I recently went though the process of getting better rates. I posted the story I think. But if not here's the story of the process and what I learned.

I insured my coach with Interstate through Explorer Agency, their in house agent. For years the premiums stayed the same despite the substantial depreciation we all suffered. So this year I inquired about my coverage. The gal at Explorer was less than forthright and told me that if I went from a ACV (actual cash value) which was established when I bought the coach based on the purchase price, to an agreed value based on current market prices and an appraisal I might actually end up paying more.

She hedged when I asked hypothetically if I had an agreed value of $XXXXX what my new premium would be. So I started shopping. I connected with Marlene at the Miller Agency who also was an Interstate agent and she educated me to the real world. If you insure your coach based on the purchase price, the insurance company will not change your premiums based on depreciating market values despite the fact they will pay you market value and not the ACV listed on your policy. So I got appraisals from two POG sponsors who know the coach and submitted them to Miller Agency.

She got a quote for a renewal based on the appraised value and I saved over $400. Explorer's gal also requoted, but got it wrong (the error was Interstate's fault), requoted and did get it right, but by then based on the excellent service from the Miller Agency I renewed through them.

Now my coach is insured for what I believe to be a fair market value and my premiums reflect that.

I shopped insurance knowing I really did not want to leave Interstate because they did so very well after our first bus's fire. Despite the quality of Interstate's coverage nobody else was as competitive.