who filed a claim with
Explorer/National the person was happy with the settlement on a
vandelism claim on a DP MH, and the quick appearance of the
settlement check. I haven't found anything negative about them from
searching the yahoo groups and the web.

from same searches, I had no problem finding negative things from RV
owners about GMAC and Progressive and couldn't find anything positive
about them.

One thing I did stumble across is that National evidently writes (or
wrote) a lot of commercial policies for 90+ years, including school
buses, mid and large trucks... so they might really be favorable to
BB's.

Explorer/National on an annualized basis, was just about half on the
preminum costs for the same coverage compared to GMAC and
Progressive. (their quote was for a 12 month period vs. the 6 month
for Progressive and GMAC). I think we're hesistant to jump to them
only because the quote was soo low (fickle at times aren't
we...) We still haven't made a decision (will within the week) on
which one we go with.

http://www.explorerrv.com/

I don't have any affiliation with any of these companies.

if anyone out there has had any experience (claims) with any of these
companies or any others insurers that would be nice to hear.



A non-related comment. This is one GREAT GROUP.
I really like seeing all the questions and varied responses each day.
Maybe some day we'll be BB's too but meanwhile, I'll just sit on the
side lines and learn the wealth that is shared here daily about RVing
in general and BB's in particular.

peace,
Al (& rita)


--- In WanderlodgeForum@yahoogroups.com, "Jon" wrote:
>
> I just got of the hoke with my Insurance agent and if the price of
fuel
> isn't high enough the insurance rates are going up! I had to decide
> whether to keep comp on my rig or just or go with the Liability. I
> chose the liability as it is only $65 dollars for six months or 489
> dollars with comp. Not to much to think about here. It seems that
these
> insurance companies want to insure these big rigs as if they were
new.
> By that I mean their cost figure is made up of what it cost when
new.
> Boy now I should have gone with that high figure and had a slight
> explosion in my motor home. But I know when an adjuster came out
they
> would only give me what I paid for it, I'm sure of that. Well
anyway
> still looking for a cheaper insurance for the comp and if anyone
has
> any input please add any remarks. JON
>
> PS Just wandering what a person with a newer rig would haft to pay?
>
> Jon
> Rebel Bird
> Bremerton Washington
>

[krminyl@...]

I have full coverage on my 86 PT through Progressive Insurance, and it's
around $500/yr (300/500 coverage, 1k deductible (disappearing, will be zero
after 5yrs of no claims-2 more yrs left).

One of our members had a serious crash in his BB, somewhere near 50k in
damage in his 1986 (?), and Progressive paid everything without much hassle.

I'm sure we'll hear from him...


Kevin McKeown
Yorba Linda, CA
1986 38' PT


[Non-text portions of this message have been removed]