Insurance

[Tom Warner]

John actually setting insurance rates for an individual is a rather
complicated procedure. Two people living on the same street driving the
same motorhome and insured wtih the same company may pay widely differening
rates.
Now they not only take into consideration accidents and speeding tickets,
but your credit rating. The credit rating FICO number seems to be a big
factor now.

I am insured with Progressive and have $300K $500K liability, collision
full glass with a $1M umbrella policy and its $503.

tom
1982 FC35
Vernon Center,NY

At 08:36 AM 5/25/2005 +0000, you wrote:
>This topic seems to come up every so often on these forums and a lot
>of well meaning replies are given, but one thing that doesn't seem to
>be mentioned is, that insurance rates are very sensitive to where you
>live, even within a given state, so comparing the rates that one pays
>in one state to where another individual lives, or as the insurance
>people like to say, where the insured vehicle is garaged, is almost
>useless for comparison purposes.
>
>To give you an example for instance, here in the state of South
>Carolina, one of the most expensive insurance states, thanks to our
>legislature and a lot of uninsured motorist, the insurance rates vary
>depending on what county that you live in. I live six miles outside of
>the greater metropolitan area of Columbia, SC the state capital and I
>pay the same rate as if I were living in downtown Columbia, just
>because I live in the same county. I can go about 100 miles from here
>and cross the Georgia state line and get a substantial savings, if I
>lived there.
>
>When I had my business and I was on the road for almost 90% of the
>time and hardly ever traveled within the state of South Carolina,
>other than to leave from and return to home, I still had to pay the
>same rate. the cost of commercial insurance for that vehicle was a
>major factor in my decision to retire completely from that business
>and close it down after over thirty years.
>
>Since I am a lifetime member of the Good Sam club, I have all six of
>my vehicles insured, with the exception of my Motorcycle (they don't
>offer it here because of the no helmet required law, even though I
>always wear one, for the past 21 years) through their insurance
>program, which is with GMAC and have had a very good working
>relationship with them on claims in the past and I am satisfied with
>their rates, compared to other insurers in this state. I believe that
>GMAC also offers insurance through Camping World.
>
>Just be sure you are not comparing apples, to oranges when asking for
>insurance rate comparisons, especially from state to state.
>
>
>"REMEMBER SEPTEMBER 11, 2001"
>John Finn
>'82 35FCRB
>BLUEBIRD WANDERLODGE
>TO VISIT THE "FINN'S INN EXPRESS" REMODELING ADVENTURE
>GO TO;
><http://www.pbase.com/image/24977457>http://www.pbase.com/image/24977457
>'66 SUPERIOR / IH 392 GAS V8 32' PUSHER "FOR SALE"
>SEE THE OLD COACH AT:
><http://www.pbase.com/image/26052733>http://www.pbase.com/image/26052733
>HOPKINS, SOUTH CAROLINA
>
>//////////////////////////////////////
>
>--- In WanderlodgeForum@yahoogroups.com, "Bob Lawrence"
> wrote:
> > I dunno...what do you pay?
> > Bob Lawrence
> > 84 PT36 (Whirlybird)
> > Tacoma, Wa
> >
> > > Hi All
> > > We are wondering if anyone has a better deal on insurance than we
> > > have, it seems ours keeps going up with no accidents or citations.
> > We
> > > are with State Farm and have been for about 60 years.
> > > Dick & Carolyn Sevey 83 fc 33 Pahrump, Nv.
>
>
>
>
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