Insurance coverage for the TrailManor??

Originally Posted by evans27292

you people who are getting quotes from progressive,and getting the $500.00 quotes, they think you have a full size upright trailer instead of a folding one. i had the same problem untill they recalled them . the premium went from $500.00 plus down to $243.00.recheck and you will be shocked.

Do they know you have a hard sided folding trailer? When I hear "folding trailer", I think conventional pop-up; they may too. Maybe you're not getting the coverage you think you're getting.

[Bill]

Agreed. A TM costs more than many conventional trailers, so you would expect the insurance coverage to cost more. Your quote (and your policy) should contain a dollar value for the trailer.

Bill

the insurance co. dont care if its soft or hard sided, only that your pulling a folded camper instead of a full size upright camper.and total replacement cost.i carried $38,000 on my 3326, 2007 with $75.00 ded. decreasing $25.00/year without a claim.when my agent called back to see how they had it listed, they said travel trailer and he said that it folded down for towing at 26feet,they said that made the differance in rate of $243.00 instead of $568.00.the rate was based on total replacement cost w libility and comp. it also includes road side service.

[Bill]

Good deal. Perhaps more of us should be checking into Progressive.

Bill

[ShrimpBurrito]

I added my 2720SL to my auto policy with $10k coverage, $500 ded for $100/yr with AAA.

Dave

My coverage is with State Farm from whom I have the multiple line discount and umbrella coverage. I pay $107 a year with $2,000 deductible on physical damage. - camp2canoe

sounds like you have a problem. if you have a claim STATE FARM will raise your car and trailer rates and still have to put out $2000.00 ded.

Yeah - the deductible is high but it is high by choice to keep the premium down. Any deductible is just basically self insurance to that limit and as a personal injury attorney for 30+ years, I generally reccomend high deductibles to my clients. Ordinarily a carrier rates claims as "chargeable" or "non-chargable" - in other words whether the claim is arguably the insured's fault or not. Generally a reputable carrier will not raise rates for an isolated non-chargeable claim. I think that in the 19 years we've been insured with SF we've reported one collision claim. In that instance the other driver ran a stop sign directly in front of us and my rate did not change. If you have a questionable record the carrier is far more likely to raise rates. - camp2canoe

WE have ours through AARP for cars and the TM. Can't tell you how much it saves but it is significant. Don't know how old you are or if you are AARP members but for us, the car and TM insurance are well worth the paltry membership fee.

my wife and i are members of of AARP,hartford writes for them,i got a quote from them,but GMC saved us hundred of dollars over AARP.