Typical Insurance Costs

[mdbutler79]

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!

[Twigg]

Originally Posted by mdbutler79

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.

[EastCoastCB]

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.

[MarkyDee]

Originally Posted by Twigg

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.

[Robin97396]

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.

[WanderWoman]

If it is titled and insured as an RV, it should be less than $500 a year for liability.


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[BigDavid]

I'm on GA & mine is registered as a RV. Its $240 a year for liability.

[Dog Rescuer]

Allstate (after calling a few different agents) gave me liability for the Van Conversion / then Motorhome - $270 a year.

[Rusty]

Progressive Liability only

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

Plates are $101/yr

[Robin97396]

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.

[mdbutler79]

Hi, yeah, but these are giving me and hopefully others something to think about. One thing i might mention and probably should have,, I am not converting it. I am only stripping the seats out and laying carpet and using it for personal use really. Just new to owning a bus. It would be used more as a personal vehicle for work.

[Robin97396]

That's how mine is, registered as a van. I'm thinking more like a conversion van, a big one.

No plumbing, no mounted waste tanks, no permanent electrical system (yet). I'm trying not to cross that line toward being an RV.

[dfeazelle]

I'm 54, clean driving record, in NC, 2003 Thomas bus is titled as an "HC", it was professionally converted as a mobile breathalyzer unit for the NC State Highway Patrol...my agent called 3 companies before he found one that would write a policy.
Commercial policy for personal use, liability only, $1000 per year!! I HAVE to find something better than that... and I need full coverage...

[WanderWoman]

I'm 54, decent driving record in Florida, 2003 International titled as a motor home, private policy for personal use, PIP & liability, $251.31 a year with Allstate.


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[plfking]

I'm older than two of the United States, Progressive commercial vehicle for private use, liability only, $207/year.


Don

[dfeazelle]

Update:
after buying $1,000 liability only policy, driving my bus home...
got no response from Good Sam from emailing (3 times)
I called them and within minutes had a liability only policy for $100 per year.

The bad news; my insurance agent knew that I was still looking for full coverage (still haven't found that) and still looking for cheaper liability coverage but didn't bother to tell me that I'd be paying a 30% penalty for cancelling early. So, it cost me $340 for insurance to drive my bus 70 miles.

Pretty sure my insurance agent just lost my business...

[Lenin]

I urge you to use services if American Insurance. It's the most reliable and affordable option.

[bansil]

Lenin do you work for them?

[BigDeb68]

Originally Posted by Dog Rescuer

Allstate (after calling a few different agents) gave me liability for the Van Conversion / then Motorhome - $270 a year.

Hi- So like what did you have to do to convert it? Like did you have to install plumbing, electric, gas, stove, bathroom, curtains, a sofa, bed? What was Allstate's requirements and did they have to have receipts or anything? Do you have a van or bus?

[BigDeb68]

How can I get a bus considered to be a Van conversion or is that a length thing? Don't they see it is a bus from the Vin#?