I've written a few things about Progressive and my insurance experience
, but wanted to share this latest chapter since my van insurance expired at 12:01 am today. Keep in mind that is about 7 hours before I got up this morning, so I should have been a bit frantic to get insurance. Luckily I was oblivious and thought I had until midnight.
Anyway, I called up our new Farmer's agent, anxious to take advantage of the discount from having both home and auto under their company. Unfortunately they no longer offer RV insurance, and whether or not I lost the discount the best they could do on the Sportsmobile was $1168 annually. That's including a deductible hike and lowering the agreed value.
Since that is considerably higher than Progressive ($729/year), I decided to call Good Sam. I've read good things about them on here, so it was my next option. Still thinking I had until midnight, I had a nice long conversation where the agent insisted on quoting ALL my vehicles, not just the expiring van. The entire thing was moot as, again with slightly worse coverage, the van insurance came in at $980/year, and the other vehicles were an even greater expense above Progressive, enough to put me in the same overall ballpark as Farmers when considering having all three insured together. Since we're adding a 4th soon, that was even worse news.
Incidentially I asked about trailer coverage and Good Sam has precisely $0 comprehensive or collision for trailer or contents, although you can buy separate insurance if you want. Conversely Progressive has a $500 cap on anything related to trailering, and Farmers used to cover my whole trailer and whatever I was transporting under my vehicle policy (although that has probably changed these days).
Anyway, the gist is that I renewed my Progressive policy after all, and despite my issues and misgivings with them, came to the conclusion that that is my best option at this time. I was impressed all around that I could get such thorough information Christmas week, one because my agent is working and the other two because they have representatives available all the time. I like the idea of Good Sam, especially their RV coverage, but they just couldn't compete on rates for my situation.