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11-18-2014, 06:31 PM
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#1
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Member
Join Date: May 2014
Posts: 47
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Which RV Insurance is best
 Which RV insurance is the best??? We currently have Allstate but don't think we are getting enough bang for our buck, so to speak. Talked to Good Sam about their insurance they gave us a quote from Allied Insurance but they have terrible reviews. Need advice!!!!
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2014 36RL, 2012 F350
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11-18-2014, 08:31 PM
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#2
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Senior Member
Join Date: Sep 2014
Posts: 119
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I have Progressive for the past 11 years. I've really had no issues with them.
-Jack
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2016 Ram 3500 DRW Laramie Longhorn
2014 RW 38RE
USN Retired
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11-18-2014, 09:03 PM
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#3
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Site Team
Join Date: Jan 2012
Posts: 5,407
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I went through all the insurance companies last spring and ended up getting State Farm. I think it was around $700 per year.
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SOB "The RV Wiseguy"
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11-18-2014, 09:10 PM
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#4
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Senior Member
Join Date: Sep 2014
Posts: 119
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That is quite a bit less than what I'm paying (>$1K/year)! I think a phone call to State Farm is in order.
Thanks Dave.
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2016 Ram 3500 DRW Laramie Longhorn
2014 RW 38RE
USN Retired
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11-18-2014, 09:15 PM
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#5
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Senior Member
Join Date: Jul 2013
Posts: 2,054
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Depends on your locale, your record, your credit score, etc....
too many variables to list...
a buddy can list his address as the little town next to us, but I have to list it as the big city...
his insurance is 1/2 what mine is .... I'm lumped in with all the O voters 
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Ours: '11 Monaco Diplomat 43DFT followed closely by '14 Jeep 4 dr Wrangler.
Hers: '13 Explorer Sport - AWD 365hp twin turbo scooter!
Previous: '13 Ford F350 CC Platinum and '13 38GK
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11-18-2014, 09:56 PM
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#6
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Senior Member
Join Date: Feb 2013
Posts: 7,101
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Quote:
Originally Posted by csb
Which RV insurance is the best??? We currently have Allstate but don't think we are getting enough bang for our buck, so to speak. Talked to Good Sam about their insurance they gave us a quote from Allied Insurance but they have terrible reviews. Need advice!!!! |
Allstate really jumped up on us this month! Maybe all the hail claims....
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Brad & Dory - Lone Tree, CO
CURRENT - 2013 Itasca Meridian 42E/2013 Wrangler 4dr Sahara
SOLD - 2014 Redwood 36RL/2014 F350 DRW
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11-18-2014, 10:02 PM
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#7
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Senior Member
Join Date: Feb 2013
Posts: 1,092
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Insurance is a wild game, as mentioned before there are many variables which will impact the price you pay. In addition you need to compare apples to apples, make sure you get quotes for the same coverage, a challenge cause one company will call a category one thing while a different company calls the same coverage by a different name.
Some companies don't cover some states, we had BlueSky in Georgia and had a rate increase when we changed to Florida residency.
This is one area you have to stay on top of, check different carriers when you know your annual premium is nearing, the insurance companies are not loyal to me, I'm not loyal to them!!
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SOB
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11-18-2014, 10:53 PM
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#8
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Senior Member
Join Date: Mar 2014
Posts: 429
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We had Blue Sky the first year and the premium went way up. Ended up with Allied, a Nationwide Ins Company, for $616. Roadside is not that great, so went with Good Sam roadside.
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2014 38GK, disc brakes, MorRyde SRE 4000, 2-Yamaha 2000 gennys, G14's, dual awnings, Progressive EMS.
2014 Ram 3500 Laramie Longhorn DRW with Luverne Bull Bar and skid plate.
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11-18-2014, 11:44 PM
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#9
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Senior Member
Join Date: Mar 2014
Posts: 130
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We had Allstate for everything until last year and finally shopped our policies.
