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Old 08-19-2019, 03:24 PM   #1
Bus Nut
 
Join Date: Jul 2016
Location: Western Oregon
Posts: 434
Year: 1995
Coachwork: Blue-Bird
Chassis: TC RE 3408
Engine: 5.9 Cummins 12V Mechanical
Rated Cap: Blue-Bird says 72 pass.
It looks like I need a new insurance company

So I am just about ready to take my Washington school bus title to the Oregon DMV, and start the title conversion process. I am finally nearing completion of my insulated floor, and when that is done I will put in a semi-permanent bed, plus a temporary bathroom and kitchen, before heading to the DMV.

I'm not concerned about this part of the process anymore. It's pretty obvious from my communications with DMV staff, that they don't really have any standards to apply, and currently just wing it, approving nearly everything.

It's insurance that has me concerned now. The bus is currently insured with Progressive as a commercial vehicle for non-commercial use, but it hasn't left the property since I brought it here in April. Progressive no longer insures owner converted schoolbuses or transit buses. Just highway coaches.

I currently have my car insured with State Farm. They will insure the bus after it is converted too, IF I am not living in it. I could try to BS them, but they already know my personal situation, so they know my Dad died recently and my brothers and I are preparing to put the house on the market.

So I need a new insurance company. One that will deal with me through a PO Box, and accept the fact I do not have a "permanent" address. I have not yet asked the agent who sold me the Progressive policy for any recommendations she may have.

I will do that soon, but I wonder if anyone on this forum might have any recommendations.
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Old 08-19-2019, 03:36 PM   #2
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Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 7,503
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
I assume you are looking for comprehensive and collision? State Farms quote was higher than I expected, so will probably go elsewhere when my Progressive policy expires next month. Allstate wrote me a MH policy without inspection, $48 down, $26/m.
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Old 08-19-2019, 03:36 PM   #3
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Join Date: Sep 2018
Posts: 459
Year: 2007
Coachwork: Thomas Built
Chassis: Minotour
Engine: Chevy Express 3500 6.6l
National General has the No Fulltimers rule. The rep mentioned no more than 6 months per year.
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Old 08-19-2019, 03:44 PM   #4
Bus Nut
 
Join Date: Jul 2016
Location: Western Oregon
Posts: 434
Year: 1995
Coachwork: Blue-Bird
Chassis: TC RE 3408
Engine: 5.9 Cummins 12V Mechanical
Rated Cap: Blue-Bird says 72 pass.
The State Farm agent I talked to today said Sam's accepts full-timers. I haven't started looking at them yet. Does anyone have any experience dealing with Sam's?
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Old 08-19-2019, 03:47 PM   #5
Bus Nut
 
Join Date: Jul 2016
Location: Western Oregon
Posts: 434
Year: 1995
Coachwork: Blue-Bird
Chassis: TC RE 3408
Engine: 5.9 Cummins 12V Mechanical
Rated Cap: Blue-Bird says 72 pass.
@o1marc, No just liability. Any mashups will get fixed by me or they won't get fixed. I hate giving money to insurance companies.
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Old 08-19-2019, 03:54 PM   #6
Bus Nut
 
Join Date: Sep 2018
Posts: 459
Year: 2007
Coachwork: Thomas Built
Chassis: Minotour
Engine: Chevy Express 3500 6.6l
Quote:
Originally Posted by gs1949 View Post
The State Farm agent I talked to today said Sam's accepts full-timers. I haven't started looking at them yet. Does anyone have any experience dealing with Sam's?
Good Sam is National General.
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Old 08-19-2019, 04:03 PM   #7
Bus Nut
 
Join Date: Jul 2016
Location: Western Oregon
Posts: 434
Year: 1995
Coachwork: Blue-Bird
Chassis: TC RE 3408
Engine: 5.9 Cummins 12V Mechanical
Rated Cap: Blue-Bird says 72 pass.
Thanks. This may take a while.
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Old 08-19-2019, 04:12 PM   #8
Bus Nut
 
Join Date: Jul 2016
Location: Western Oregon
Posts: 434
Year: 1995
Coachwork: Blue-Bird
Chassis: TC RE 3408
Engine: 5.9 Cummins 12V Mechanical
Rated Cap: Blue-Bird says 72 pass.
DuckDuckGo just found this:

https://www.goodsamrvinsurance.com/r...imer-insurance


Checking them out now.
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Old 08-19-2019, 04:14 PM   #9
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Join Date: Dec 2017
Location: Dawsonville, Ga.
Posts: 7,503
Year: 1999
Coachwork: Genesis
Chassis: International
Engine: DT466/3060
Rated Cap: 77
Quote:
Originally Posted by gs1949 View Post
DuckDuckGo just found this:

https://www.goodsamrvinsurance.com/r...imer-insurance


Checking them out now.
Impressive coverage, what's it cost? Can't complete the online registration as it doesn't list International as a make.
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Old 08-19-2019, 04:33 PM   #10
Bus Nut
 
Join Date: Jul 2016
Location: Western Oregon
Posts: 434
Year: 1995
Coachwork: Blue-Bird
Chassis: TC RE 3408
Engine: 5.9 Cummins 12V Mechanical
Rated Cap: Blue-Bird says 72 pass.
Good Sam says they do insure bus conversions, but not for full-timing. For full-timing you have to have a factory-built RV.
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