I've had pretty good luck finding better rates with The Zebra. Some rates were pleasantly surprising. I think some insurers likely give better rates when it is clear you are shopping around. I'm in the same boat as you, retired, no tickets, safe driv...

Try close to 300%. I had full coverage insurance through The Hartford on a motorhome last year for $290 +/- and was just quoted $1100 +/- for a similar motorhome. I have since received a quote elsewhere for better coverage for $430, $392 if I pay in ...