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03-04-2016, 01:51 PM
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#1
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Senior Member
Join Date: Feb 2016
Location: SE Michigan
Posts: 1,659
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RV Insurance for my new Keystone Bullet
I'm taking delivery of my Keystone Bullet 308BHS in a few weeks and was shopping for RV insurance. My primary insurer is Geico and I just called for a quote. I couldn't believe what they quoted me. Almost $1250 every 6 months? Seriously???? I just did an online quote with Good Sam. Yearly quote was $219. Ok. Am I missing something? My driving record is squeaky clean. I'm at a loss for words with Geico's quote. Anyone have recommendations for a good RV insurer?
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03-04-2016, 02:27 PM
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#2
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Senior Member
Join Date: Jul 2015
Location: Texarkana, TX
Posts: 1,052
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That quote sounds incorrect to me... I'm insured by progressive and think it's around $900/yearly for a 37' toy hauler.
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03-04-2016, 03:11 PM
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#3
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Junior Member
Join Date: Jul 2015
Location: Caledon, ON
Posts: 10
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I am insured with Echelon and mine is around $300 for the year and I have basically the same trailer, mines a Passport 3220bhs.
Adam
2014 Passport 3220BHS
2015 F150 Eco Boost
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03-04-2016, 03:55 PM
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#4
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Senior Member
Join Date: Mar 2015
Location: Southeastern Connectiut
Posts: 1,305
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You are already insure for liability while towing on your Auto Policy. If all you're looking for is Comp/Collision, that quote seems way out of line. Try Allstate.
Bear in mind that your "Zero Deductible Glass Protection" does not apply to your camper so don't park down range of the mower $$$!
__________________
Pull Toy
Steve & Jan, Ava & Emma (Mini Schnauzers):
2016 F350 Lariat 4X4 Powerstroke CC/SB "PULLTOY V"
2013 Alpine 3535RE "MAGIC CARPET IV"
Proud Navy Vet!
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03-04-2016, 04:27 PM
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#5
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Site Team
Join Date: Feb 2014
Location: W. Texas
Posts: 17,601
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That quote can't be accurate for adding an RV to an existing policy. I think mine is $24 month? (Geico) and I get new RV replacement for 7 years if mine is totaled. You need to look into that again.
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03-04-2016, 08:39 PM
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#6
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Senior Member
Join Date: Feb 2016
Location: SE Michigan
Posts: 1,659
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I called back Geico a second time to get another quote on the same trailer. The second rep I spoke to quoted me about the same, $1220 for 6 months. This was an add-on vehicle to my current policy. I just don't get it!! I'm going to look a quotes from those companies mentioned here.
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03-04-2016, 09:15 PM
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#7
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Site Team
Join Date: Feb 2014
Location: W. Texas
Posts: 17,601
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I don't get it either. Looks like your best bet is to look elsewhere but I, and others, do not pay anything like that for our RV insurance. Heck, the rates they are quoting you are double what I pay for 3 vehicles. Something's wrong.
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03-05-2016, 02:45 AM
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#8
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Senior Member
Join Date: Mar 2011
Location: NC
Posts: 183
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When towing you are covered by your truck insurance. You only need insurance when not towing. I think mine is about $250 per year.
Bobby
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03-05-2016, 04:59 AM
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#9
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Member
Join Date: Jan 2016
Posts: 82
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Quote:
Originally Posted by busterbrown
I called back Geico a second time to get another quote on the same trailer. The second rep I spoke to quoted me about the same, $1220 for 6 months. This was an add-on vehicle to my current policy. I just don't get it!! I'm going to look a quotes from those companies mentioned here.
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Many times insurance companies are required to offer the same coverage in all areas they operate... BUT they do not wish to actually take any policies of a certain kind in certain markets... i.e. RVs in Michigan...
So they intentionally price themselves out of that market.
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03-05-2016, 06:58 AM
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#10
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Senior Member
Join Date: Feb 2016
Location: SE Michigan
Posts: 1,659
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Quote:
Originally Posted by SADLY
Many times insurance companies are required to offer the same coverage in all areas they operate... BUT they do not wish to actually take any policies of a certain kind in certain markets... i.e. RVs in Michigan...
So they intentionally price themselves out of that market.
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You're so right. I was thinking the exact same thing. The extortionately high premiums are a direct result of them not wanting to insure recreational vehicles in my state. Michigan is a no-fault state. I'm wondering if Geico competitively underwrites RV policies in traditional tort driven states???
