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Old 01-31-2019, 11:42 AM   #21
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The best procedures so far has been to get a Commercial for Private use policy while you are building it out. Most independent agents end up getting you insured through progressive. It seems it is easier to do this through an agent and not directly with Progressive.

I second that. We got Commercial for Personal use through Progressive Commercial (via phone, not web). It's worked perfectly for its intended purpose (light travel) but we'll probably switch eventually now that we've got full-on motorhome status.
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Old 01-31-2019, 11:46 AM   #22
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I second that. We got Commercial for Personal use through Progressive Commercial (via phone, not web). It's worked perfectly for its intended purpose (light travel) but we'll probably switch eventually now that we've got full-on motorhome status.
What did you say your business was going to do?
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Old 01-31-2019, 11:49 AM   #23
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Also worse comes to worse, I may have to tow my bus to my house. Regular buses may be invisible on the road but mine is a 60 foot vehicle, and that's going to be a problem.
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Old 01-31-2019, 11:50 AM   #24
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What did you say your business was going to do?
They didn't ask.....since it's Commercial *for personal use*, they just wanted to know what I would be using it for. I believe I just told them hauling stuff around, but they didn't seem overly concerned or press me on it. The "for personal use" seems to make it not a real commercial policy, I guess? Progressive Commercial is a different division than regular ol' Progressive Auto though....different phone number even, if I recall correctly.

I've heard they'll cancel you once the title is converted to a motorhome, but that hasn't happened to us yet.
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Old 01-31-2019, 11:53 AM   #25
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They didn't ask.....since it's Commercial *for personal use*, they just wanted to know what I would be using it for. I believe I just told them hauling stuff around, but they didn't seem overly concerned or press me on it. The "for personal use" seems to make it not a real commercial policy, I guess? Progressive Commercial is a different division than regular ol' Progressive Auto though....different phone number even, if I recall correctly.

I've heard they'll cancel you once the title is converted to a motorhome, but that hasn't happened to us yet.
How much do you pay per month?
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Old 01-31-2019, 11:53 AM   #26
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Quote:
Originally Posted by Drew Bru View Post
They didn't ask.....since it's Commercial *for personal use*, they just wanted to know what I would be using it for. I believe I just told them hauling stuff around, but they didn't seem overly concerned or press me on it. The "for personal use" seems to make it not a real commercial policy, I guess? Progressive Commercial is a different division than regular ol' Progressive Auto though....different phone number even, if I recall correctly.

I've heard they'll cancel you once the title is converted to a motorhome, but that hasn't happened to us yet.
I have to title mine MH to park in my yard. Progressive doesn't care as long as the stated use doesn't change. At least thats been the case for me.
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Old 01-31-2019, 11:56 AM   #27
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This is just to funny. I called my other agent and she said State Farm does not insure buses and that my policy only extends when I'm selling my 2005 car, not when I'm adding a vehicle. It's funny because when this bus was in service, the insurance card showed state farm.

Time to talk to progressive!
If I were in your shoes, I would start with a different State Farm agent. Any agent licensed in NY can help you.

Another member here ran into something similar with their SF agent over in Western Washington. I encouraged him to contact the agent that handled mine. They took care of him. Now he is full time and, from what I hear, have a good time down in Crescent City

If you offer to move all of your business to a new agent they may be a bit more motivated.

Good luck.
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Old 01-31-2019, 11:58 AM   #28
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How much do you pay per month?

Right around $55/mo.
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Old 01-31-2019, 11:59 AM   #29
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Right around $55/mo.
same here.
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Old 01-31-2019, 12:02 PM   #30
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right around $55/mo.
what!?!?!?!
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Old 01-31-2019, 12:10 PM   #31
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Quote:
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How much do you pay per month?
Around $70/month for commercial for personal use. My last completed conversion was under $40 a month as an RV (full coverage) but that was a few years ago.
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Old 01-31-2019, 12:25 PM   #32
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what!?!?!?!
Liability only, Chicago suburbs. I thought it was around 340/6months. Just checked my renewal though, and it's $222/6months. Which comes to $37/mo. So not 55/mo but $37/mo. for strictly liability.
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Old 01-31-2019, 12:27 PM   #33
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I've had no tickets, claims, points, etc... This is the first year ever that my yearly premium for the bus has gone down. Typically its gone up about 5-10% per year till now.
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Old 01-31-2019, 12:56 PM   #34
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For my AllState RV policy I pay $100/6mo. For my Progressive Commercial for Personal Use I paid $50/mo. Same coverage @ 100/300 liability.
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Old 01-31-2019, 01:20 PM   #35
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My insurance through Progressive I believe is a MH policy and costs me $171/yr.
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Old 01-31-2019, 02:03 PM   #36
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Our policy through State Farm (still in 'application' mode) is $130/6 months or $26/month. Not sure what's holding up the process, but our account shows it's covered. One thing I did learn from our agent is, the bus will not count towards a multi-car discount. We have our Fiat and a suspended policy for a vehicle we are selling. Once the suspended policy goes away, even though we'll have two vehicles, the discount won't apply.
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Old 01-31-2019, 03:28 PM   #37
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I was actually told that there are some insurance companies that give temp plates and regs for $100 and its good for a month, most of the bus owners I know in NY have done it this way, but the guy who does it is currently out of the country. Is there anyway I can find out someone who does something similar to this while I go via the progressive path and see what happens?

worst comes to worse, its either drive it on the local roads or tow it.
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Old 01-31-2019, 03:32 PM   #38
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If you have insurance on another car or truck...you may well be covered for driving "other" vehicles. Especially new purchases. Check your policy.
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Old 01-31-2019, 04:01 PM   #39
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If you have insurance on another car or truck...you may well be covered for driving "other" vehicles. Especially new purchases. Check your policy.
Was told that I can't do that unless I'm selling my other car...

But even so, another member told me I dont need regs plates and only insurance, so I'm stuck. Really is dumb how there is no way to have one day registration and insurance...anyone else here drove without the two?
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Old 01-31-2019, 04:23 PM   #40
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Welp I just called Progressive and they said they don't have a product for me. However I did go on Liberty Mutual and got a quote for $621 a month...maybe I should just go with that and then cancel it, thoughts?
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