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03-30-2017, 07:25 AM
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#1
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Mini-Skoolie
Join Date: Mar 2017
Location: Ocala, Florida
Posts: 14
Chassis: Chevy G3500
Engine: 5.7 Gas
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No way no how
The new guy is looking at buying a Chevrolet G2500 cutaway and is looking for insurance. Yes it used to be a school bus. Look at them all run. Will ANYBODY insure my bus?
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03-30-2017, 08:29 AM
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#2
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Bus Crazy
Join Date: Aug 2014
Location: SW New Hampshire
Posts: 1,334
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Quote:
Originally Posted by Flhermit
The new guy is looking at buying a Chevrolet G2500 cutaway and is looking for insurance. Yes it used to be a school bus. Look at them all run. Will ANYBODY insure my bus?
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Where are you located?
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03-30-2017, 09:08 AM
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#3
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Mini-Skoolie
Join Date: Mar 2017
Location: Ocala, Florida
Posts: 14
Chassis: Chevy G3500
Engine: 5.7 Gas
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Florida 34475
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03-30-2017, 10:13 AM
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#4
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Bus Nut
Join Date: Oct 2016
Location: Pensacola and Crystal River, FL
Posts: 647
Year: 1998
Coachwork: AmTran International
Chassis: 3800
Engine: Navistar 7.6L
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Tell them it is a cargo van.
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03-30-2017, 11:20 AM
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#5
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Mini-Skoolie
Join Date: Mar 2017
Location: Ocala, Florida
Posts: 14
Chassis: Chevy G3500
Engine: 5.7 Gas
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Well after 14 hours on the phone National General will insure my bus. They are ok with it being a bus and know I am going to gut it. Next step getting it titled as a MH? Stay tuned.
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03-30-2017, 12:03 PM
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#6
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Bus Geek
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 23,762
Year: 1999
Coachwork: Thomas
Chassis: Freighliner FS65
Engine: Cat 3126
Rated Cap: 15
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Quote:
Originally Posted by Flhermit
Well after 14 hours on the phone National General will insure my bus. They are ok with it being a bus and know I am going to gut it. Next step getting it titled as a MH? Stay tuned.
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Don't bother with MH title. You've already got ins.
Nice to see ANOTHER central FL member!
Holler if you need a hand with ANYTHING and I'd be glad to help out.
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03-30-2017, 01:12 PM
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#7
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Skoolie
Join Date: Oct 2015
Location: Tavares, Florida
Posts: 157
Year: 1996
Coachwork: Bluebird
Engine: Caterpillar 3116
Rated Cap: 78?
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Cool, I'll be close in a week or so too.
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03-31-2017, 05:22 AM
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#8
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Mini-Skoolie
Join Date: Mar 2017
Location: Ocala, Florida
Posts: 14
Chassis: Chevy G3500
Engine: 5.7 Gas
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Thank You
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03-31-2017, 10:34 AM
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#9
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Bus Geek
Join Date: May 2016
Location: Eastern WA
Posts: 6,401
Year: 2002
Coachwork: Bluebird
Chassis: All American RE (A3RE)
Engine: Cummins ISC (8.3)
Rated Cap: 72
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Quote:
Originally Posted by EastCoastCB
Don't bother with MH title. You've already got ins.
Nice to see ANOTHER central FL member!
Holler if you need a hand with ANYTHING and I'd be glad to help out.
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Things vary by state but you may look into insurance and registration costs for commercial vs motorhome.
For me, here in WA, registration is cheaper for a motorhome. A little cheaper for the short bus and MUCH cheaper for the Bluebird. Insurance will be much cheaper on both as soon as I am able to switch from "commercial vehicle for personal use" to motorhome. The short bus is currently $332 a year and will be less than half that as a motorhome.
Just something to consider before making the final decision.
