AsheWolf: It looks like the terms are about the same as your policy, but the premiums are almost double – that makes me think I might get a better rate if I look into coverage on my own. But this is Illinois so who knows? that might have something to do with it as well. Right now, the use is defined as: “recreational use less than 30 days/year” – that sounds pretty fair.
Dave: I also don’t plan on traveling to Mexico – however, it’s “included” with comprehensive/collision – might be something to negotiate.
Sarah: Good point about what's covered under the auto insurance – the "collision” portion is 1/3 of the premium price – we'll have to sit down with our agent and hash out the details. Don't know if Progressive v. Travelers will be an issue - I know you're treated better when you have all your kittens under one umbrella. He also has the purchase price a little high – he included the cost of the DC fridge which I think should be considered a "personal effect" since it's not actually attached to the camper - who knows, maybe there's a premium step-up once you go over $20,000.
One point I should mention that I hadn’t considered until now: about a year ago, my husband’s (17-year-old) son backed into a parked car while he was “guest” driving my car – we didn’t file a claim for the damages to my car, but naturally the other owner did. I’m not sure how that will affect my step-son when he tries to get auto insurance, but I was told that we were probably going to see a premium increase at the next billing cycle. We couldn’t use accident forgiveness because he wasn’t listed as a household resident on our policy (he lives with his mother, but I doubt he’s listed on her policy, either). These higher premiums may reflect that accident.
Thanks for all the feed-back. Of course, I want to make sure we have adequate/appropriate coverage, but it’s interesting to see the spectrum of policy premiums people are paying – I’d rather be somewhere cozy in the middle, rather than burning out there at the high end....
