Reply
 
Thread Tools Display Modes
 
Old 12-18-2017, 07:49 PM   #1
Mini-Skoolie
 
Join Date: Mar 2017
Location: Daytona Beach, FL
Posts: 14
Typical Insurance Costs

As a single guy, all this skoolie life sounds great, BUT! i called about insurance and spoke to a man who was super cool about it, ready to help me get a bus on the road and my question is this,,, what is a general/normal/average/reasonable cost for insurance per year/and payments monthly?

I was told: that to drive a school bus as a personal vehicle with no conversion and seats removed it falls under a personal vehicle with a normal tag and under a personal commercial policy. Typically which runs $ 1,200-1,600 and that's cheap. Anyone around Orlando/central FL have thoughts on this or anyone else I can call in the area to compare? Of course the man said it would depend on somethings, like year, rather or not it has a WC lift or not ... Anyone care to share their general prices to keep a bus on the road, this is about all I know when it comes to this subject. I am in Daytona Beach FL. and learning to prepare. This just kinda sounded high to me. All of a sudden, it sounds like between insurance on the bus and a seperate policy on my car, since its not a "commercial car" (lol) this sounds like I won't be saving or anything. Or am I looking at this wrong.. Any help is appreciated. Thank you!
mdbutler79 is offline   Reply With Quote
Old 12-18-2017, 07:53 PM   #2
Bus Geek
 
Join Date: Sep 2017
Location: Owasso, OK
Posts: 2,627
Year: 1999
Coachwork: Thomas
Chassis: Saf-T-Liner MVP ER
Engine: Cummins 6CTA8.3 Mechanical MD3060
Rated Cap: 46 Coach Seats, 40 foot
Quote:
Originally Posted by mdbutler79 View Post
As a single guy, all this skoolie life sounds great, BUT! i called about insurance and spoke to a man who was super cool about it, ready to help me get a bus on the road and my question is this,,, what is a general/normal/average/reasonable cost for insurance per year/and payments monthly?

I was told: that to drive a school bus as a personal vehicle with no conversion and seats removed it falls under a personal vehicle with a normal tag and under a personal commercial policy. Typically which runs $ 1,200-1,600 and that's cheap. Anyone around Orlando/central FL have thoughts on this or anyone else I can call in the area to compare? Of course the man said it would depend on somethings, like year, rather or not it has a WC lift or not ... Anyone care to share their general prices to keep a bus on the road, this is about all I know when it comes to this subject. I am in Daytona Beach FL. and learning to prepare. This just kinda sounded high to me. All of a sudden, it sounds like between insurance on the bus and a seperate policy on my car, since its not a "commercial car" (lol) this sounds like I won't be saving or anything. Or am I looking at this wrong.. Any help is appreciated. Thank you!
I know it varies by location, but Progressive only charged me $260 for a 12-month policy on an unconverted bus for personal use.
__________________
Steve Bracken

Build Thread
Twigg is offline   Reply With Quote
Old 12-18-2017, 08:35 PM   #3
Bus Geek
 
EastCoastCB's Avatar
 
Join Date: Sep 2014
Location: Eustis FLORIDA
Posts: 15,188
Year: 2004
Coachwork: IC
Chassis: CE300
Engine: DT466E
Rated Cap: 32
If you're under 25, that could explain your high quotes.
I'm nearly 40, no tickets or points, and mine is still 900+ per year. I'm 20 miles north of Orlando, roughly.
__________________
.
Roll Your Own Build Thread
EastCoastCB is offline   Reply With Quote
Old 12-18-2017, 08:46 PM   #4
Bus Nut
 
Join Date: Mar 2017
Location: Greenwood, Indiana
Posts: 445
Year: 1999
Coachwork: New Flyer
Chassis: D45HF "Viking"
Engine: 11.1L Detroit Diesel S60
Rated Cap: 51,600
Quote:
Originally Posted by Twigg View Post
I know it varies by location, but Progressive only charged me $260 for a 12-month policy on an unconverted bus for personal use.
Mine is roughly twice that and I'm in Indiana.
MarkyDee is offline   Reply With Quote
Old 12-18-2017, 09:58 PM   #5
Bus Geek
 
Robin97396's Avatar
 
Join Date: Feb 2016
Location: Willamina, Oregon
Posts: 6,409
Coachwork: 97 Bluebird TC1000 5.9
Mine was $400 the first year and dropped to $300 per year since. It seems like it has a lot to do with location, then there is the age thing and driving records. It seems unreasonable.
__________________
Robin
Nobody's Business
Robin97396 is offline   Reply With Quote
Old 12-18-2017, 10:13 PM   #6
Bus Crazy
 
Join Date: Sep 2016
Location: SE Florida
Posts: 1,008
Year: 2003
Coachwork: International
Engine: T444E
Rated Cap: 65 pax
If it is titled and insured as an RV, it should be less than $500 a year for liability.


Sent from my iPad using Tapatalk
WanderWoman is offline   Reply With Quote
Old 12-19-2017, 04:25 AM   #7
Skoolie
 
Join Date: Dec 2016
Posts: 138
I'm on GA & mine is registered as a RV. Its $240 a year for liability.
BigDavid is offline   Reply With Quote
Old 12-19-2017, 07:39 AM   #8
Bus Nut
 
Dog Rescuer's Avatar
 
Join Date: Mar 2017
Location: On the Road
Posts: 434
Year: 2000
Coachwork: BlueBird
Chassis: International 3800
Engine: 7.3L 210HP Turbo Diesel T444E
Rated Cap: 28 + 3 wheel chairs.
Allstate (after calling a few different agents) gave me liability for the Van Conversion / then Motorhome - $270 a year.
__________________
- Roger (Dog.Rescuer)
Dog Rescuer is offline   Reply With Quote
Old 12-19-2017, 10:43 AM   #9
Traveling
 
Join Date: Nov 2015
Location: Midwest
Posts: 2,573
Year: 2003
Coachwork: BlueBird
Chassis: TC2000
Engine: 5.9L Cummins
Rated Cap: '00
Progressive Liability only

$250k/$500k coverage is $125/yr.

Plates are $101/yr
Rusty is offline   Reply With Quote
Old 12-19-2017, 12:30 PM   #10
Bus Geek
 
Robin97396's Avatar
 
Join Date: Feb 2016
Location: Willamina, Oregon
Posts: 6,409
Coachwork: 97 Bluebird TC1000 5.9
I'm not seeing a typical insurance cost. We're all over the board.

It looks like some of you made your insurance agents angry.
__________________
Robin
Nobody's Business
Robin97396 is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Featured Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -5. The time now is 01:20 PM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2018, vBulletin Solutions, Inc.