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08-11-2020, 08:46 AM
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#1
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Member
Join Date: May 2020
Location: Mt Juliet, Tennessee
Trailer: 2020 21NE
Posts: 69
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Insurance Company Recommendations?
We will be receiving our 2020 21NE in Sept and it's time to start thinking of insurance. I have checked with my homeowners/auto company Farm Bureau and they are quoting me $79 month with $500 deductible. This is the first quote I have received so I thought I would reach out to the community and see what you guys recommend. Thanks for your assistance.
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08-11-2020, 08:58 AM
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#2
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Junior Member
Join Date: Jul 2020
Location: Willamette Valley, Oregon
Trailer: 2020 none
Posts: 9
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Having retired after 30+ years as an agent, as long as you aren’t full timing, your existing auto will probably work just fine. The price you quoted seems a bit high, but without the details of its coverage it’s something hard to compare. Also, different parts of the country will change rates significantly so be careful with with others.
If not full timing, you should only need comprehensive, collision and towing. Your home and auto should cover your liabilities, home should cover your personal belongings. On towing, I always recommended keeping it on the tow vehicle and trailer so they both get towed if the vehicle is towed.
Good Luck.
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08-11-2020, 09:14 AM
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#3
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Senior Member
Join Date: Apr 2017
Location: DFW, Texas
Trailer: 2018 21 Sept 7 2018
Posts: 1,073
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Be sure and check if the coverage being offered is for full replacement and not prorated by what they feel your escape is worth. I ran into that with state farm
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08-11-2020, 10:02 AM
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#4
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Senior Member
Join Date: Jul 2015
Location: Lewisburg, Tennessee
Trailer: 2016 Escape 19 Classic
Posts: 516
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We bought a full replacement policy from Progressive. Costs us a little over $45 per month.
__________________
"Governments create nothing and have nothing to give but what they have first taken away....."
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08-11-2020, 10:17 AM
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#5
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Member
Join Date: May 2020
Location: Mt Juliet, Tennessee
Trailer: 2020 21NE
Posts: 69
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Quote:
Originally Posted by GregandTeresa
We bought a full replacement policy from Progressive. Costs us a little over $45 per month.
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Well thats great. Can you share your agents name and number with me? I just did a quick online Progressive quote and they quoted me $107 month.
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08-11-2020, 11:04 AM
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#6
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Senior Member
Join Date: Aug 2012
Location: Tigard, Oregon
Trailer: 2020 21NE - dual dinettes
Posts: 398
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Quote:
Originally Posted by Rolland
Having retired after 30+ years as an agent, as long as you aren’t full timing, your existing auto will probably work just fine. The price you quoted seems a bit high, but without the details of its coverage it’s something hard to compare. Also, different parts of the country will change rates significantly so be careful with with others.
If not full timing, you should only need comprehensive, collision and towing. Your home and auto should cover your liabilities, home should cover your personal belongings. On towing, I always recommended keeping it on the tow vehicle and trailer so they both get towed if the vehicle is towed.
Good Luck.
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Quote:
Originally Posted by Oldtimer
Be sure and check if the coverage being offered is for full replacement and not prorated by what they feel your escape is worth. I ran into that with state farm
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I just got a quote from Progressive (ported from USAA) for $317 /yr. Full replacement / comprehensive / collision. I think the USAA tie in helps a lot. (Plus excellent driving record.)
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08-11-2020, 12:16 PM
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#7
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Senior Member
Join Date: Jul 2015
Location: Lewisburg, Tennessee
Trailer: 2016 Escape 19 Classic
Posts: 516
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Quote:
Originally Posted by Bluesky
Well thats great. Can you share your agents name and number with me? I just did a quick online Progressive quote and they quoted me $107 month.
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It's been a few years, so I don't recall the specifics, but seem to recall that I went through Good Sam
__________________
"Governments create nothing and have nothing to give but what they have first taken away....."
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08-11-2020, 12:30 PM
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#8
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Senior Member
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B 2020 Toyota Highlander XLE
Posts: 17,136
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Quote:
Originally Posted by sherminator
(Plus excellent driving record.)
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And, where the trailer resides, and your credit rating, and mysterious other factors.
__________________
What happens to the hole when the cheese is gone?
- Bertolt Brecht
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08-11-2020, 02:07 PM
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#9
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Senior Member
Join Date: Nov 2019
Location: Jericho, Vermont
Trailer: 2017 17 B
Posts: 222
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Check out AAA as an option. AAA membership is required though.
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08-11-2020, 03:13 PM
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#10
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Senior Member
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B 2020 Toyota Highlander XLE
Posts: 17,136
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Quote:
Originally Posted by jadams
Check out AAA as an option. AAA membership is required though.
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I wager that AAA will sell your policy to an insurance company. 
__________________
What happens to the hole when the cheese is gone?
- Bertolt Brecht
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08-11-2020, 05:09 PM
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#11
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Senior Member
Join Date: Sep 2014
Location: Ventura County, California
Trailer: 2015 Escape 17A
Posts: 2,347
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We added the Escape on our AAA policy. Full replacement coverage. The agent photocopied our build sheet listing all the options!
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08-11-2020, 09:32 PM
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#12
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Member
Join Date: May 2020
Location: Mt Juliet, Tennessee
Trailer: 2020 21NE
Posts: 69
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Thanks for the input
Thanks for the input
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08-11-2020, 10:11 PM
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#13
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Site Team
Join Date: Dec 2017
Location: Mid Left Coast, California
Trailer: 2014 Escape 21
Posts: 5,155
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Quote:
Originally Posted by gbaglo
I wager that AAA will sell your policy to an insurance company. |
AAA *is* an insurance company. We used to cover our vehicles under them, and even for awhile our home, but their rates kept going up, so we've gone to alternatives.... I think we're on USAA now for the cars and home (my wife is a veteran), but Progressive offers better trailer/RV insurance.
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08-11-2020, 10:29 PM
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#14
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Senior Member
Join Date: Oct 2008
Location: North Vancouver, British Columbia
Trailer: 2009 Escape 17B 2020 Toyota Highlander XLE
Posts: 17,136
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Quote:
Originally Posted by John in Santa Cruz
AAA *is* an insurance company.
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So, not just an agent? Didn't say how much I would wager.
What do the asterisks mean?
__________________
What happens to the hole when the cheese is gone?
- Bertolt Brecht
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08-11-2020, 10:43 PM
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#15
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Site Team
Join Date: Dec 2017
Location: Mid Left Coast, California
Trailer: 2014 Escape 21
Posts: 5,155
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*boldface* and /italic/ ... I got in the habit of using those on plaintext systems that didn't have text formatting.
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08-12-2020, 10:25 AM
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#16
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Senior Member
Join Date: Nov 2019
Location: Jericho, Vermont
Trailer: 2017 17 B
Posts: 222
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Quote:
Originally Posted by gbaglo
I wager that AAA will sell your policy to an insurance company. |
AAA is the policy holder. Glad I found AAA. In Metro-Boston we had limited options. We were surprised to discover Progressive, Amica, Good Sam and all the big companies don't cover RVs in my region.
Had the same experience as dfandrews. Also, experienced pleasant customer service.
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