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Thread: High Insurance

  1. #1
    Site Sponsor Sandi's Avatar
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    High Insurance

    We just got the insurance bill on our 369RL and about had a heart attack! We have all of our insurance with one company so we just called and told them what we bought. They didn't give us the cost at that time. It is almost $950.00 a year to insure! That's more then my Lexus! Just wondering what the rest of you are paying and with what company. We will have to do some shopping around!!
    Allen and Sandi-Lexington, KY
    Home of fast horses and beautiful women!
    2015 Chevrolet Duramax 4 x 4 3500 HD LTZ
    2014 Solitude 369 RL-Oct. 2014
    2016 Momentum 376 TH-April 2016

  2. #2
    mandolin57
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    Sandi....is the 950.00 for everything?? Ours is way more than that per year, but it's our homeowners, 2 vehicles, trailer, golf cart and current travel trailer, (soon to be new Solitude) We have through State Farm

  3. #3
    Site Sponsor Sandi's Avatar
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    Quote Originally Posted by mandolin57 View Post
    Sandi....is the 950.00 for everything?? Ours is way more than that per year, but it's our homeowners, 2 vehicles, trailer, golf cart and current travel trailer, (soon to be new Solitude) We have through State Farm
    Hey Marianne!
    No that was just for the Solitude! Maybe I am way off base but it just seemed very high to me. It will be interesting to see what everyone else is paying. Ours is through Progressive.
    Allen and Sandi-Lexington, KY
    Home of fast horses and beautiful women!
    2015 Chevrolet Duramax 4 x 4 3500 HD LTZ
    2014 Solitude 369 RL-Oct. 2014
    2016 Momentum 376 TH-April 2016

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    Sandi - I'm sure you know it depends on the coverage. My Reflection 303 is covered 100% at replacement cost with the following clauses:
    $100 deductible Comprehensive (Physical Damage) - $248.00
    $200 deductible Collision - $104.00
    $0.00 deductible for Personal Effects up to $2,000.00 - $32.00
    Road Service - $5.00
    Total: $389.00 per year
    The coverage is with Erie Insurance Exchange, who also has my house, an umbrella policy, 2 vehicles, and the RV. (multi-policy discount)
    (No claims in 6 years, etc etc etc.)
    They took the MSRP from the dealer sales sheet to be the replacement cost and based the rates on that cost factor.
    2018 GD Reflections 337RLS, 2017 Ram 3500 Cummins 4x4 CC w/auto level, TrailAir pinbox, B&W Companion hitch, Fold-A-Cover Tonneau

  5. #5
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    Is it under a loan? Do you full time? Will it be parked and unoccupied most of the year? All of these things go into the cost of your policy. My old Keystone Montana (2012) was only $345 a year. Added on to my car insurance with AAA in California.

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    Don't know how this applies due to state, years driving, driving record,etc, but our premium with Good Sam (National General) on 2015 Reflection 303 is: 370.00 yr. with full replacement coverage. We have a 250.00 deductible with 3,000 for personal effects.
    "It's the journey that matters-not the destination."
    Ken & Suzi
    2013 2500HD Silvarado Duramax
    2015 303RLS

  7. #7
    Senior Member Kamper's Avatar
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    Sandy,

    Ours is $906 a year for our Solitude with Nationwide. I agree that it is way too high as I don't pay much more than that for my homeowners insurance. I am interested in what others are paying also. Thanks
    Kamper
    Johnny & Mary
    Henderson, NC 4 Now
    2014 Solitude 369RL
    2015 Silverado 3500HD Crew Cab High Country
    24K Pullrite ISR 5th Wheel Hitch with Super Rails

    :cool:

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    Site Sponsor dchrist1733's Avatar
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    I pay $907 a year for insurance through Foresmost but I have full replacement coverage also. I also have personal property, collision, and comprehensive. My liability is carried on my truck insurance which is another $1,000 a year. I have high liability limits on both the truck and trailer. I have checked around and some do not offer the full replacement coverage and I wanted it because if somebody does hit and total the unit I would loose big time.

    Debby - Stafford, Virginia
    2017 Grand Design Solitude ST374TH
    2012 GMC Denali 3500HD DRW

  9. #9
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    I know the Solitude is a higher end FW compared to Reflection but those of you who pay 900 or more? That just sounds excessive, and we live in CA where they tack on all sorts of "fees" on insurance policies. We had Progressive but when they raised their rates-and we had a spotless record- I started shopping around. I was amazed at the wide range of quotes for the exact same insurance.
    "It's the journey that matters-not the destination."
    Ken & Suzi
    2013 2500HD Silvarado Duramax
    2015 303RLS

  10. #10
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    Mine runs $1100/yr through Good Sam. It all depends on state where you live. I know Texas has higher insurance rates than most states.
    Joe - Dallas, Texas
    2014 Solitude 369RL
    2015 Chevrolet 3500 LTZ 4x4

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