Insurance Question

Discussion in 'General RVing' started by glenalt, Sep 19, 2014.

  1. glenalt

    glenalt Junior Member

    I was wondering where everyone get their insurance for their 5er? I just got an adjusted premium from State Farm. They base it on the MSRP which is over $36,000. They sell all over for $23-27,000. It raises my premium by about $150 a year. The interesting thing is that if it got stolen or burned down they wouldn't pay me the 36 grand but would look for a replacement which can be had for the mid twenties price. So I'm paying for ten thousand dollars of coverage which I would never get. Anyone have any suggestions?
  2. LEN

    LEN Senior Member

    Depending on your age check with AARP coverage for all rigs and home I saved a bunch. If not old enough start shopping, it's the only way. Just have your policies around so you can compare apples to apples.Some companies are cheaper in some areas of the country. Also might try with an independent agent, does not cost to look other than time(yours) to save $$$$$.

  3. krsmitty

    krsmitty Senior Member

    I have State Farm also on my 5er. Around $400 a year. I know there is cheaper...just have not made the switch yet.
  4. wildcatervin

    wildcatervin Member

    What type of coverage do you have for that price.Have a class a full coverage and it runs around 1000.
  5. LEN

    LEN Senior Member

    Deductible makes a bit difference. If you can afford a $500 makes a big diff.

  6. Steve H

    Steve H Senior Member

    We use a company called Oregon Mutual to insure all our vehicles. Everyone's insurance needs differ but we have comprehensive and collision with 100/500 deductible and the premium is $140 for 12 months.

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