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FMCA Insurance Discount? What Discount?

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My RV insurance written by Allstate in Georgia is going up from $509/yr to $690/yr so I thought I'd take advantage of the RV Insurance DISCOUNT offered by FMCA.  I mean that's one of the main reasons we join FMCA right?  The Discounts?

FMCA quoted me $1257/yr.  Imagine my shock.  I read over my Allstate policy and it's pretty good.  Not a lot of exclusions.  Not any more than some others I've been reading about on this forum.  FMCA quote had a $2500 deductible.  Allstate's deductible was $500.

Needless to say I'm disappointed with the "discount" I was given through FMCA.  With the purchasing power of THOUSANDS of RV owners I'm not sure anybody is profiting over this deal except the insurance companies and the kick backs given to FMCA for all the policies sold to it's members. I was one guy buying a policy from Allstate.  FMCA represents THOUSANDS of members and this is the best pricing structure they can offer?  Again, I'm disappointed.

Curtis Smith

2006 Holiday Rambler Ambassador

40' Diesel Pusher

Ringgold, GA.

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I don't think that a "discount"was offered. A lot of your premium is based on where you claim as residence, your coach, your toads, number of years driving the coach and probably the most important thing is your credit score.

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Try State Farm. 1-800-782-8332 or National....I have the first one, Linda has the other.  The rest is all based on what Don said.

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We've been with Allstate for 45+ years - home and auto.  Our Allstate agent explained that RV insurance with them is like insuring a car.  When it comes to valuing it for something major, the settlement will be based on depreciated market value.  Other companies that specialize in RV insurance plans handle things differently.  If you purchased your  RV new, you might get list price or replacement value for "X" number of years.  In other cases, you can establish a stated value policy for your RV and if the insurance company agrees, that is what you will receive if the unthinkable happens.  From our own experiences, RV policies like this seem to run between $1200 or so up to $3000 annually.  As stated by others, where you live, your insurance history, credit score among others things will impact your rate.

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asundstrom.  I have had, Allstate cover my $400K Allegro Bus under their "Platinum" policy, $3,600 year, my cost replacement.  Perhaps you need another agent or another insurance company!  Insurance is like stocks...don't fall in love with them!  Enron comes to mind.

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I have Safeco RV insurance and my policy premium went form $1610 last year to $1994 this year with no claims, no tickets, no changes at all.

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Costs are going up d the weather has a lot to do with it. Last year several hurricanes, tornadoes and hail. This year more of the same. Just look at the most recent damage from hurricane Michael in FL panhandle. There is going to be a lot of major claims from that which will drive up premiums next year for all. Insurance is based on large pools sharing the costs for all.

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