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02-12-2008, 03:59 PM
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#21
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Guest
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Quote:
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.
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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.
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02-12-2008, 05:52 PM
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#22
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Site Team
Join Date: Feb 2003
Location: The mountains of Scottsdale, AZ, and the beaches of Maine
Posts: 10,216
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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
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02-12-2008, 06:32 PM
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#23
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Guest
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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.
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02-12-2008, 06:54 PM
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#24
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Site Team
Join Date: Feb 2003
Location: The mountains of Scottsdale, AZ, and the beaches of Maine
Posts: 10,216
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Good deal. Perhaps more of us should be checking into Progressive.
Bill
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02-20-2008, 08:32 PM
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#25
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Site Sponsor
Join Date: Jul 2006
Location: Sunny Beaches of Los Angeles
Posts: 3,279
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I added my 2720SL to my auto policy with $10k coverage, $500 ded for $100/yr with AAA.
Dave
__________________
2000 2720SL & 2007 3124KB
2005 Toyota Sequoia
Twin Battle Born 12v 100Ah LiFePO4 (BBGC2) batteries, 300W solar on rear shell, Link 10, Lift kit, Maxxis 8008 225 75/R15 E tires
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02-21-2008, 09:31 AM
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#26
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Guest
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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
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02-21-2008, 06:35 PM
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#27
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Guest
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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.
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02-22-2008, 09:06 AM
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#28
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Guest
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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
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02-29-2008, 06:22 PM
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#29
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Guest
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Insurance
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.
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02-29-2008, 07:14 PM
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#30
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Guest
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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.
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