I know we've been down the insurance road before, but we priced today with our usual State Farm and then I checked Good Sams also for our new 305 we're picking up at the end of the month. (I'm waiting for State Farm price but someone told me they won't do full replacement). The guy from Sams said it would run about 430.00 /year (we're in PA). When I asked him to give me a price for when we go full-time shortly he stated it would run about 1600./yr. Does that sound right? I about ran the car off the road! Is anyone on here full-time and does it costs that much normally? We requested full replacment on the rv, I should add. Anyone with any advice or experience on this??