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Old 11-18-2014, 06:31 PM   #1
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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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Old 11-18-2014, 08:31 PM   #2
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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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Old 11-18-2014, 09:03 PM   #3
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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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Old 11-18-2014, 09:10 PM   #4
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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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Old 11-18-2014, 09:15 PM   #5
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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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Old 11-18-2014, 09:56 PM   #6
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Quote:
Originally Posted by csb View Post
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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Old 11-18-2014, 10:02 PM   #7
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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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Old 11-18-2014, 10:53 PM   #8
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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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Old 11-18-2014, 11:44 PM   #9
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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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Old 11-19-2014, 04:11 AM   #10
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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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Old 11-19-2014, 04:32 AM   #11
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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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Old 11-20-2014, 01:46 AM   #12
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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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Old 11-20-2014, 05:35 AM   #13
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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.


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Old 11-20-2014, 08:33 AM   #14
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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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Old 11-20-2014, 02:14 PM   #15
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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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Old 11-21-2014, 03:14 AM   #16
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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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Old 11-21-2014, 11:10 AM   #17
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We have Good Sam's for the Redwood and Ford F-450.
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Old 11-21-2014, 11:55 AM   #18
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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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