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Old 07-02-2021, 07:13 PM   #1
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Just got an insurance quote in New Jersey.

I got a quote from AllState last year. If I recall correctly (I didn't take the policy due to some issues that prevented me from taking the bus out for the winter last year) the quote was about $1100/year.

This year AllState wouldn't even provide a quote. The agent told me the rules had change from last year and they couldn't insure it.

I got a quote from an independent agent who is a relative of a friend who has owned his own agency for 25 years. The quote is $2100/year for the minimum limits. I thought that was pretty steep but maybe not. Anyone else from New Jersey care to comment?

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Old 07-02-2021, 08:43 PM   #2
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Ouch. That’s pretty steep. I thought my $450 a year was a bit much
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Old 07-02-2021, 10:02 PM   #3
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Quote:
Originally Posted by Oldyeller View Post
I got a quote from AllState last year. If I recall correctly (I didn't take the policy due to some issues that prevented me from taking the bus out for the winter last year) the quote was about $1100/year.

This year AllState wouldn't even provide a quote. The agent told me the rules had change from last year and they couldn't insure it.

I got a quote from an independent agent who is a relative of a friend who has owned his own agency for 25 years. The quote is $2100/year for the minimum limits. I thought that was pretty steep but maybe not. Anyone else from New Jersey care to comment?
Did you get the title changed to RV or Motorhome? The first thing I did before taking a single screw out was to make sure I met the 4 out of 6 requirements and had a private paid inspector to my house to check it out. Two days later, I had plates and a title as a MH. I then was able to get insurance from NG for $384 a year. Granted, the policy is crap that only has 25k minimum liability. Anyone would easily sue and own everything I had if I was negligent and in an accident but alas, the bus hasn't left my property since I drove it here.
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Old 07-03-2021, 01:42 AM   #4
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Originally Posted by Bus'n it View Post
Did you get the title changed to RV or Motorhome? The first thing I did before taking a single screw out was to make sure I met the 4 out of 6 requirements and had a private paid inspector to my house to check it out. Two days later, I had plates and a title as a MH. I then was able to get insurance from NG for $384 a year. Granted, the policy is crap that only has 25k minimum liability. Anyone would easily sue and own everything I had if I was negligent and in an accident but alas, the bus hasn't left my property since I drove it here.
How could you meet the 4 out of 6 requirements without taking out all the seats at a minimum? That would be a lot more than a screw. Are we talking about the same requirements; kitchen, bathroom, bed, RV electrical system, water system?

I have to throw in here that it is registered in Vermont as a motorhome but the insurance I got quoted was commercial. Thanks for reminding me, I don't remember if I told the guy that it's registered in Vermont as a motorhome, might make a difference.
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Old 07-03-2021, 04:40 AM   #5
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Call Kelly Newsome at the Knowles Allstate office in Leesburg FL, 352-326-9300

and ask for a referral to someone that deals with NJ.

Pick her brains while you're at it, fount of knowledge
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Old 07-03-2021, 01:12 PM   #6
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Originally Posted by john61ct View Post
Call Kelly Newsome at the Knowles Allstate office in Leesburg FL, 352-326-9300

and ask for a referral to someone that deals with NJ.

Pick her brains while you're at it, fount of knowledge
The quote I got last year was via Kelly's referral. It was the same agent I contacted a few weeks ago that said she could no longer quote for conversion buses.
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Old 07-12-2021, 04:18 PM   #7
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Im hearing the same in TX now. Just got a quote for unconverted, its $197 a month. Converted $140 a month.

I have a good driving record no crashes but bad credit. Still ridiculous!
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Old 07-12-2021, 06:34 PM   #8
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I'm paying $4.11 a month with State Farm for liability on an RV policy. No multi vehicle discount.
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Old 07-12-2021, 09:52 PM   #9
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The quote I got last year was via Kelly's referral. It was the same agent I contacted a few weeks ago that said she could no longer quote for conversion buses.
Again, call for an update.
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Old 07-12-2021, 11:22 PM   #10
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Don't pay the big bucks.

Quote:
Originally Posted by Oldyeller View Post
I got a quote from AllState last year. If I recall correctly (I didn't take the policy due to some issues that prevented me from taking the bus out for the winter last year) the quote was about $1100/year.

This year AllState wouldn't even provide a quote. The agent told me the rules had change from last year and they couldn't insure it.