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03-31-2017, 02:48 PM
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#10
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Bus Geek
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 23,762
Year: 1999
Coachwork: Thomas
Chassis: Freighliner FS65
Engine: Cat 3126
Rated Cap: 15
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Quote:
Originally Posted by PNW_Steve
Things vary by state but you may look into insurance and registration costs for commercial vs motorhome.
For me, here in WA, registration is cheaper for a motorhome. A little cheaper for the short bus and MUCH cheaper for the Bluebird. Insurance will be much cheaper on both as soon as I am able to switch from "commercial vehicle for personal use" to motorhome. The short bus is currently $332 a year and will be less than half that as a motorhome.
Just something to consider before making the final decision.
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Hard to find anyone to insure a converted "MH" school bus here in FL.
Good Sam will do it, but as far as I can tell thats it.
Leaving it as is means Progressive and Allstate are easily obtainable.
You're right though- stuff varies from state to state.
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03-31-2017, 03:33 PM
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#11
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Bus Geek
Join Date: May 2016
Location: Eastern WA
Posts: 6,401
Year: 2002
Coachwork: Bluebird
Chassis: All American RE (A3RE)
Engine: Cummins ISC (8.3)
Rated Cap: 72
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I have insured three buses with State Farm in WA and AZ with no trouble.
I wonder if the folks that are having trouble are running into agents that just don't want to deal with it or if it is due to regulations in their state?
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03-31-2017, 03:52 PM
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#12
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Bus Geek
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 23,762
Year: 1999
Coachwork: Thomas
Chassis: Freighliner FS65
Engine: Cat 3126
Rated Cap: 15
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Quote:
Originally Posted by PNW_Steve
I have insured three buses with State Farm in WA and AZ with no trouble.
I wonder if the folks that are having trouble are running into agents that just don't want to deal with it or if it is due to regulations in their state?
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Insurance companies vary state to state just as much as anything else. Some states have VERY few choices for insurance, so its worth looking into before changing the title.
I made my first bus a "MH" or "RV", I can't remember which. Couldn't get insurance at all. period. That was in 2002-ish.
Now I own and drive TWO BUSES titled as buses, and am just happy to have that magic piece of paper know as an insurance card to make it legal to drive on public roads.
This is in FL, of course YMMV.
How are yours titled, Steve?
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03-31-2017, 05:26 PM
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#13
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Bus Geek
Join Date: May 2016
Location: Eastern WA
Posts: 6,401
Year: 2002
Coachwork: Bluebird
Chassis: All American RE (A3RE)
Engine: Cummins ISC (8.3)
Rated Cap: 72
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Quote:
Originally Posted by EastCoastCB
Insurance companies vary state to state just as much as anything else. Some states have VERY few choices for insurance, so its worth looking into before changing the title.
I made my first bus a "MH" or "RV", I can't remember which. Couldn't get insurance at all. period. That was in 2002-ish.
Now I own and drive TWO BUSES titled as buses, and am just happy to have that magic piece of paper know as an insurance card to make it legal to drive on public roads.
This is in FL, of course YMMV.
How are yours titled, Steve?
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All of mine have been titled as RV's. State Farm has not given me any grief over insuring them as either an RV or as a commercial vehicle for personal use. They do require pictures of the completed conversion before switching the insurance from Commercial to RV.
I asked my Wife about this (30 years in the insurance industry) and she explained to me that national carriers like Progressive & State Farm will generally have a corporate policy when it comes to insuring certain types of vehicles. If they will insure it in one state then they will insure it in all states. UNLESS there are state regulations that prevent them from doing so. She said that some agents may choose not to write insurance on a particular type of vehicle though.
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04-01-2017, 03:48 AM
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#14
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Mini-Skoolie
Join Date: Mar 2017
Location: Ocala, Florida
Posts: 14
Chassis: Chevy G3500
Engine: 5.7 Gas
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I switched my other 2 trucks also so adding the bus only raised my insurance $8. I think I'm gonna be happy with what I got and lay low.
