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Author Topic: Tires and Insurance  (Read 678 times)

Joffers

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Tires and Insurance
« on: December 09, 2019, 01:38:11 PM »
Hi All

This forum as been so helpful in my quest to date and so hoping for some advice around tires and insurance on a 2004 RV I just bought. Its a Winnebago Chalet / MinnieWinnie.

Tire size is LT225/75R16. Looking for suggestions on what to stay away from -  what's bottom, middle and top end. I will be sticking to highways, back roads but not going hardcore crazy boondocking (didn't even know that was a word and so I'm using it frequently to catch up).

And Insurance, are there particular companies that know RVs. I ask because my usual insurer had zero clue when I bought a 1972 old car and so I went to a company that did.
With a price tag of under $10,000 do people just get liability (you're covered for hitting someone else)? or add Total cover (you're covered for both others repairs and your repairs). I understand the risks etc of each but just like to hear what other people do.



Gary RV_Wizard

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Re: Tires and Insurance
« Reply #1 on: December 09, 2019, 03:01:40 PM »
TIRES: There are lots of good choices in 16" LT tires.  I'd skip the premium brands like Michelin, Bridgestone, Continental and Goodyear and look at second tier brands such as Toyo, Sumitomo, Cooper, Yokohoma, Hankook, Firestone (a Bridgestone brand), or BF Goodrich (a Michelin brand).  They combine top quality standards with moderate prices.

INSURANCE: These days all the big insurance brands know enough to write RV-specific policies that provide house-like coverage as well as the vehicle.  YOU need to figure out what coverages and amounts and deductibles you want, though.  Few company sales agents know much except selling more coverage to earn more commission.    As RV specialist agency such as Millers RV Insurance can help you some and also seek out better pricing from among their carriers, but don't be afraid to ask why you need a coverage they suggest. And shop around for prices - different companies have widely differing structures for their premiums and it's not unusual for one company to be 1.5x or 2x another. 


COLLISION & COMP:  If your RV is valued at $10,000, I would think you would want collision and comprehensive coverage on it.  Obviously there is a premium cost to be considered, but most of us would hate to lose a $10,000 asset.  And it doesn't take much damage to "total" an RV these days.  Make sure you know the value the insurer will pay, though.   Actual Cash Value (ACV) is often less than what you paid.
« Last Edit: December 09, 2019, 03:03:20 PM by Gary RV_Wizard »
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

Joffers

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Re: Tires and Insurance
« Reply #2 on: December 09, 2019, 05:20:43 PM »
Thanks - That's really helpful.


decaturbob

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  • Living on Tioga Time
Re: Tires and Insurance
« Reply #3 on: December 10, 2019, 09:25:37 AM »
cost me $500/year full coverage on my Class C  RV under my state farm insurance
proud to have a 2008 Tioga 31M MH towing a 2010 Ford Escape around America

donn

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Re: Tires and Insurance
« Reply #4 on: December 10, 2019, 10:40:29 AM »
Hankook has had a really good repitation for years.  They dont get a lot of press, but truckers really like them for price and durability

TheBar

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Re: Tires and Insurance
« Reply #5 on: December 10, 2019, 10:58:55 AM »
I put a set of Hankooks on the 73 truck I've owned since 82. Smoothest riding tires ever. Like riding in a hot air balloon. They are now 6 years old and still retain the air pressure better than any other brand I've owned. I'm very impressed with them.
Retired factory automation computer programmer
Cabin fever solution: 30' Class C and Starcraft popup
DW loves camping more than I do

ArdraF

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Re: Tires and Insurance
« Reply #6 on: December 10, 2019, 03:48:07 PM »
I always recommend getting medical coverage as part of your RV insurance package.  Ours paid off when I fell off a ladder while cleaning the motorhome and broke my elbow which required three surgeries and lots of physical therapy.  When we went to the emergency room they asked how it happened and as soon as we mentioned the words cleaning the motorhome the lady said our motorhome insurance would pay first and then our regular medical insurance would pick up after that.  They paid the first surgery and hospitalization, no questions or problems, and then the remaining bills went to my regular health insurer.  We increased the medical part of our RV insurance to the maximum with the next renewal.

ArdraF
ArdraF
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