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Old 07-03-2018, 08:30 PM   #21
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I just signed on to progressive commercial for a 6 month policy, for a 98 ford cutaway. 211.00 for 6 months (would have been less but I scraped a parked car almost 3 years ago). I called them and did not outright state that I was converting it, that it was strictly for personal use, very limited driving, and ensured them that all seat were removed. I figure once it is ready to be insured/registered as an r.v, I will cross that bridge then. But in order to even get it registered as anything, it has to have insurance, so....
I will say that I called back 3 times, with different info and questions before I bought the 6 months, and it wasnt until the 3rd person that I spoke with that I was told I could buy 6 months, rather than a full year.
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Old 07-06-2018, 11:36 AM   #22
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Location: Greenwood, Indiana
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Year: 1999
Coachwork: New Flyer
Chassis: D45HF "Viking"
Engine: 11.1L Detroit Diesel S60
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Quote:
Originally Posted by MarkyDee View Post
Wow, that was a year ago for me now.... It did work out for me - well Progressive Commercial hasn't canceled me yet. However, at my one-year renewal they dropped the amounts down, but also dropped the amount I was paying. I've wondered if they accepted me because my bus had already been insured by them (the seller I got the bus from had it insured through them).

I'll make a note and see what I can do this weekend.....

Well, better late than never - I tried hitting Progressive Commerical online portal and its completely different now than when I did it a year ago. However, here is what I found (along with answers I used a year ago, or answers that will be different for you in parenthesis).

1Q. What does your company do?
1A. Personal Use Only.

2Q. Most common vehicles for business
2A. Other / Not Listed
2A.... Bus

3Q/A. Fill out Year/Make/Model
1999 New Flyer D45HF "Viking"

4. Fill out other vehicle details:
4Q1. Number of passengers
4A1. (Seats removed, 16-60, 61+)
4Q2. Wheelchair Lift?
4Q2Q1. (if wheelchair is 'yes', then) Is vehicle personal, business, or both?
4Q3. Zip where vehicle is parked when not in use?
4Q4. Farthest one-way distance vehicle travels for work?
4A4. (100, 200, 300, 400, 500, 501+ miles)
4Q5. Comprehensive AND Collision coverage?
4Q6. Vehicle Worth?

5. Driver #1 Info:
5Q1. First name
5Q2. Last name
5Q3. Birthdate
5Q4. Married or Single?
5Q5. Driver's License State?
5Q6. Accidents in last three years?
5Q7. CDL holder?
5Q8. Another Driver? (if yes, repeat this question again)

6. Business Info:
6Q1. Category (already selected at 1Q/A but can edit here).
6Q2. Business Structure:
6A2. (Sole Proprietor, Partnership, Corp or LLC)
6Q3. Have Auto Insurance Today? (if yes, more questions)
6Q3Q1. Continuous commercial or personal policy for the last year?
6Q3Q2. Closest Bodily Injury limits in current policy
6A3A2. (Physical damage only, state minimums, $25k/$50k, etc.)
6Q4. USDOT number? (if yes, answer more questions, not listed here)

7. Business Owner Info:
7Q - Name, Address, Phone Number, Email address


Quotes would show up on the next page, but didn't go there.


Also, I suspect they pull your credit report once you fully answer Q5.
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Old 07-09-2018, 05:50 PM   #23
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Hey, I have been having issues insuring my 1993 chevy bus. I actually read your post and took your advice, but I was quoted $1,500 upfront and then about $4,500 per year for commercial insurance (for personal use). I am in NYC. How the heck did ya get quoted so cheap???
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Old 07-09-2018, 06:49 PM   #24
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Location: Westchester, NY
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Quote:
Originally Posted by linzinator View Post
Hey, I have been having issues insuring my 1993 chevy bus. I actually read your post and took your advice, but I was quoted $1,500 upfront and then about $4,500 per year for commercial insurance (for personal use). I am in NYC. How the heck did ya get quoted so cheap???
Did you call a local agent, or a national number?

Maybe the type of bus matters - is yours a full size? I remember getting quoted bigger numbers from other agents with other insurance carriers - just keep calling around until you find someone who really wants your business.
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Old 10-23-2019, 11:00 AM   #25
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Join Date: Apr 2019
Location: Florida
Posts: 31
Year: 1997
Coachwork: Bluebird
Chassis: Tc2000
Insurance woes

Been trying since April to get schoolie insured.
After 3 attempts, National General wants more things added to the build.
Ive done everything they want, and lies lies lies.
What a crock.
Any ideas?????????
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Old 10-23-2019, 12:19 PM   #26
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Location: Dawsonville, Ga.
Posts: 9,333
Year: 1999
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Chassis: International
Engine: DT466/3060
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Quote:
Originally Posted by NavyVet View Post
Been trying since April to get schoolie insured.
After 3 attempts, National General wants more things added to the build.
Ive done everything they want, and lies lies lies.
What a crock.
Any ideas?????????
There is usually a list of 6 items of which 4 need to be in the conversion. What are they saying you need?
I still can't believe State Farm has asked for zero documentation on my build, yet I'm full covered.
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Old 10-23-2019, 12:57 PM   #27
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Location: Eastern WA
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Engine: Cummins ISC (8.3)
Rated Cap: 72
Quote:
Originally Posted by NavyVet View Post
Been trying since April to get schoolie insured.
After 3 attempts, National General wants more things added to the build.
Ive done everything they want, and lies lies lies.
What a crock.
Any ideas?????????
I prefer written communications inn situations like this. If my agent gave me bad info and I have a claim, and corporate denies it, I have recours through her E and O policy.