I got a quote from an independent agent who is a relative of a friend who has owned his own agency for 25 years. The quote is $2100/year for the minimum limits. I thought that was pretty steep but maybe not. Anyone else from New Jersey care to comment?
We have two International AMTRANS RE Buses. One is a 1998 and the other is a 2002. We have them registered in VT as RV. Progressive did not ask where they are registered only where they are are garaged. This is what we asked for when we called Progressive Commercial lines: "I want to insure a bus that I bought for personal use." We insured the 1998 in 2019 and have carried the policy since. We added the 2005 in May. Our yearly total is $402.00 for the two buses garaged in New Mexico.

This is liability only state minimums non stacked commercial for private use.
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Old 07-12-2021, 11:26 PM   #11
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Again, call for an update.
I called Kelly Newsome again last week and filled out the skoolie information form. I should hear from an agent in PA tomorrow. My brother lives in PA so I have an address I can use there. We'll see.
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Old 07-17-2021, 04:10 PM   #12
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I have insurance in Nj and it's 850 a year through liberty mutual
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Old 07-17-2021, 05:23 PM   #13
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I have insurance in Nj and it's 850 a year through liberty mutual
If the insurance in PA falls through I'll contact Liberty Mutual. Thanks.
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Old 07-17-2021, 05:49 PM   #14
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Originally Posted by Chopperpilot View Post
I have insurance in Nj and it's 850 a year through liberty mutual
Mine is thru Progressive Commercial in NJ as a commercial vehicle for non commercial use. It's pretty cheap like 30 or 40 a month.
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Old 07-17-2021, 06:28 PM   #15
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Quote:
Originally Posted by Rock-N-Ruth View Post
We have two International AMTRANS RE Buses. One is a 1998 and the other is a 2002. We have them registered in VT as RV. Progressive did not ask where they are registered only where they are are garaged. This is what we asked for when we called Progressive Commercial lines: "I want to insure a bus that I bought for personal use." We insured the 1998 in 2019 and have carried the policy since. We added the 2005 in May. Our yearly total is $402.00 for the two buses garaged in New Mexico.

This is liability only state minimums non stacked commercial for private use.

sounds about right.. mine is full coverage declared value $8000 and 100/300 liability plus comp and towing and I pay $450 a year for it garaged in Ohio
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Old 07-17-2021, 11:49 PM   #16
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I have StateFarm in PA. Fully insured with a standard RV policy for $300/yr.
I do also have a multi-vehicle and home policy bundled with the RV too so that may be helping.
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Old 07-17-2021, 11:59 PM   #17
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I have StateFarm in PA. Fully insured with a standard RV policy for $300/yr.
I do also have a multi-vehicle and home policy bundled with the RV too so that may be helping.
I'm with State Farm and questioned my low rate on the RV due to multi vehicle discount. They told me the RV does not qualify for MVD.
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Old 07-18-2021, 07:00 AM   #18
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I have StateFarm in PA. Fully insured with a standard RV policy for $300/yr.
I do also have a multi-vehicle and home policy bundled with the RV too so that may be helping.
You had to get inspected and show that you really were an RV, right? I called around to State Farm initially and one agent told me they could insure as an RV after my conversion was done; another agent told me that State Farm doesn't insure skoolies because "there's no market for that" lol.
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Old 07-18-2021, 08:27 AM   #19
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I'm with State Farm and questioned my low rate on the RV due to multi vehicle discount. They told me the RV does not qualify for MVD.
After you said this, I went back and checked my policy and you're correct. My RV policy is standalone but everything else is bundled together. I reread through the email chain and Statefarm's only requirement was that I needed to have another asset insured with Statefarm because RV policies can't stand alone and need to be associated with something.

Thanks for triggering me to double check for accuracy. Memory got fuzzy once the insurance hurdle was cleared lol
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Old 07-18-2021, 08:38 AM   #20
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You had to get inspected and show that you really were an RV, right? I called around to State Farm initially and one agent told me they could insure as an RV after my conversion was done; another agent told me that State Farm doesn't insure skoolies because "there's no market for that" lol.
Statefarm just wanted pictures, a declared value, and the agent had a few questions. My bus was 90% finished at that point. Only cosmetic items remained. All of the systems were already installed and working. An insurance inspection wasn't required.

I'm not sure if it played a role in Statefarm's approval but when I moved to them, my bus was already titled, registered, and insured(NationalGeneral) as an RV in PA with a current vehicle inspection.
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