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04-03-2017, 12:17 AM
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#15
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New Member
Join Date: Apr 2017
Posts: 5
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Me too!!!
I just got a 81 international. Know close to nothing about it. It's already titled as mh. Does national take mh ? I'm in central. .. new port richey. Mine is gutted. I'm working on getting materials now.
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04-03-2017, 12:23 AM
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#16
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New Member
Join Date: Apr 2017
Posts: 5
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Quote:
Originally Posted by EastCoastCB
Hard to find anyone to insure a converted "MH" school bus here in FL.
Good Sam will do it, but as far as I can tell thats it.
Leaving it as is means Progressive and Allstate are easily obtainable.
You're right though- stuff varies from state to state.
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I just got a bus titled mh. Trying to find insurance. Help! ? Is it better to leave as mh or change to bus? Please message I'm new!
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04-03-2017, 06:45 AM
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#17
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Bus Nut
Join Date: Mar 2017
Location: Montana
Posts: 581
Year: 2000
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I am in Florida - I had the title changed to MH - and Allstate insured it - I had to call three different agents because the first one said (angrily) "We don't insure those kinds of vehicles!"... but the last one I talked with was fine - I told her exactly what I was doing - and was able to insure it with no issue.
I was not able to get a good deal with the tags - they would not put it in as a simple RV - mostly because of the weight - but it was not too bad.
-Roger
Quote:
Originally Posted by MoroseDreamer
I just got a bus titled mh. Trying to find insurance. Help! ? Is it better to leave as mh or change to bus? Please message I'm new!
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04-03-2017, 07:03 AM
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#18
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Bus Geek
Join Date: May 2009
Location: Columbus Ohio
Posts: 18,707
Year: 1991
Coachwork: Carpenter
Chassis: International 3800
Engine: DTA360 / MT643
Rated Cap: 7 Row Handicap
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its definitely state to state as ive had state farm for my house and my cars, yet they wouldnt touch my busses.. no mstter what the agent did.. and state farm wouldnt touch my florida apartment for renters insurance.. yet others have state fasrm on their busses no issue..
insirance is totally risk based.. so my guess is theyve had a lot of issues here in ohio... good guess is because theres a lot of haphazard tailgating busses with all the various popular college and pro sports teams in this state.. and lots of farms.. perhaops they saw a lot of claims so said 'Nope'.. or possibly they feel that the regulations on what can be a personal vehicle without a CDL in ohio are too lax.. or what the law states the liabilities are of an insurance company during a claim..
it ALL comes down to whether that insurance company can make money as a whole on a particular class in a particular state.
-Christopher
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04-03-2017, 07:05 AM
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#19
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Bus Geek
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 23,762
Year: 1999
Coachwork: Thomas
Chassis: Freighliner FS65
Engine: Cat 3126
Rated Cap: 15
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Quote:
Originally Posted by MoroseDreamer
I just got a bus titled mh. Trying to find insurance. Help! ? Is it better to leave as mh or change to bus? Please message I'm new!
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Have you actually converted the bus to a MH?
If so call up Good Sam Ins.
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04-03-2017, 07:11 AM
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#20
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Bus Geek
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 23,762
Year: 1999
Coachwork: Thomas
Chassis: Freighliner FS65
Engine: Cat 3126
Rated Cap: 15
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Quote:
Originally Posted by Dog Rescuer
I am in Florida - I had the title changed to MH - and Allstate insured it - I had to call three different agents because the first one said (angrily) "We don't insure those kinds of vehicles!"... but the last one I talked with was fine - I told her exactly what I was doing - and was able to insure it with no issue.
I was not able to get a good deal with the tags - they would not put it in as a simple RV - mostly because of the weight - but it was not too bad.
-Roger
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My tags are regular, private tags. They charge me the same, roughly, as any car or truck I've owned.
But I leave mine titled as bus. IDK about motorhome tags at all.
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