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Old 02-05-2018, 10:58 AM   #1
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More insurance questions...

Is it easier to get insurance for a skoolie (not just liability but full coverage) if the driver has a CDL (I think some states have a lower level CDL)?

If an engineer approves the new design of a skoolie will that make it easier to get full coverage? I don't want to be throwing money out the window but if it will make insurance possible, it might be worthwhile.
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Old 02-05-2018, 11:01 AM   #2
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Old 02-05-2018, 11:12 AM   #3
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Originally Posted by pengyou View Post
Is it easier to get insurance for a skoolie (not just liability but full coverage) if the driver has a CDL (I think some states have a lower level CDL)?

If an engineer approves the new design of a skoolie will that make it easier to get full coverage? I don't want to be throwing money out the window but if it will make insurance possible, it might be worthwhile.
the insurance folks don't care what licence you have, at least here.
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Old 02-05-2018, 12:07 PM   #4
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Originally Posted by EastCoastCB View Post
the insurance folks don't care what licence you have, at least here.
... or here.

There isn't a "lower level" CDL.

There is a CDL and a state driver license. That state license might come with different classes and weight restrictions. Some states do, some don't.
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Old 02-12-2018, 09:53 PM   #5
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Just to relate my personal experience...

I got my insurance today at AAA, I didn't have to provide any pictures, specs or inspection notes. He just asked me some questions and found me the best rate he could.

Right now I have basic liability and uninsured motorist coverage at a rate of $130 a year. I'm going to bump up to full coverage soon, after he comes out and takes some pictures (just to prove that it is being converted), which will cost me $330 a year.

I'm in California, btw.

I also registered the bus today at the DMV and the total cost was $535. The weird thing is that they didn't even require proof of insurance.

It was a much less painful experience than I was expecting, to be honest.
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Old 02-12-2018, 10:38 PM   #6
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That's great. I hope it works. Still hasn't passed the three week test.
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Old 02-14-2018, 11:47 AM   #7
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3 week test?

What types of coverage are you guys getting?

I went whole hog with progressive on a charter bus but its like 1k a year now...
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Old 02-14-2018, 11:58 AM   #8
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3 week test?

What types of coverage are you guys getting?

I went whole hog with progressive on a charter bus but its like 1k a year now...
Seems a number of members here were issued insurance policies only to have them cancelled a few later after the underwriters reviewed them.
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Old 02-14-2018, 12:17 PM   #9
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Exactamundo! If you don't get dropped within three weeks, your good.

I was dropped from three different policies before I finally calmed down and went to the independent insurance agent ending up on Progressive's commercial policy for private use.

It's not so much of a problem just being cancelled. What happens is the companies that drop the policy within a few weeks keep about 60% of the annual policy cost for the several weeks before they drop you. It's a scam. They readily give policies based on VIN#s and accept an annual payment, then keep most of the money and drop the policy within weeks.
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Old 02-14-2018, 12:19 PM   #10
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I was going to pay monthly with progressive.

I tried Good Sam and geico, no dice for a 1978 MCI-8. State Farm said yes but with the very basics at $800 a year.

Progressive policy is 500k's all around.
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