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Author Topic: Texas insurance  (Read 1745 times)
dukegrad98
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« on: March 30, 2012, 08:37:55 AM »

Whew, just got quotes back from my local Allstate agent for Bob and Judy's '89 Prevost.  Maximum liability coverage is surprisingly cheap.  Adding collision and comp increases the premium by 1000% or more depending on deductible, no exaggeration. 

Anyone have tips for insuring a good coach in Texas?  I much prefer to deal with a person instead of a website, but I need to get this thing covered before we bring it home next week.  Thanks --

Cheers, John
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Runcutter
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« Reply #1 on: March 30, 2012, 08:56:14 AM »

John, we're with State Farm, insured for a stated amount, no issues.  Fair disclosure, it's an older coach, so we didn't set an extraordinarily high value. 

We're in the Dallas area, where in Texas will you be.  You may see other posts suggesting that folks post their coach and location, as part of their signature line (see mine for an example).  You never know when someone is nearby, especially when you need help.

Arthur
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Arthur Gaudet    Carrollton (Dallas area) Texas 
1968 PD-4107

Working in the bus industry provides us a great opportunity - to be of service to others
dukegrad98
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« Reply #2 on: March 30, 2012, 09:05:44 AM »

Thanks, Arthur, and good suggestion -- I just edited my profile to include my location:  Tyler, Texas.  Greetings from behind the pine curtain, as I say.  Smiley  I'll try giving my local State Farm agent a call as well.

John
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robertglines1
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« Reply #3 on: March 30, 2012, 09:54:04 AM »

Sent you a pm: Try farmbureau. Allstate wouldn't take Andy's toterhome but they would. Allstate has the 89 but they say their rules have changed about taking new customers on. Unless you threaten to take your complete insurance business else where.. ::)Bob
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Bob@Judy  98 XLE prevost with 3 slides --Home done---last one! SW INdiana
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« Reply #4 on: March 30, 2012, 10:37:12 AM »

Robert may have a good point there.  State Farm has our house, flood, both cars, our business policy, and my business life insurance, which also means that we get multiple-policy discounts on some stuff.  I don't know if its better to put everything with one company/agent, but that's been my practice.

Arthur
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Arthur Gaudet    Carrollton (Dallas area) Texas 
1968 PD-4107

Working in the bus industry provides us a great opportunity - to be of service to others
bigjohnkub
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« Reply #5 on: March 30, 2012, 10:41:49 AM »

John, while i'm sure that the bus you are getting is in excellant shape <DON NOT LEAVE HOME WITHOUT TOW AND ROADSIDE INSURANCE !!!!!!!!! I usd Good Sams platinum and have used it several times. No problems. Cost less than $150.00 a year and is less than one tire repair call. Call me if you need help.

Big John
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Big John  Tyler Tx PD 4903-188 & 4107
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robertglines1
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« Reply #6 on: March 30, 2012, 11:39:06 AM »

I agree you never know when something is going to fail. Great now-bad next second. I try to keep one step ahead but you never know. Bob
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Bob@Judy  98 XLE prevost with 3 slides --Home done---last one! SW INdiana
dukegrad98
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« Reply #7 on: March 30, 2012, 12:17:26 PM »

Good thoughts on roadside assistance coverage.  As luck would have it, I'm already a AAA "Plus RV" level member.  This all stems back to a time when my family was left stranded a hundred miles from nowhere on a road trip in our SUV.  The flatbed tow to the nearest dealership was over 100 miles, back in the wrong direction, and cost me about $500.  This membership includes tows up to 100 miles at no cost, and free tire changes.  I should probably call and check on the coach thing -- it does say "RV," but I want to be sure they will handle the Prevost.  Otherwise, the Good Sam website looks like a good option as well. 

Meanwhile, my regular insurance guy here has finally come up with a pretty good insurance quote.  It's not quite as cheap as some of the stuff people have posted or sent me by PM, but it includes maximum liability protection and really low ($250) deductibles on comprehensive and collision, along with some "freebie" minor coverages like $2k in personal effects if they are damaged, etc.  Since the coach will be parked, locked, and left on my rural property at times, the comprehensive coverage is important to me -- just in case some trespasser or hooligan walks across my ranch and decides to knock out the windows or whatever.  I was planning to eventually extend a shed roof off the shop to cover the bus, but maybe I'll ultimately enclose some additional space someday -- that's all future planning.

John
« Last Edit: March 30, 2012, 12:19:11 PM by dukegrad98 » Logged
gus
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« Reply #8 on: March 30, 2012, 02:14:50 PM »

Progressive is the best company for bus conversions, they understand them.

The other companies sometimes treat them like illegal vehicles!

Allstate and State Farm are probably the two worst insurance companies in the country based on Consumer Reports articles about them in the past 10 years
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eddiepotts
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« Reply #9 on: March 30, 2012, 03:35:14 PM »

I use Allstate and it is very cheap. I have not made a claim with them so I do not know how that will play out if ever needed. I do have there RV tow service and it is only $99 a year. It covers the bus, cars, motorcycle and boat. Now I have used the service.t. Two separate times for tires and one tow from when I bottomed out on a culvert. That would have been $500. When I used them for the tires it was easier to shop on line then have them bring the tires to the driveway to change then to take the bus and wait at the shop. No problems either time.
« Last Edit: March 30, 2012, 03:37:08 PM by eddiepotts » Logged
luvrbus
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« Reply #10 on: March 30, 2012, 06:23:31 PM »

If you have ever been in the service USAA Insurance is the best you can have in Texas my grandson has us on his policy with the Trek full coverage no deductible for glass 500 deductible for accidents, 250/500/250 full replacement (50,000) all for 195.00 dollars a year it was his present to his grandmother and by the way we have AZ plates with Texas insurance and AZ is happy with deal

good luck
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Life is short drink the good wine first
Dreamscape
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« Reply #11 on: March 30, 2012, 08:26:05 PM »

We are with USAA for the Jeep. Progressive through USAA would not touch the bus! So we stayed with State Farm. I'm still pursing Progressive, someone is not in the know evidently!
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Becky and Paul Lawry, On The Road
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eagle19952
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« Reply #12 on: March 30, 2012, 09:39:26 PM »

My progressive policy is written through
PoliSeek AIS Insurance Solutions, Inc. | 866-500-7335

BUT when i "garaged" in Texas they would not write/honor Roadside Assistance (in 2005,which I needed), so 24 hours later I "garaged" in
Alaska (I had homes in both places...) they switched my policy (where it remains) and took care of my Roadside tire needs that following morning....
works for me.... Smiley

PS I have not spoken with Poliseek since they wrote my policy in 2004,I pay progressive online.
When i bought it they were named something else.....
« Last Edit: March 30, 2012, 09:41:37 PM by eagle19952 » Logged

Donald PH
1978 Model 05 Eagle w/Torsilastic Suspension,8V71 NA, DDAllison on 24.5's 12kw Kubota.
Wants Paint Smiley
Previously owned by Wee Willie Ent.
rip
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« Reply #13 on: March 31, 2012, 05:55:51 AM »

I have GMAC insurance through Good Sam.I had my bus towed once and the service was great.Last June  I had a hail damage claim and to say the least it has been a nightmare dealing with them.I finally got my bus to the paint shop,but I am still waiting for my check.Once everything is done I will be finding a different insurance company.
   Don
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rwc
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« Reply #14 on: March 31, 2012, 06:10:10 AM »

When I called USAA they referred me to Progressive. I then told Progressive what was on the Title which is 1995 MCI 102D3 motorhome, They insured it even though the lady said I have never heard of that model before.
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