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Old 01-11-2016, 10:44 AM   #11
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Join Date: Apr 2015
Location: Tomball, TX
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Year: 1988
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Lastly, what kind of coverage does one need before driving it off the lot and taking it across state lines (if needed) to get working on it?

I got online Progressive RV insurance through USAA without having to talk to anyone. They dropped me two weeks later and wouldn't have paid any claims if I did crash. It was just a sheet of paper to keep the government happy. I switched to a commercial policy through Progressive after that. I'll be running on the commercial policy throughout the conversion and once I'm done I'll change the title to RV and start hunting for an RV policy.
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Old 01-11-2016, 10:48 AM   #12
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Does anyone (other than turf) care to share how much they pay per month for insurance?
I pay seventy-something dollars a month for my commercial policy through progressive.
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Old 01-11-2016, 10:52 AM   #13
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Counting the fees, the three weeks of Progressive RV insurance I had was almost $40. Their quote for liability on the bus as an RV was twenty-something dollars a month.
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Old 01-11-2016, 10:53 AM   #14
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Location: Eustis FLORIDA
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Year: 1992
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I pay seventy-something dollars a month for my commercial policy through progressive.
I pay 60 something but only 10 payments a year.
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Old 01-11-2016, 02:34 PM   #15
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Location: Arkansas (For Now)
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Year: 2001
Chassis: Thomas
Engine: 3126b CAT
We are paying $90 a month with Foremost insurnace.
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Old 01-11-2016, 07:15 PM   #16
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I don't understand why insurance company's can be such a$$holes, if you built a skoolie, and have all the systems ie propane lines, elect, etc, and everything is up to codes, all furniture, and appliances installed to legal standards, the bus meets safety standards, now tell me why they will insure a crappy old motor home, and not a conversion that is better built ?
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Old 01-11-2016, 09:08 PM   #17
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Age, sex, driving record, location of vehicle, coverage type & coverage amount all factor in to what we each pay. Asking what we pay isn't worth much without telling all that goes with that determination.
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Old 01-12-2016, 08:48 AM   #18
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now tell me why they will insure a crappy old motor home, and not a conversion that is better built ?
gbstewart
because commercially built RVs, as a group, make the company more money and pay out less in claims than amateur built RVs, as a group.

if you don't believe that or like it then open your own insurance company.
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Old 01-12-2016, 08:53 AM   #19
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Age, sex, driving record, location of vehicle, coverage type & coverage amount all factor in to what we each pay. Asking what we pay isn't worth much without telling all that goes with that determination.
That's a very important point. Younger is more expensive. Male/single is more expensive. Frequent crashers/speeders are more expensive. Full coverage is more expensive than liability only. $500,000 liability is more expensive than $50,000 liability. Insuring in Louisiana is more expensive than insuring in Iowa. Driving 50,000 miles a year is more expensive than 5,000 miles a year.
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Old 01-12-2016, 11:03 AM   #20
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Location: Rhode Island/Nicaragua
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Year: 1997
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We are in the process of trying to insure our bus in RI now that our conversion is just about complete. We were denied by National General because of the rack on top and we made the mistake of linking to our blog and providing too much information. They were concerned we would be using it for commercial purposes (which we are not- we will be taking it to our business in Nicaragua). I currently am working with a local agent but haven't had success yet. I've learned less information provided is better. Is it easier to get a commercial policy? We are just looking to get out of the US- maybe 6 weeks tops here probably closer to three. Any advice would be appreciated.
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