Got insurance on your pu?

[madkatz1]

State Farm wants about $200 a year for a new $7000 pu.

I've had auto insurance with SF for about 25+ yrs - no accidents.
I also have my homeowners with them - no claims.

I think it's a bit expensive.... what are your educated opinions? (You guys/gals are so smart & saavy!)

[Tim5055]

First, my usual disclaimer:

Insurance is different in every state and province and you should only take advice on coverage from a licensed professional in your local area. No two individual cases are alike and therefore should not be compared to each other. If your state licenses independent brokers, I would suggest speaking to one of them as they are not employed by any insurance company and usually have the broadest range of experience. Do not avoid this issue, while your auto policy MAY cover the trailer while towing, any damage to the camper, theft from the camper or injuries to persons visiting the camper may not be covered.


Now, We have our auto and homeowners insurance with the same company, so adding coverage for the camper was easy and relatively inexpensive.  You should check around for insurance every couple of years as compaines rates change often.

[DoubleD]

I just bought insurance for my '06 Cobalt from State Farm.  It is costing me $89 per year.

[Kelly]

Now, We have our auto and homeowners insurance with the same company, so adding coverage for the camper was easy and relatively inexpensive.  You should check around for insurance every couple of years as compaines rates change often.

Ditto that.  I added  coverage for my 1995 Jayco relatively inexpensively.  Check to see what your current auto/homeowner policies will cover on your PU.  There is some overlap in coverage for me ...

[griffsdad]

State Farm wants about $200 a year for a new $7000 pu.
 
I've had auto insurance with SF for about 25+ yrs - no accidents.
I also have my homeowners with them - no claims.
 
I think it's a bit expensive.... what are your educated opinions? (You guys/gals are so smart & saavy!)

That is expensive. Sorry. Could be because you live in hurricane country. I live in Southern California. I have SF insurance on everyhting. For my pop up, it's $36/year. My pop up is a 2002 Coleman Sun Valley which I bought new. It's always been $36.

[Billy Bob]

I have to agree that insurance rates cannot be compared to others. Even in the same county but different towns or villages our rates vary quite a bit.

With that said we have Met Life for our house and auto so we get a discount and another discount because we buy from a group insurance (my wife's work) and another discount because she has payroll deductible. So when we added our 2006 Fleetwood Sante Fe it cost us a additional $82 per year for $100 deductible or we could of went with a $200 deductible for $70. As long as the trailer is new we will carry the insurance but after 7 or 8 years we will probably drop it like we did for our boat.

[diane]

I had origionally insured my camper with State Farm (I've had State Farm for more than 25 yrs) but it was so expensive :yikes:  that I switched to someone that only handled campers and I now pay $125/yr. The company I use is Foremost.

[Gone-Camping]

That quote from State Farm is up there, I have a 2004 Trail Cruiser Hybrid with full coverage with SF, cost me $11 per month in addition to the car insurance!!

[raptor]

I'm in Illinois.  My insurance is through USAA.  If liability is all I wanted for the PU it would have been free and covered in with my current auto plan.

But we opted for full coverage.  250 deductible on collissions. 50 deductible for those things covered under "comprehensive".  For that coverage on my 2006 Jayco Jay Series 1007 I pay $76 per year.

[beacher]

Try the online quote for Progressive Insurance.  I let my PU insurance with CampingWorld's GMAC lapse because progressive had a much better price.

Price will vary based on your location, and other factors, as mentioned.

[bkfdwife]

I just got a quote from our Auto Carrier, Geico, $44 a year with a $200 deductible.....
do I really need comprehensive?  That was collision only..mine is a 1991 Palomino SXL...
Lisa

[esclark]

I'm in Illinois.  My insurance is through USAA.  If liability is all I wanted for the PU it would have been free and covered in with my current auto plan.

But we opted for full coverage.  250 deductible on collissions. 50 deductible for those things covered under "comprehensive".  For that coverage on my 2006 Jayco Jay Series 1007 I pay $76 per year.

Our insurance is also with USAA.  We have a $250 deductible and pay $60 per year.  We live in the northwest Chicago suburbs.  

Please note you must be eligible for USAA.  It used to only be open for officers families but I believe they started offering the coverage to all military years ago.

It never hurts to check around.

[PITPOP27]

Just got a quote from Good Sam (GMAC insurance) - $116 a year  w/$250 deductible other than collision - unlimited towing road service, $500 deductible - Collision (De Waiver inclu) NO idea what that last part means...

Should I get more quotes?  SF maybe?

[TroutBum]

Now, We have our auto and homeowners insurance with the same company, so adding coverage for the camper was easy and relatively inexpensive.  You should check around for insurance every couple of years as compaines rates change often.

Ditto from us.  We have Home, Life, 2 Auto, Drift Boat, Jewelry with State Farm.
Our PUP was very cheap and quick to insure.

[Recumbentman]

I have farmers Insurance and my PU would of been cheaper with them. but the dealer was promoting  RvAmerica insurance. I wound up taking the RvAmerica insurance for a few reasons even though it was more money.
RvAmerica included the following:
full coverage on PU,
towing coverage for PU,
plus a lot more items
but the biggie for me is GUARANTEED total loss replacement for get this 5 YEARS.
they will replace my PU even if it cost more than what I paid for it.
I believe my cost per year is $140.00 and totally worth it on a brand new PU.