Converted Cargo Van RV Insurance

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2TheStreet

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FYI - Since I converted my chevy express 3500 cargo van into a camper van I decided to change my insurance coverage type from regular auto coverage to RV coverage because I wanted to make sure all of my additions including solar would be covered. To my surprise my insurance will go from $308 every six months to $308 every year! A savings of $300 a year! On top of that all of my additions are covered. Just thought I would pass along this information.
 
Very cool!  Which insurance company are you using?  A National big name company, or regional?  Did they require certain 'permanent' items installed to classify as an RV?
 
RV's are not considered daily drivers, so your liability goes down...
 
Awesome. May I ask which company? As long as it isn't progressive, I would be interested.
 
All I can say is 'You lucky dog you'!

As a resident of Ontario I will never be able to do that with my converted van.

The best I will be able to do is to have appraised value insurance put on it so that in case of loss I'm not fighting with the insurance companies as to what the van is worth.

I will still have to carry tenants' insurance to cover the contents.

Oh to be living stateside again!!
 
I Stateside is ok for certain things but pedestrian safety isn't one.  I spent a few weeks up north, crossed into BC and walked in a couple big towns and smaller cities.  When it comes to traffic lights, this is what I noticed in general:

Up in BC, a yellow light normally means "I'm stopping for you pedestrians".  In Phoenix, that's when you hear the tranny downshift and drop a couple gears as the car pegs the rpm limiter...

Red there is no fool in', you've stopped.  Red in Phoenix just means count to 5 (cars, pickups and semis going by) then hope you can get across.

Pushing the crossing button up there usually means the signal will change pretty quickly, like within about 15-20 seconds, even if it's a main road.  In Phoenix, I timed it once, took almost 3 minutes to change, and that's with cross traffic waiting as well.

This was with the run of the mill pedestrian in the crosswalk, not just Dusty.  I'd expect that people would stop due to the front end damage their vehicle would sustain if they hit me.  Not too many want their ride totaled.
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"I knew I should have stopped for Dusty"
 

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State Farm for everything. They are the best, imo, and I've had many different insurance companies over the years. Progressive is crap, stay away! Geico is good too but State Farm was cheaper.
 
Just my case, been with state farm 38 years, never ever had an issue with a claim and I have had a few. Just recently totaled my 06 chevy HHR.,
I did my home work thinking they would low ball me, hah Glad I did because they high balled me. Gave me 1100.00 more than I would have asked for.
Claim was settled in 7 days. I have no complaints and even if I could save elsewhere, it would not add up to poor service as I have read about.

Again just my 2cents on my insurance.
 
2TheStreet said:
State Farm for everything. They are the best, imo, and I've had many different insurance companies over the years. Progressive is crap, stay away! Geico is good too but State Farm was cheaper.

I've been thinking of changing my insurance for a while now, from regular vehicle insurance to RV insurance.
Question for you; what requirements did State Farm ask of you? Were you required to have certain things in the van to pass as an RV? Which ones? Did you have to change the vehicle registration also?
Thanks!
 
Just for a balanced perspective on State Farm. I live in the Black Forest of Colorado. Many of you heard about the major fire we had 2 years ago - 509 homes burned. We were fortunate that it didn't quite get to my neighborhood. From the people I've talked to, which is a lot as I was heavily involved in the recovery effort, State Farm was by far the toughest company to deal with. Many people were still fighting for a reasonable settlement a year later, and most had to hire attorney's. They did have some of the lowest rates, which is why so many went with them, but when it came to a catastrophic loss they just were not good to deal with. It also seems USAA was the best to deal with if you qualify for their insurance ( usually only active and former military ).
 
masterplumber said:
Just for a balanced perspective on State Farm. I live in the Black Forest of Colorado. Many of you heard about the major fire we had 2 years ago - 509 homes burned. We were fortunate that it didn't quite get to my neighborhood. From the people I've talked to, which is a lot as I was heavily involved in the recovery effort, State Farm was by far the toughest company to deal with. Many people were still fighting for a reasonable settlement a year later, and most had to hire attorney's. They did have some of the lowest rates, which is why so many went with them, but when it came to a catastrophic loss they just were not good to deal with. It also seems USAA was the best to deal with if you qualify for their insurance ( usually only active and former military ).

Hey MP, I just drove by your area, down from Parker on 87. Is there any truth to the oft repeated rumor that it was the VFD that really allowed that fire to blow up? Conspiracy theorists want to know...

I'm with USAA and yes they are pretty good, but more expensive it seems. That's the rub, we who buy insurance are betting we will have an insured loss and they are betting we won't. Then, sometimes, they don't pay. I've got 9 years of claims adjusting experience and stories to tell, but that's for another day... :D
 
Very interested to know how/what company was used. I tried to do this for my converted school bus a few years ago, progress gave me a great deal on insurance. Then, about a week later they dropped me and I was out of luck.
 
USAA does not cover Motor Homes or RV's, they act as agents for Progressive. Supposedly I am getting a better rate (and it is cheap)by going through USAA but it is not USAA.
 
I wanted to convert a step van into a camper and could find no insurance. My auto carrier , (Geico), would not cover it, I was not a business, so commercial carriers would not cover me, and the van had not yet been converted so no rv insurance carriers would cover it. The RV carriers said once it had a bed, kitchen and toilet they would, but they would not give me an estimated price. I lost interest in spending a lot of time and money to end up with being at the mercy of just a few insurance carriers.
After that I became interested in an old ambulance built on a ford f350 frame. Allstate said they would insure it as an rv. I decided against the ambulance in the end. Now I have a pickup with the bed removed and a flat bed on it. My plan is to now make a camper to put onto the flat bed.

My opinion only here. I refuse to do business with progressive. I had a motorcycle insured with them full coverage. When it was stolen in three years they said how do we know you didn't steal your own motorcycle. It was the first time any insurance company had insinuated my claim was fraud. How was I supposed to prove it wasn't? Then after three months they only wanted to give me half of what it was worth.
 

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