Progressive Renewal Skyrockets

[Ray LeTourneau]

I just received our renewal notice for the Bighorn. Two years ago our annual rate was $556, last year $612 and this coming year $751. All of these rates reflect a full year payment all at one time and are for a Full Timers Package with Disappearing Deductibles and Full Replacement Cost Coverage.
Needless to say, I called to find out why the increase was so much considering there have been no claims. We've also been under the impression that the Full Replacement coverage was 5 years full replacement and the next 5 years purchase price in the event of a total loss.

The rep indicated this wasn't true, only 2 years full replacement then reverts to ACV. We argued a bit about that. I let him know I wasn't a happy camper and would be passing this info on to our Forum members with Progressive. I have just finished reading the Policy Book and I am correct about the first 5 years but there doesn't appear to be a set time limit on the purchase price payback if totaled.

I guess we'll be shopping around but I need to call back and clarify what I've found in the Policy Book and find out the time limit for purchase price payback. At least I can read it to them from their book. Still not happy about the premium increase.

 

[donr827]

Ray, let us know what they tell you about the replacement cost. I have Progressive on my trailer and the premium went up around $75 this year.
Don

 

[jassson007]

Mine went up when I added the BC to the policy but figured it was due to the sob was listed at $16k and msrp on BC is $77k for the replacement value. I pay monthly and my payments before the BC went down after my renewal in march from $54 to $52 and went up to $122 after the BC was added. Not sure what I will do but need a full timer policy as well. Now i did drop progressive as my auto policy as they almost doubled on me at 6 mth policy.


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[porthole]

Everyone gets to pay for Sandy. Just like we did with Katrina.

 

[jassson007]

Everyone gets to pay for Sandy. Just like we did with Katrina.

That might be so but mine went down at renewal until I added the BC 2 months in. As far as Katrina and Rita here in swla some companies are still pulling out or not writing policies south of I 10.


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[donr827]

Living in Southeast Florida, my premium for replacement cost with Progressive is $982 a year. Made many phone calls and no one was cheaper. Do not ask me about homeowners insurance.
Don

 

[jassson007]

Living in Southeast Florida, my premium for replacement cost with Progressive is $982 a year. Made many phone calls and no one was cheaper. Do not ask me about homeowners insurance.
Don

I feel your pain Don that is one reason we no longer own a sticks am bricks and I was north of I 10.


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[Mizmary]

Progressive was the cheapest we could find. There aren't that many options for full timers anyway-- and the one place we were told was cheaper- was relly just progressive through another company.

 

[kakampers]

Try Blue Sky...They lowered our premium by more than half and gave us better coverage.

 

[MTPockets]

We did pretty well with Hartford thru AARP, quote was best of 5 & lower than Progressive.

 

[TXBobcat]

My Progressive for fulltime is 2010 $954. 2011 $920. 2012 $965

Looks like I have been paying out the nose... Wanta swap?? LOL.

They told me the same thing, 5 year total replacement with like or better. After that the original purchase price... Will ask them when it comes up to renew... Am looking at USAA next time...

BC

 

[Mizmary]

Tx-- USAA will give you a slight discount but it is still through progressive.

 

[Ray LeTourneau]

Yesterday, I did an on-line quote through Good Sam. It came back lower but with much lesser coverage. After reading the replies here, I guess we'll live with Progressive. I'll look into Blue Sky but haven't heard them mentioned before. I have 2 months till renewal so plenty of time to shop. Thanks!

 

[kakampers]

Blue Sky has been getting great reviews on other forums, and have been around for awhile. When GMAC raised our premium from $700 on the Bighorn to $1569 for the Landmark...I went shopping. I expected an increase for a new, more expensive trailer...but more than double...NOT! We are paying $761 and have better coverage. Our coverage is underwritten by RLI. We have carried our umbrella policy with them for many years and are very satisfied.

 

[NWILSON]

I prefer not to give money to Peter Lewis and Progressive.
I don't think the company name is just coincidence.

 

[TandT]

I prefer not to give money to Peter Lewis and Progressive.
I don't think the company name is just coincidence.

Neale,
I agree. We have them now and they paid a big claim on my roof repair last year, without raising my rates.
However, when my policy expires, I am looking elsewhere.
Without getting political, all I can say is they are NOT the good guys. Trace

 

[TXTiger]

I don't like Farmers much but they have a subdivision called Formost that does RV, boat, motorcycle etc. I had them in the past on my motorcycle and found their rates to be very competitive and their claims were fair.

 

[wino2]

We have State Farm and pay $459.00 good coverage.

 

[ParkIt]

Foremost is an underwriter for many companies both home and anything on wheels (aside from a 'passenger vehicle'), as long as you haven't had any claims they stay relatively low. So far USAA subcontracting with Fleet Priority Services has us fully covered at $320 a month with $4 more for full replacement cost content. USAA does a full replacement or GAP coverage but it might be interesting to check it against Big Sky.

One reason premiums are going up is because they can - more people are buying full time living units than in the last 10 years. They knew they could stick it to us Baby Boomers.

 

[BarneyFife]

I prefer not to give money to Peter Lewis and Progressive.
I don't think the company name is just coincidence.

Exactly.

If the OP hasn't tried Gilbert RV Insurance, I'd sure call them. Not sure about the full-timers coverage but their rates and customer service have been tops with us.