Let's Talk Insurance Rates... - Dutchmen Owners

Go Back   Dutchmen Owners > Dutchmen Brand RVs > Toy Hauler
Click Here to Login
Reply
 
Thread Tools Display Modes
 
Old 09-20-2015, 08:27 PM   #1
Senior Member
 
ATCguy's Avatar
 
Join Date: May 2013
Location: Somewhere on the road...
Posts: 1,312
Wyoming
Let's Talk Insurance Rates...

First off, I selected the Toy Hauler thread to place this, as I figure the numbers we Voltage owners have should all be comparative.

It's almost time for me to renew my rig's insurance, and I'm thinking about shopping around a bit before I do. All of my assets are currently covered by State Farm (truck, RV, motorcycle)... as they were my best option a few years ago when I also owned another truck, 4 more motorcycles, and a house. Now that I've downsized considerably, and gone fulltime in the RV... I think I may be able to get better rates elsewhere.

That said, better rates aren't necessarily 'better' if the service isn't good. So obviously, I'm looking for the best combo of the 2.

I'm paying a bank loan on my rig, so I'm required to carry full coverage on it for anything that should happen to it when not being pulled down the highway by my truck.

State Farm issues policies in 6-month increments... and the current policy I have on the RV contains a $500 collision deductible, and a $250 non-collision deductable. To date, I've never had to use it... and as such, my 6-month rate is $453.00.

Now maybe it's just me, but I think $900/year is a tad high... and I'm wondering if I'm right?

Anyone care to chime in with who you're with...
...what's your rate?
...how's their service (if you've had a claim)?

Thanks...
__________________

__________________
Tom
2013 VOLTAGE 3200 (EPIC I & II)
2014 Ford F-450 PLATINUM
2017 BMW R1200GS Rallye
ATCguy is offline   Reply With Quote
Old 09-20-2015, 10:38 PM   #2
Senior Member
 
thompwil's Avatar
 
Join Date: Aug 2015
Location: Lancaster
Posts: 263
Pennsylvania
I switched carriers 18 months ago, had Allstate and went with Geico. Cost for six months for the 2015 Voltage 3305 is 192.65. The coverage is much better as well. Coverage includes RV medical, Emergency expenses, Replacement of personal property, and vacation liability. When parked in a campground I'm covered within a 25 foot radius of the unit for all these things. Deductibles of 500 collision, 100 comp. I hate to sound like a commercial but I saved close to 700 bucks a year on the car, truck and toy hauler.
__________________

__________________

2015 Voltage 3305, Gone for Good !
2014 Ram 3500 dually, Aisin, Gone but not Forgotten.
2018 Winnebago Sunstar 32YE
thompwil is offline   Reply With Quote
Old 09-20-2015, 11:34 PM   #3
Member
 
Join Date: May 2015
Location: elkton
Posts: 40
Maryland
I had state farm 20+ years went with Geico same as Thompwil on coverage I pay 198.00 every 6 months and we have a 2016 3605,
bill_covert is offline   Reply With Quote
Old 09-21-2015, 12:52 AM   #4
Senior Member
 
Join Date: Sep 2014
Location: Callaway
Posts: 864
Maryland
Tom,

Don't forget you are full time now...you need to adjust insurance as such...of course as I say that, I need to do the same thing. I currently pay bout $1200 with USAA ($600 every 6 months). Now that we are in MD, I am starting to seriously shop around for insurance. As a full timer, some insurance covers items in storage, while other treat
As stick and brick homes...I will be checking in to Explorer, Geico, Progressive, and another (the name escapes me right now...). I will post what I get for quotes, though it will be over the next couple weeks.