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03-05-2016, 08:07 AM
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#11
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Senior Member
Join Date: Jun 2013
Location: Arizona
Posts: 375
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Our 36 ft Montana is covered under our auto policy for comprehensive and collision for $274 per year. Sounds like your company does not want the business.
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03-05-2016, 01:10 PM
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#12
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Site Team
Join Date: Feb 2014
Location: W. Texas
Posts: 17,601
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Same here in TX. ^^^
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03-05-2016, 02:21 PM
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#13
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Member
Join Date: Apr 2013
Location: So Cal
Posts: 95
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Insurance
Yep, found out the same thing with our car insurance. The rates were way too high for the trailer. Ended up with Progressive for about $313 a year.
__________________
2013 Ford F150 4X4 SCrew Ecoboost
2014 Cougar 28RLS
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03-05-2016, 09:45 PM
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#14
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Senior Member
Join Date: Aug 2013
Location: Oregon
Posts: 783
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Well, what the hey...I may as well chime in too! We pay $380. a year for our 5vr!
__________________
Jeff & Jan - Retired & Full-timing since 2013
2019 Ram Big Horn 3500 Aisin 4x4
2012 Alpine 3450-RL
Double Coin 235/75R-17.5/16 J rated 125lb
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03-05-2016, 10:04 PM
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#15
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Senior Member
Join Date: Aug 2012
Location: Waco, Tx
Posts: 5,456
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My Cougar is $194 every 6 months with roadside assistance, $5k personal item replacement and new replacement for 7 years with Geico.
__________________
2015 Ford F350 DRW 6.7 Diesel XL
2020 Avalanche 313 RS
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03-06-2016, 03:02 AM
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#16
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Senior Member
Join Date: Oct 2014
Location: Germantown, TN
Posts: 6,308
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Also just so you have a little more to go on, we pay $329 a year as part of our Geico coverage, and live in the Memphis area.
__________________
Jim in Memphis, Wife of 51 years is Brenda
2019 F450 6.7 Powerstroke
2018 Mobile Suites 40RSSA
2021 40' Jayco Eagle
2001 Road king w/matching Harley sidecar
2021 Yamaha X2 Wolverine 1000
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03-06-2016, 08:18 AM
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#17
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Senior Member
Join Date: Feb 2016
Location: Post Falls
Posts: 424
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I just checked with Patti and ours is $298 per year with State Farm... And all I need to do is sing "like a good neighbor, state farm is there" and our agent pops up
Yes, with rates as high as the poster is quoting it sounds as if a company does not want to cover rvs...
__________________
Rick and Patti
both now happily retired
2002 Chevrolet Silverado LT 2500 HD
8.1 / Allison / Long bed / Crew Cab
2016 Keystone Cougar 284RDB
GOOOOO MONTANA STATE UNIVERSITY BOBCATS
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03-06-2016, 08:29 AM
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#18
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Senior Member
Join Date: Sep 2013
Location: Essexville, MI
Posts: 262
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We are with State Farm also, in the $250 range per year.
__________________
2014 Passport Elite 31RE
2017 2500HD Crew Cab
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03-06-2016, 08:32 AM
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#19
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Site Team
Join Date: Mar 2011
Location: Gaylord
Posts: 26,846
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We moved from Louisiana (Napoleonic Code) to Michigan (No Fault law). Our insurance in Michigan for vehicles increased significantly. When we bought the Springdale ($18K value) State Farm did not insure RV's, GEICO was over $1000, Farm Bureau was $800 and Progressive was $220. When we upgraded to the Cougar, the rates from "nationally known auto insurance companies" was still outrageous. We stayed with Progressive (they treated us properly with the tree damage to the Springdale) and they still are the cheapest for comparable coverage in Michigan. Other states, with completely different insurance regulations do have cheaper coverage, even with automobile insurance underwriters, but in Michigan, I haven't found an "auto insurer" who beats Good Sam or Progressive.
__________________
John
2015 F250 6.7l 4x4
2014 Cougar X Lite 27RKS
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03-06-2016, 09:07 AM
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#20
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Senior Member
Join Date: Aug 2015
Location: Portland OR
Posts: 639
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300$ per Year thru Allstate for our cougar 336bhs
__________________
2014 Ram 3500 Cummins, Limited, Longbed, CC. Every option but the Aisin. Airbags.
The Toy Trifecta:
2021 Keystone Montana 3854BR all options +Onan
2021 Malibu 23 LSV
2017 Yamaha YXZ1000R SS SE
2019 Can AM Maverick X3 Turbo XRS
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