Good Sam Club Open Roads Forum: Truck Campers: looking for cheaper RV insurance
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BigSwick

FL

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Joined: 08/19/2021

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Posted: 02/06/22 04:26am Link  |  Quote  |  Print  |  Notify Moderator

It is coming up on renewal time. Currently have National General Rv insurance. Any recommendations for a less costly company? No, I do not want to go without. Last year premium was 358, haven't got renewal notice yet for this year.

JimK-NY

NY

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Posted: 02/06/22 08:33am Link  |  Quote  |  Print  |  Notify Moderator

Really? You have a '21 Sirus and are complaining about $358/year?

BB_TX

McKinney, Texas

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Posted: 02/06/22 08:50am Link  |  Quote  |  Print  |  Notify Moderator

Do a lot of research on how well a company pays in case of damage. Cheap does not always mean good. Slow pay or denial of claim could really be an issue.

toedtoes

California

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Posted: 02/06/22 09:43am Link  |  Quote  |  Print  |  Notify Moderator

BB_TX wrote:

Do a lot of research on how well a company pays in case of damage. Cheap does not always mean good. Slow pay or denial of claim could really be an issue.


X2. Paying less is no good if they screw you over when it's time for them to pay.


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Bedlam

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Posted: 02/06/22 11:49am Link  |  Quote  |  Print  |  Notify Moderator

My insurance company always asks how they are doing. I respond that I never had a claim with them, so I only know they are timely at collecting the premium. I tell them to ask me again after I submit a claim.


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joelc

Cedar Point, NC

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Posted: 02/06/22 12:56pm Link  |  Quote  |  Print  |  Notify Moderator

Don't know if it is cheaper or not, but I have Farmer's Insurance of NC.

thomasmnile

Lake Mary, FL

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Posted: 02/06/22 01:08pm Link  |  Quote  |  Print  |  Notify Moderator

When we had our last travel trailer it was insured with GEICO. Don't know if GEICO was cheapest, but their policy features were superior to State Farm, who insured our fifth wheel for a lot more.GEICO's policy was set up like a homeowner's policy.

Pete_k

Stantonville Tn

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Posted: 02/06/22 06:15pm Link  |  Quote  |  Print  |  Notify Moderator

GEICO came in with a better price for us.


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BB_TX

McKinney, Texas

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Posted: 02/06/22 08:52pm Link  |  Quote  |  Print  |  Notify Moderator

thomasmnile wrote:

When we had our last travel trailer it was insured with GEICO. Don't know if GEICO was cheapest, but their policy features were superior to State Farm, who insured our fifth wheel for a lot more.GEICO's policy was set up like a homeowner's policy.

Don’t know how State Farm compares on price, but can say they are great when it comes time to pay. Have had SF on home, vehicles, and RV for over 30 years, and quite a number of claims. Always paid fast without question including $24,000+ on hail storm damage to home, $14,000+ on tail swing vs steel column on RV, and large claim on truck due to uninsured motorist hitting me.

toedtoes

California

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Posted: 02/06/22 10:56pm Link  |  Quote  |  Print  |  Notify Moderator

BB_TX wrote:

thomasmnile wrote:

When we had our last travel trailer it was insured with GEICO. Don't know if GEICO was cheapest, but their policy features were superior to State Farm, who insured our fifth wheel for a lot more.GEICO's policy was set up like a homeowner's policy.

Don’t know how State Farm compares on price, but can say they are great when it comes time to pay. Have had SF on home, vehicles, and RV for over 30 years, and quite a number of claims. Always paid fast without question including $24,000+ on hail storm damage to home, $14,000+ on tail swing vs steel column on RV, and large claim on truck due to uninsured motorist hitting me.


I agree. They paid out right away with my motorhome. And they worked with me to keep it under the threshold for being totaled. Having spent a full year trying to get paid by my homeowner's (not State Farm) for the same incident, I can say that how they handle you during a claim is far more important than saving a few bucks.

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