auto insurance July 28, 2005, 05:59:21 pm Yahoo Message Number: 56194We've insured our LD with Progressive through RV America. When I've inquired about insuring a car through Progressive, I've gotten quotes of nearly double what I'm paying to cover the LD for a car that's worth one fourth of what the LD is worth. Anyone know a company with good rates that will insure our car while we full time i.e. have no permanent address?Kent
Re: auto insurance Reply #1 – July 28, 2005, 10:18:39 pm Yahoo Message Number: 56208"When I've inquired about insuring a car through Progressive, I've gotten quotes of nearly double what I'm paying to cover the LD for a car that's worth one fourth of what the LD is worth." As I found out recently when I got fulltimers insurance, insurance rates are not just based on the value of the vehicle. Insurance companies also factor in (rather heavily!) the distance driven. Not unreasonably, they figure that every mile you drive exposes your vehicle to the risk of an accident. RVs are driven an average of 6,00 miles a year; for cars, it's more than twice that. Put it this way: if you were to upgrade your RV insurance to fulltimer's coverage, you'd see the price jump quite a bit--not because your RV was suddenly worth more, but because the insurance company knows fulltimers that put more miles on their vehicles. This may not account for all of the disparity you observed, but it probably has a lot to do with it. In my case, my insurance company didn't even want to insure my rig unless I also owned a car! As the agent explained to me, they didn't want me running to the store for a quart of milk in my RV, because that would mean a greatly increased risk of accidents. I had to tell them that I was planning to carry a bicycle and to rent a car when needed before they made an exception for me. I've spoken with others who ran into the same problem with different insurers.Andy Baird
Re: auto insurance Reply #2 – July 28, 2005, 10:22:29 pm Yahoo Message Number: 56210"RVs are driven an average of 6,00 miles a year; for cars, it's more than twice that. "Sorry, that was meant to read '6,000 miles'!Andy Baird
auto insurance Reply #3 – July 29, 2005, 10:42:14 am Yahoo Message Number: 56227QuoteAnyone know a company with good rates that will insure our car while we full time i.e. have no permanent address?Kent Kent, we have fulltimers insurance with National Interstate through AON (used to be RV Alliance America). National Interstate will insure both the RV and the toad. You don't say what state you're using as a domicile, and since all insurance companies aren't licensed in all states, I don't know if National Interstate sell insurance where ever it is you are registered. However, you might want to give AON a call to find out.Linda Hylton2004 Red 23.5' TKFrom Pit River Campground (BLM) See where we are: http://map.datastormusers.com/user2.cfm?user=1167
auto insurance Reply #4 – July 29, 2005, 11:11:57 am Yahoo Message Number: 56232QuoteIn my case, my insurance company didn't even want to insure my rig unless I also owned a car! Although I've heard this before, we were never asked whether or not we had a car when we got fulltimers insurance for our LD (AON/National Interstate).Linda Hylton2004 Red 23.5' TKFrom Pit River Campground (BLM) See where we are: http://map.datastormusers.com/user2.cfm?user=1167
Topic: auto insurance (Read 3 times)
previous topic - next topic
Topic: auto insurance (Read 3 times)
previous topic - next topic