fiberglass trailer discount on insurance - Page 2 - Escape Trailer Owners Community

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Old 03-04-2016, 01:08 PM   #11
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Quote:
Originally Posted by M.W.Deters View Post
Hi Tonny,
I have TLR: $1,000 deductible, Collision:$1,000 deductible, Mexico coverage, F.D.: $1,000, Emergency expense:$750, Vacation liability $10,000. Personal effects as well. I purchased through the website. I too was very surprised at the disparity between companies. This is legit, not a quote but an issued policy 2/8/16-2/7/17.
Mark
Hi: M.W.Deters... We have a similar policy but with one exception. They won't cover anything that we put in a claim for!!! Alf
escape artist N.S. of Lake Erie
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Old 03-04-2016, 01:16 PM   #12
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I talked to State Farm [of Texas] to get more detail. The fiberglass discount is new for them, within the last 30 days. The 20% discount applies to the Comp portion of the plan. They said the discount was because fiberglass trailers were easier to repair and almost never had water leaks. Makes sense to me.

Another thing to check when you get a quote is are they giving you a six month quote or a 1 year quote. Presently State Farm quotes are for one year but in the past [with my Casita] their quotes were for six months. If you hear a number that sounds too low, it could be for six months coverage.

As several have noted above, there are lots of variables and it is hard to compare what you pay to what some one else pays. The deductible can be set from $100 to $1000 on comp and/or collision which makes a BIG difference in your premium. Also, are personal contents covered.... the list goes on.
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Old 03-04-2016, 02:53 PM   #13
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I appreciated your info and also thought this was a forum for discussion - made me want to go look up my insurance and see if there's a special line item for fiberglass discount. Although the insurance on my trailer is quite cheap already ($975 for truck+trailer), it looks like I only have an "RV multi-vehicle" discount.
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Old 03-04-2016, 03:01 PM   #14
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Carry on. Discuss insurance, but without details, you won't learn much.
Is your trailer covered for 'full replacement' ( ie. they buy you a new trailer ) or do they pay out some depreciated value they determine? It makes a difference.
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Old 03-04-2016, 03:07 PM   #15
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fiberglass trailer discount on insurance

Glenn is right this time (hope he doesn't read this) just stating the cost of your insurance with none of the details means nothing.
It's those darn details that they charge you more for.

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Old 03-04-2016, 03:18 PM   #16
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My insurance last year was $251 plus another $90 for plate and liability.
Full disclosure:
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File Type: jpg Insurance.jpg (169.7 KB, 51 views)
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Old 03-04-2016, 03:26 PM   #17
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While comparisons of total insurance premium are pointless without all of the details - including information that most would not likely share in the forum such as residential address and driving record - this relative difference for fiberglass is interesting.

If nothing else, it suggests that when buying insurance for an Escape one might want to ask the insurance representative if the fact that the trailer is made of fiberglass has been considered. Given the existence of the K-Z Spree Escape line (which has an aluminum roof), they might not even clearly understand what trailer they are insuring.

Quote:
Originally Posted by thumper-tx View Post
I talked to State Farm [of Texas] to get more detail. The fiberglass discount is new for them, within the last 30 days. The 20% discount applies to the Comp portion of the plan. They said the discount was because fiberglass trailers were easier to repair and almost never had water leaks. Makes sense to me.
That makes sense to me, too. I suspect that they mean any fiberglass exterior layer, not just an Escape-style moulded shell. To their list in some areas I would add that fiberglass (moulded or Filon-style wall cladding) is less susceptible to damage by hail than the traditional alternative (which is the aluminum cladding, often multiple panels of siding with joints, that is now relatively uncommon).
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Old 03-04-2016, 03:39 PM   #18
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Quote:
Originally Posted by gbaglo View Post
Carry on. Discuss insurance, but without details, you won't learn much.
Is your trailer covered for 'full replacement' ( ie. they buy you a new trailer ) or do they pay out some depreciated value they determine? It makes a difference.
I worked as an insurance agent for 3 years - I understand how insurance works. I'm not interested in sharing the details of my policy, as I know how much pricing varies from person to person, and with my and my wife's ages being approximately 30 years younger than the average member of this forum, our premiums will be in no way comparable.

I was simply intrigued about a 'fiberglass discount' - because it's interesting.
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Old 03-04-2016, 04:41 PM   #19
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My additional coverage is not $90; it's Basic ( $26 ), Third Party Liability - $3,000,000 ( $28 ) and the tag ( $23 ) for a total of $77.
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Old 03-04-2016, 04:58 PM   #20
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I could not pass up commenting on this topic. I was proud to see a MA guy recommend the best company for insurance Yes, there premium are high but the level of service is top touch I worked for them for 15 yrs as an adjuster, and regret leaving them. I pay whatever premium they change for rental properties home and rv because you get service. Just my two cents worth which is worth nothing!
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