Abel, I appreciate your input on this one.  I have found that if you have a
full Westy another great choice is Progressive Insurance.  You have to
insure it as an RV but the insurance for a year in NJ is under $400.  You
can do an agreed value and all they require for it to be considered an RV
is that it has a permanently mounted stove or sink.  Also for just a few
more dollars a year you can get their break down/towing coverage which I
have found to be very good.  No need for AAA membership and it is I think
around $30 extra a year.

Any one else want to chime in?

Ken

On Fri, Sep 1, 2017 at 2:09 PM, Abel Longoria <houstonphotog@gmail.com>
wrote:

> I spoke to no less than 13 companies when looking for insurance... I wanted
> 3 things.
>
> 1. Unlimited annual miles
> 2. Ability to camp in vehicle
> 3. Agreed Value policy based on appraisal
>
> I went through State Farm, insured as an RV..
>
> They gave me all 3 items I wanted and they accepted the Value
> Opinion/Appraisal that I got from Gowesty for $250 found here:
>
> http://www.gowesty.com/product-details.php?id=23894
>
> I pay about $63 a month for the policy and its agreed value is $40,000.
>
> A lot of classic car insurances limit you to like 1,000 miles a year. Yea
> that doesn't work for me. Sure some people try to lie about their mileage
> but I didn't want to give any insurance company a loop hole to get out of
> covering my van in case of a totaled incident. I'd rather have all of my
> ducks in a row and be on the up and up so if it does happen they can't
> wiggle their way out of paying up. Some insurance companies don't allow you
> to camp in the vehicle. Another deal breaker for me.
>
> Biggest stickler to be considered an RV was the fact that the vehicle has a
> toilet in it. I have a Thetford marine toilet, Insurance company states
> that
> all it needed. I explained it was not a permanent fixture but a floating
> one and she said their policy doesnt state it needs to be fixed/mounted. So
> I am good.
>
> Anyways... This is the info I've found and worked on for months...
>
> On Fri, Sep 1, 2017 at 1:05 PM, David McNeely <davmcneely40@gmail.com>
> wrote:
>
> > Every time I have discussed "agreed value" insurance with an agent or
> > company representative the upshot has been that I can have unrestricted
> use
> > of my vehicle, with maximum payout in case of an accident being the
> lesser
> > of market value (defined by the company) or cost to repair (again defined
> > by the company), or I can have "agreed value" insurance but with greatly
> > restricted use.  One unacceptable restriction is that it can only be
> driven
> > on paved roads.  Another is that it cannot be driven more than a certain
> > number of miles per year, and then only for explicit purposes.
> >
> > I have found no company that would sell me a policy with an "agreed
> value"
> > without those restrictions.
> >
> > If you know how to get "agreed value" insurance without the restrictions
> on
> > use, please let us all know.
> >
> > And please don't say that one can get "stated value" insurance and avoid
> > the restrictions.  I have discussed stated value insurance, and
> discovered
> > that the companies will be happy to sell you a policy with a "stated
> > value," but that the coverage is still for the lesser of current market
> > value or cost to repair (again defined by the company), stated value not
> > withstanding.  All "stated value" means is that you told the company that
> > you believe the vehicle to be worth that amount.
> >
> > mcneely
> >
> > On Fri, Sep 1, 2017 at 9:01 AM, kenneth wilford (Van-Again) <
> > kenwilfy@comcast.net> wrote:
> >
> > > That is why you want to have them fully insured with "agreed value"
> > > insurance so that if something like this happens you get all of the
> money
> > > you need to buy another one and you don't have to worry about
> accidents.
> > >
> > > Ken
> > >
> > > On Fri, Sep 1, 2017 at 11:47 AM, Don Hanson <dhanson928@gmail.com>
> > wrote:
> > >
> > > > I just heard from a Vanagon acquaintance who sold his Westie for
> ~$20k.
> > > > He narrowly avoiding a serious smashup that would have totalled it.
> > > >  Someone offered the big bucks and he decided to move to a different
> > van
> > > > and no longer risk using his very  valuable Vanagon like he always
> > has...
> > > >      Yes, the  Vanagons are "in"... kiss em goodbye as cheap utility
> > > daily
> > > > drivers...
> > > >
> > >
> > >
> > >
> > > --
> > > Thanks,
> > > Ken Wilford
> > > John 3:16
> > > www.vanagain.com
> > >
> >
>

--
Thanks,
Ken Wilford
John 3:16
www.vanagain.com