I don't know how other states are but Washington has substantial consumer protection laws covering the insurance industry.

I studied for my license a while back, then life interviened. I learned quite a bit about the regulations the insurance companies operate under.

If you get your insurance quotes, requirements and coverage in writing (email) you have recourse if they try and change their story.
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Old 10-28-2019, 02:51 PM   #28
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Join Date: Apr 2019
Location: Florida
Posts: 31
Year: 1997
Coachwork: Bluebird
Chassis: Tc2000
Thanks for the info. State Farm hooked me right up. Mich appreciated.
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Old 10-28-2019, 05:38 PM   #29
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Location: Arkansas Ozark Foothills
Posts: 61
Year: 2002
Coachwork: BlueBird
Chassis: TC2000-8 Window
Engine: Cumm ISB/Allison 2000
I need to go pick up a TC2000 in the near future. Did State Farm require any conversion documentation for your bus?
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Old 10-28-2019, 06:39 PM   #30
Mini-Skoolie
 
Join Date: Apr 2019
Location: Florida
Posts: 31
Year: 1997
Coachwork: Bluebird
Chassis: Tc2000
Juat aigned with State Farm. No need for commercial. $127 a year
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Old 10-28-2019, 06:40 PM   #31
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Location: Florida
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Chassis: Tc2000
No. None at all
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Old 10-29-2019, 01:32 PM   #32
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Location: Arkansas Ozark Foothills
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Year: 2002
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Chassis: TC2000-8 Window
Engine: Cumm ISB/Allison 2000
Did you approach them with insuring a school bus or an RV?


I've already had one State Farm agent shut the door and say that they do not insure school buses.
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Old 10-29-2019, 02:27 PM   #33
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Join Date: Apr 2019
Location: Florida
Posts: 31
Year: 1997
Coachwork: Bluebird
Chassis: Tc2000
Told them straight up its a bluebird bus conversion.
I had it titled as an rv.
Closed on the insurance this morning.
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Old 10-29-2019, 07:08 PM   #34
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Join Date: Aug 2018
Location: Arkansas Ozark Foothills
Posts: 61
Year: 2002
Coachwork: BlueBird
Chassis: TC2000-8 Window
Engine: Cumm ISB/Allison 2000
After one agent not calling me back, another said that they did not cover school buses, another that is still with underwriting (yep, busy day), I found an agent that said the magic word "Yes".



Covered and arranging for pick up of my 8 window bus next week.


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Old 10-30-2019, 05:18 AM   #35
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Join Date: Apr 2019
Location: Florida
Posts: 31
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Coachwork: Bluebird
Chassis: Tc2000
You're welcome. Awesome news. Congrats.
Hope to see ya on the road somewhere.
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Old 10-30-2019, 09:00 AM   #36
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Engine: Cummins ISC (8.3)
Rated Cap: 72
Quote:
Originally Posted by jofred99 View Post
Did you approach them with insuring a school bus or an RV?


I've already had one State Farm agent shut the door and say that they do not insure school buses.
Some agents are reluctant (lazy?) to write policies for things that are a bit out of the ordinary and may require a call to underwriting for guidance. Instead they simply tell you "we can't insure that, sorry"
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Old 10-31-2019, 08:38 PM   #37
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Location: Oklahoma
Posts: 6
Year: 1958
Coachwork: Chevrolet Viking Bus
Engine: 1992 5.7L Cummins Diesel
Insurance success!

I walked into a local insurance broker and they wrote the policy and insured my bus. They simply needed to prove that it wasn't being used for transportation of people. The trick is to find a local broker, not use the online insurance companies.
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Old 11-01-2019, 07:59 AM   #38
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Location: Cazenovia, NY
Posts: 151
Year: 1985
Coachwork: Leyland
Chassis: Leyland
Engine: Cummins
Rated Cap: 17500, probably kg
This whole process is tricky. Extra tricky if you're insuring an imported, double-deck bus. Ultimately we got a policy started, then Progressive wouldn't write the VIN with the UK standard 6 characters for a bus.

We cancelled and kept looking, but then got a local agent to reactivate the policy and _they_ created the card with the correct digits. She told us that the DMV would complain since the Progressive VIN would have lots of extra zeroes at the front, but we could just refer them to her (our agent) and she'd take care of it from there.

We were really careful to be very honest and straightforward. Hoping it all sticks and we won't have to worry until the conversion is complete. Keeping receipts for all work done so we can document that the labor was done professionally. My plan is to buy and insert all the bits and then hire plumbers, electricians, contractors to actually connect everything. Near as I can tell that's still considered 'professional'. But as in all cases it 100% depends on the agent you talk to.
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