Cale
__________________
TV: 2015 F-350 DRW, CC, 4x4, with 14k GVWR package, 98 gallon TransferFlow Aux Tank, Timbren Shocks

TH: 2014 Voltage 3950, Sailun S637 all around
calewjohnson is offline   Reply With Quote
Old 09-21-2015, 03:59 AM   #5
Senior Member
 
Join Date: May 2015
Location: Oxnard
Posts: 188
California
We have AAA and pay about $400 a year so yes that does sound high
__________________
2015 Voltage 3800 w/ Epic, Int&Ext, Garage Pkgs; 4x100W Solar, Xantrex C35 Charge, SW2000 Inverter & Mon; 2005 Chevy Duramax Dually 3500 w/Banks; Kawi KFX700 & Polaris Scrambler 500 ATVs.
VCToyhauler is offline   Reply With Quote
Old 09-21-2015, 05:38 AM   #6
Senior Member
 
Join Date: Feb 2014
Location: Tucson
Posts: 756
Arizona
I'm with Farmers and a dear friend is my agent. My house, cars, toys, Voltage, are all on one policy. A couple of months ago wife and I had a sit down with him and reviewed our overall coverage. He actually increased our coverages and reduced the rate we pay. I'm a happy camper. Give your SF agent a chance to give you better coverage before you leave.
__________________
2014 Voltage 3600
2013 Chevy 3500 CC DRW
2011 Harley Ultra Limited 2016 RZR 900
azdryheat is offline   Reply With Quote
Old 09-21-2015, 02:27 PM   #7
Member
 
Redtail cruiser's Avatar
 
Join Date: Sep 2015
Location: San Diego
Posts: 38
California
Also keep in mind that insurance rates are based on location and are dramatically different from state to state. Some friends recently moved from Florida to California and their rate was cut by nearly half with the same carrier.
__________________
Tim

Now- '07 Trailmanor 2720. Soon- Lance 1985
TV- '13 F150 Lariat Supercrew 4X4 Ecoboost w/ MaxTow Pkg
Redtail cruiser is offline   Reply With Quote
Old 09-21-2015, 03:32 PM   #8
Senior Member
 
Join Date: Jan 2015
Location: Roselle
Posts: 1,163
Illinois
We live in a Chicago suburb (25 miles out) in DuPage County. Went thru Good Sam, who brokered it out to General Interstate. $815 a year, insured for replacement on $81,000 unit, $500 deductible on collision and $100 on comprehensive. Includes a $3,000 rider for personal possessions not specifically covered in the policy, as well as vacation interruption insurance. I did learn today though that despite the truck (2015 Platinum Ford F350 dually) being insured thru Good Sam ($550 a year) (but brokered out to a different carrier, National General), I would have to pay two separate deductibles if I had an incident. Not the case if both are insured thru same carrier. Something to keep in mind.
Rusty
__________________
2015 Black F-350 Platinum Diesel Dually Crew Cab
2019 Riverstone Legacy 38MB (Full Paint/All Options)
2015 Voltage 3990 (Full Paint, All Options) Sold 6/18
2005 Harley Ultra Classic w/too many miles
lcv800 is online now   Reply With Quote
Old 09-21-2015, 10:16 PM   #9
New Member
 
Join Date: Sep 2015
Location: Thomaston
Posts: 9
Georgia
Have you looked at Blue Sky. I had them when we had the motorhome. Drove off in the ditch in front of the house had do problem with them paying the 10k. They specialize in RV insurance. The are doing auto now as well. If both are insured with them and damage is from same incident you pay one dedcutable
__________________
Hugh Turner
No Trailer right now
TV 1990 F 250 turbo diesel
hturner12 is offline   Reply With Quote
Old 09-21-2015, 10:41 PM   #10
Senior Member
 
HornedToad's Avatar
 
Join Date: Mar 2014
Location: Midland
Posts: 606
Texas
As cruiser said insurance pricing is territorial and varies by state and even between rural & metro areas with the same state. Also with all the variables companies use in their rate matrix (credit history, age, marital status, claims history, prior insurance, home ownership, ect...) it would even be hard to compare pricing between individuals in the same zip code.

The best way to find the right price / company for you is to shop around...

ATCguy, you may be able to find a better price than State Farm , but not a better company!!!

Cut & Paste from a my post last year on another site...

