George the greek Posted July 13, 2021 Report Share Posted July 13, 2021 Hey all, I've been R V'ing a couple years now. My insurance agent and company is not happy that I travel all the time. I will be looking for new insurance company that doesn't get wigged out when a client travels full time. Any ideas are much appreciated. i am becoming a citizen of South Dakota mid August, I noticed one of the mail forward services has in house insurance agents. Is this a good route or should I look for independent agent and company. What works for you? George the Greek Quote Link to comment Share on other sites More sharing options...
Danandfreda Posted July 13, 2021 Report Share Posted July 13, 2021 Try herrmann insurance agency rapid city 18002821446. We have all ours with them and reasonably rates Quote Link to comment Share on other sites More sharing options...
jimnlin Posted July 13, 2021 Report Share Posted July 13, 2021 National General likes fulltimers Quote Link to comment Share on other sites More sharing options...
Will B. Posted July 13, 2021 Report Share Posted July 13, 2021 We are fulltime insured through Progressive. Quote 2018 Grand Design Momentum 399TH • 2019 Ford F-350 (DRW) 2016 Harley-Davidson Heritage • 2013 Harley Sportster with a sidecar Web: https://MyRVRadio.com • Facebook: https://fb.com/MyRVRadio Link to comment Share on other sites More sharing options...
2gypsies Posted July 13, 2021 Report Share Posted July 13, 2021 We used Miller. They'll look around for the cheapest rates. They are well acquainted with full-timers. We had them re-look about every 2 years. Insurance fluctuates. http://www.millerrvinsurance.com/ Quote Full-timed for 16 YearsTraveled 8 yr in a 2004 Newmar Dutch Star 40' Motorhome and 8 yr in a 33' Travel Supreme 5th Wheel Link to comment Share on other sites More sharing options...
WeBeFulltimers Posted July 13, 2021 Report Share Posted July 13, 2021 GEICO worked for us during 10 years fulltime. Quote Fulltiming since September 1, 2010 2012 Ford F-350 PSD SRW Lariat Crew Cab 2012 Montana 3585SA Link to comment Share on other sites More sharing options...
Kirk W Posted July 13, 2021 Report Share Posted July 13, 2021 I would use one of the agencies that are known in the RV world. I like to shop more than one agency or company. Miller insurance RV Advantage Explorer Insurance Foremost Insurance Quote Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
George the greek Posted July 18, 2021 Author Report Share Posted July 18, 2021 Hey all thank you for the insurance i formation this is a great forum for information thanks again George the Greek Quote Link to comment Share on other sites More sharing options...
Ro and Joe Posted July 21, 2021 Report Share Posted July 21, 2021 On 7/13/2021 at 1:42 PM, 2gypsies said: We used Miller. They'll look around for the cheapest rates. They are well acquainted with full-timers. We had them re-look about every 2 years. Insurance fluctuates. http://www.millerrvinsurance.com/ 2X Quote 2020 Dutch Star 4328, 2018 Grand Cherokee, Ready Brute Elite Towbar Link to comment Share on other sites More sharing options...
SadieMae Posted July 31, 2021 Report Share Posted July 31, 2021 Can't compare because we have only had NGIC (National General) since we began full-time in 2014. Recently we had total loss on both our 5th wheels and major damage to our truck. National General came through and were great to deal with at a very stressful time. Always easy to get someone in the phone and the adjusters they sent out were so professional and thorough. Replacement value on one 5th wheel and market value on the other. Plus getting the truck back like new. I honestly can't say enough good about how they helped us out when we needed it most. Quote Link to comment Share on other sites More sharing options...
George the greek Posted August 18, 2021 Author Report Share Posted August 18, 2021 I just got a cuote from the insurance folks at Americas Mail box $1,146 for 6 months on my dodge Ram pick up and another $541 for the camper.. the policy i have now is $448 for 6 months truck and camper.. Problem is the insurance I have now doesnt like I travel so I need to replace it but this is highway robbery I will call some of the places you have suggested below thanks again and I hope I can afford to continue driving G tG Quote Link to comment Share on other sites More sharing options...
TXiceman Posted August 19, 2021 Report Share Posted August 19, 2021 We got the best rate from GIECO on the rig in our signature. Full time use, Ken Quote Amateur radio operator, 2023 Cougar 22MLS, 2022 F150 Lariat 4x4 Off Road, Sport trim <br />Travel with 1 miniature schnauzer, 1 standard schnauzer and one African Gray parrot Link to comment Share on other sites More sharing options...
whj469 Posted August 20, 2021 Report Share Posted August 20, 2021 With the internet you can search just like insurance agencies do. In fact there are websites that will give you the best price. I have found that if I pay the bill in full before the policy year starts I will get the best price. That said, all RV insurance is not the same, there are considerations like replacement coast, which some insurance companies don't offer. In a state like Texas all auto policies are standard, you chose the limits you want. Quote Link to comment Share on other sites More sharing options...
George the greek Posted August 20, 2021 Author Report Share Posted August 20, 2021 Update I called around and first to call me back offered me a Policy just a few dollars more than the old Policy and they do not have a problem With me traveling most of the time. George the Greek Quote Link to comment Share on other sites More sharing options...
