[360]

I tried State Farm as I've been with them for 30 years on auto/home with zero claims, but on an older coach it just didn't work as the premiums were way out of whack. SF asks as part of the intake process "what was MSRP", not what you paid for it or what you think the value is. Does not matter if the coach is new or 30 years old and they say there is an algorithm that adjusts the value on their end. Seemed like total hogwash as there is no way an algorithm can accurately value a 20 year old in my case super low volume coach with no book value. So that said the premium was double most everyone else I checked. The funny part of the story is that some SF agents don't ask MSRP, they are asking what did you pay for it or what it the current market value of your coach and basing their premiums off of that number. SF corporate confirmed it would be considered fraud by the agent, but they seem to have no interest cleaning up their books.