fiberglass trailer discount on insurance - Escape Trailer Owners Community

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Old 03-03-2016, 10:47 PM   #1
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fiberglass trailer discount on insurance

I went in today to arrange the insurance on our soon to be picked up 21 and was told that under the new State Farm guidelines, fiberglass trailers get a 20% discount off of their regular trailer rates. Has anyone else heard this from their insurance carriers?
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Old 03-04-2016, 01:25 AM   #2
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We were very pleased with the rates from Progressive for our new 21. Roughly $185.00 for the year. No mention of fiberglass discounts. There seems to be quite a wide range in premiums for RVs. Roadside assistance was $10.00 additional for the year.
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Old 03-04-2016, 01:41 AM   #3
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The insurance premium you pay will be influenced by your coverage, your claims record, where you live, where you keep the trailer and even your credit score.
So, discussion of the cost of insurance is a waste of time unless we have all the details. And even then, I wonder.
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Old 03-04-2016, 02:20 AM   #4
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This is a forum correct? This is a place to exchange information correct? I simply offered my actual experience as a reference for others. Lighten up!
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Old 03-04-2016, 02:42 AM   #5
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After I got Road Side Service through Amica I found there was a $100 max they would pay out per occurrence.
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Old 03-04-2016, 08:11 AM   #6
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baglo is correct, in that just about any two of us can go to the same company for the same coverage on the same vehicle, and get different rates. Plus, the coverage that suits one person might differ to the next.

I set up a policy to cover replacement cost of the trailer, the full value to replace it with new. I make certain all contents are covered, and that we are covered for emergency meals and lodging. That's about it, and that cost me about $250 CAD through Aviva.

I have never heard of a reduction in rates for a moulded fibreglass trailer, but it does make sense. They have a WAY better chance of surviving many kinds of destruction to them, whether bad weather (hail), bumps and bruises, to accidents on the road.

I wonder how many of us just never actually tell the broker that we in fact own a moulded fibreglass trailer, and instead just give the year, make and model when getting a quote. Might be something to at least inquire about when looking.
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Old 03-04-2016, 09:40 AM   #7
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Hello M.W. Deters,
You got a bargain. I am insured with the same company, but my rate is $715 for a year with one year no claim discount. I knew that there is a difference in rate based on location. But $500 premium difference is unbeliveable. Lets compare the coverage: I have comprehensive (total loss replacement) with $250 deductible, collison with $2,500 deductible, Replacement cost personal effects $3000 with $100 deductible and also have fire department service and emergency expense. Thanks.

Tonny LR
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Old 03-04-2016, 11:08 AM   #8
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Quote:
Originally Posted by thumper-tx View Post
I went in today to arrange the insurance on our soon to be picked up 21 and was told that under the new State Farm guidelines, fiberglass trailers get a 20% discount off of their regular trailer rates. Has anyone else heard this from their insurance carriers?
state farm indicated similar rate to this buyer when considering various trailers for purchase...state farm specifically asked prior to giving a quote if it was a molded fiberglass trailer...mentioned that in some cases they were repairable versus other types they considered non-repairable..possibly meaning other types were a total loss in most cases.
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Old 03-04-2016, 11:16 AM   #9
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Quote:
Originally Posted by Tonny LR View Post
Hello M.W. Deters,
You got a bargain. I am insured with the same company, but my rate is $715 for a year with one year no claim discount. I knew that there is a difference in rate based on location. But $500 premium difference is unbeliveable. Lets compare the coverage: I have comprehensive (total loss replacement) with $250 deductible, collison with $2,500 deductible, Replacement cost personal effects $3000 with $100 deductible and also have fire department service and emergency expense. Thanks.

Tonny LR
And, that's what I'm talking about. The details.
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Old 03-04-2016, 11:22 AM   #10
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Quote:
Originally Posted by Tonny LR View Post
Hello M.W. Deters,
You got a bargain. I am insured with the same company, but my rate is $715 for a year with one year no claim discount. I knew that there is a difference in rate based on location. But $500 premium difference is unbeliveable. Lets compare the coverage: I have comprehensive (total loss replacement) with $250 deductible, collison with $2,500 deductible, Replacement cost personal effects $3000 with $100 deductible and also have fire department service and emergency expense. Thanks.

Tonny LR
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
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