Blues Posted August 20, 2021 Report Share Posted August 20, 2021 Check the breakdown of your coverage for something along the lines of "fulltimer liability," for about $100/year, just to be sure. Places like the ones Kirk mentioned understand fulltimers, but it never hurts to double-check. Years ago I had Geico quote a fulltimer policy for me, but when I checked the breakdown, I didn't see a premium for fulltimer liability. When I called back, I was told that "fulltimer" to them meant that the policy was good for traveling 365 days a year. However, I think most fulltimers want the personal liability coverage they no longer have when they give up homeowner's or renter's coverage. I certainly did. Quote Link to comment Share on other sites More sharing options...
JosephLCampo Posted December 15, 2021 Report Share Posted December 15, 2021 On 7/13/2021 at 10:42 PM, 2gypsies said: We used Miller. They'll look around for the cheapest rates. They are well acquainted with full-timers. We had them re-look about every 2 years. Insurance fluctuates. http://www.millerrvinsurance.com/ Agreed! I've also used Miller-Hanover Insurance, their rates are great. Quote Link to comment Share on other sites More sharing options...
Kirk W Posted December 15, 2021 Report Share Posted December 15, 2021 7 minutes ago, JosephLCampo said: Agreed! Welcome to the forums! It is good to have you join us. Quote Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
JosephLCampo Posted December 15, 2021 Report Share Posted December 15, 2021 2 minutes ago, Kirk W said: Welcome to the forums! It is good to have you join us. Thank you so much for the welcome! Quote Link to comment Share on other sites More sharing options...
Darryl&Rita Posted December 15, 2021 Report Share Posted December 15, 2021 1 hour ago, JosephLCampo said: Agreed! I've also used their rates are great. Just for clarification; the link you posted isn't the same as Miller RV Insurance, used by many RVers. Quote I have been wrong before, I'll probably be wrong again. 2000 Kenworth T 2000 w/N-14 and 10 speed Gen1 Autoshift, deck built by Star Fabrication 2006 smart fourtwo cdi cabriolet 2007 32.5' Fleetwood QuantumPlease e-mail us here. Link to comment Share on other sites More sharing options...
Blues Posted December 16, 2021 Report Share Posted December 16, 2021 On 12/15/2021 at 9:04 AM, Darryl&Rita said: Just for clarification; the link you posted isn't the same as Miller RV Insurance, used by many RVers. And I went to the Miller Hanover website and they don't even mention RVs, much less fulltimer coverage. Fulltimer insurance is a world unto itself, and best left to the people who are familiar with it. Fortunately, there are only a few, so it makes shopping easier. Quote Link to comment Share on other sites More sharing options...
KodiakJack Posted December 17, 2021 Report Share Posted December 17, 2021 On 7/20/2021 at 6:36 PM, Ro and Joe said: 2X 3X Miller Progressive since 2013 Later, J Quote 2012 Landmark, San Antonio 2013 Silverado CC, 3500HD, Duramax, DRW, 4x4 Backup, side and hitch cameras, Tireminder TPMS Link to comment Share on other sites More sharing options...
Mike M Posted January 7, 2022 Report Share Posted January 7, 2022 On 7/13/2021 at 4:41 PM, Kirk W said: I would use one of the agencies that are known in the RV world. I like to shop more than one agency or company. Miller insurance RV Advantage Explorer Insurance Foremost Insurance Thanks, Kirk for these leads. I have Progressive now and they hiked my premium by almost 50% when I traded up from an F250 to a 350. I know the 350 is a higher value truck but that alone doesn't justify a 50% premium hike. The agent couldn't even explain why it went up so much. Quote Link to comment Share on other sites More sharing options...
Blues Posted January 8, 2022 Report Share Posted January 8, 2022 11 hours ago, Mike M said: I have Progressive now and they hiked my premium by almost 50% when I traded up from an F250 to a 350. I know the 350 is a higher value truck but that alone doesn't justify a 50% premium hike. The agent couldn't even explain why it went up so much. Did you look at the individual elements of the premium to see which parts went up and by how much? That might help you figure out what's going on. I once had a huge increase in my premium and figured out it was almost all due to a doubling of the premium for my comprehensive, which meant they were most likely recovering big losses due to weather events in my garaged location (even though as a fulltimer I'm almost never in my garaged location). On yours, if you have collision coverage, look at how much that went up. If it was a lot, it could be simply due to the value of the truck, and you can easily compare Progressive's collision premium to the collision premium in quotes you get, to see if Progressive is out of line with the others. Too many companies just quote a total, but I insist on a breakdown so I can see what's going on under the hood of the quote, so to speak. Quote Link to comment Share on other sites More sharing options...
George the greek Posted February 5, 2022 Author Report Share Posted February 5, 2022 Haven't posted in a while, I was driving through Nebraska last Monday got into a wreck totaled truck and damaged trailer dealing with injurys and loss of “MY TRUCK” is bad but not as bad as dealing with ins co right now George the Greek Quote Link to comment Share on other sites More sharing options...
Kirk W Posted February 5, 2022 Report Share Posted February 5, 2022 You must have come a fair distance since leaving Rapid City? I used to travel the Nebraska panhandle as part of my job and there are some areas that get really bad wind conditions. Quote Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.