RV Insurance Basics

Usually the most affordable option for insuring an RV is to endorse it on your existing auto insurance. The Personal Auto Policy automatically extends the vehicle liability from the pulling unit to a trailer for liability arising out of an auto accident. The additional cost to add a trailer to your auto policy is for the Comprehensive (OTC) and Collision to cover damage to the trailer. You should also pay any extra premium and include contents coverage to get both awnings and antennas covered, that are excluded in the basic auto policy, and to have coverage for any other contents with a lower deductible than on your HO policy.

TEXAS PERSONAL AUTO POLICY
Exclusions
We will not pay for:
When in or upon any trailer, loss to:
a. TV antennas;
b. awnings or cabanas;

For reference I've quoted Texas policy terms in Italics. While insurance coverage and policies will vary by state and by company, most should be similar to what is outlined above.

If while backing your trailer you drive over another parties foot, that is an auto accident covered by your auto policy. When you unhook your auto liability stops.

The Comprehensive Personal Liability on your homeowners policy includes premises liability and no fault guest medical coverage that also cover acts of the insured, family members & pets arising away from the premises... out in your RV.

While setting up if you lower your jacks breaking another parties foot, your homeowners would pay their medical expenses up to a limit of several thousand dollars without regard to fault. If they sustained serious injuries resulting from your negligence then your homeowners liability limit of up to several hundred thousand would apply. If while hiking you or a family member cause a rock slide breaking someone's foot on the trail below or if your dog ran through the campground and bit someone on the foot, your homeowners coverage would apply.

It is important that if you do not have a homeowners policy, to insure your trailer under a full timers policy with coverage for Comprehensive Personal Liability. Instead of just adding it to your auto policy that will only cover liability from an auto accident.

What value is my RV insured for, the insurance companies Limit of Liability for a loss??? You will hear many different terms used to insure RVs. What do they mean???

ACV Actual Cash Value = Cost new minus depreciation.
If your trailer is endorsed to a Personal Auto Policy the base coverage in the policy is ACV. Normally ACV would only be a consideration in the event of a total loss. On a partial loss the company would pay the amount needed to repair or replace.

STATED VALUE = The LESSER of the value stated in the policy or ACV.
Do not confuse "Stated Value" with Agreed Value as described below.
When you added your trailer to your auto policy they ask how much you paid for it. This "Stated Value" is for rating purposes, however, at time of loss they will pay the LESSER of the "Stated Value" or ACV. Overstating the value would not increase the loss settlement.

TEXAS PERSONAL AUTO POLICY
PART D - COVERAGE FOR DAMAGE TO YOUR AUTO
Limit of Liability
Our limit of liability for loss will be the lesser of the:
1. Actual cash value of the stolen or damaged property;
2. Amount necessary to repair or replace the property with other of like kind and quality; or
3. Amount stated in the Declarations of this policy.


AGREED VALUE = You and the insurance company agree to a value to be paid for a total loss. This Agreed Value would be used for example on an older high value coach that has been restored. On an older unique vehicle where an ACV would be hard to determine and restoration would place the value in excess of any comparable vehicles. Underwriting on Agreed Value policies is usually very strict in limiting the agreed amount to no more than what the vehicle is actually worth.

REPLACEMENT COST = The value to replace the unit with a comparable new vehicle. Many companies offer Replacement Cost endorsements on both cars & RVs. This endorsement modifies the ACV coverage in the base policy and it cost extra. Usually there is a limitation on time, like between 2 and 5 years after purchase that the replacement cost applies and some companies also have a percentage cap, like 110% of the original price.

Hopefully this post will help you know what questions to ask your insurance agent!!!
__________________

__________________

Mike & Helen
2014 Voltage 3895 EPIC III
2013 Ford F350 CC DRW FX4
HornedToad is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Featured Campgrounds

Reviews provided by

Disclaimer:

This website is not affiliated with or endorsed by Dutchmen RV or any of its affiliates. This is an independent, unofficial site.


All times are GMT. The time now is 11:44 AM.


Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
Copyright 2012 Social Knowledge, LLC All Rights Reserved.
×