Went with AARP through the Hartford for more coverage 1/2 the price!!!!!
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Eddie & Toni
2 Bichons - Allie & Katie
2014 38RE
2014 Chevy Silverado 3500 Dually Duramax
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11-19-2014, 04:11 AM
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#10
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Site Team
Join Date: Jan 2012
Posts: 5,407
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I hate buying insurance......Last spring I spent the better part of 2 weeks researching insurance for our business and home use.
I was surprised that State Farm came through as the best deal. I dropped them several years ago due to pricing. This time even after buying 2 umbrellas (one for personal use and one for business) they still ended up saving me over 3k a year.
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SOB "The RV Wiseguy"
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11-19-2014, 04:32 AM
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#11
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Senior Member
Join Date: Nov 2014
Posts: 363
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Insurance
Like many have already mentioned, there are a lot of variables that can play a part in insurance. I have made it a practice to get quotes from several insurance companies each year. From this I will know if my present insurance has good coverage at the best price.
I was with Progressive for nearly 11 years, but they kept raising rates, stating the rate hikes were due to many claims in my area.
I'm now with GEICO, and very pleased with their coverage and prices.
I would highly recommend just shopping around, ensuring you are comparing apples to apples.
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Dan & Connie
2021 Chevy Silverado High Country Dually
2017 RW390
2015 Polaris RZR 900
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11-20-2014, 01:46 AM
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#12
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Senior Member
Join Date: May 2014
Posts: 326
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We have State Farm too, but have All State for our RW in place of what is normally covered with the Redwood Guarantee. It was 2500.00 and will cover our RV for 7 years with only a 50.00 deductable! We are so glad we have it because so far things that had to be replaced and repaired has cost 1200.00 and we have owned our RW for 5 months and it was owned for 5 months prior to that.
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John & Eileen
2013 Redwood 36RL 2013 Ford 350 Diesel Lariat
Pittsboro, IN
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11-20-2014, 05:35 AM
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#13
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Senior Member
Join Date: May 2013
Posts: 500
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We've had State Farm on everything for 30+ yrs. They've always been fair and seemed to be cheaper, against anything I've read or heard.
Mark
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2013 36RE, 2008 GMC 3500CC DRW
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11-20-2014, 08:33 AM
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#14
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Senior Member
Join Date: Jan 2012
Posts: 506
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If your fulltime you may want to check with Americas Mailbox. Through them we ended up with National. Our coverage also includes the contents. If your fulltime make sure your insurance company covers you.
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Dean & Pam - SOB
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11-20-2014, 02:14 PM
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#15
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Senior Member
Join Date: May 2014
Posts: 326
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We have two policies one with State Farm that covers accidents and basically the same things your car insurance covers. It has a depreciation coverage as far as accident replacement. Then we have insurance that covers anything that might break such as refrigerator, heat pump, equalizer and more. If yours is new and not used and still under the two year warranty you can wait to get that policy, but it is one I wouldn't be without after the two years are up.
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John & Eileen
2013 Redwood 36RL 2013 Ford 350 Diesel Lariat
Pittsboro, IN
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11-21-2014, 03:14 AM
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#16
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Senior Member
Join Date: Jan 2012
Posts: 567
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We have Progressive and they have been outstanding regarding claims submitted, couldn't ask for a better insurance company. Our cost is approximately 950 per year.
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John and "Sam"
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11-21-2014, 11:10 AM
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#17
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Senior Member
Join Date: Nov 2013
Posts: 302
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We have Good Sam's for the Redwood and Ford F-450.
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2012 Ford F450 Lariat, 2013 Redwood 36FB
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11-21-2014, 11:55 AM
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#18
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Senior Member
Join Date: May 2014
Posts: 486
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I have Kentucky Farm Bureau, at the rate of around 600/year. I'm not sure if they offer insurance to anyone but Kentucky residents, but if they do, it's a great company.
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2013 Dodge Ram 3500 DRW 6.7 Cummins
2017 SOB
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