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Delivery vs flying out and driving a 40 foot coach home myself: insurance, the per-mile math past 1,000, and what the driver checked

Started by first_coach_at_67, Aug 13, 2025, in Buying and auctions. 6 posts.

first_coach_at_67OP
Pull-Through Asheville, NC 2017 Winnebago Journey 40R 5 posts, joined Aug 2025
#1

Walt, Asheville. retired from the county schools, bus garage, so i've driven big things, just never one i lived in. my wife passed two years ago and this is the trip we didn't get to take. i won a 2017 Winnebago Journey 40R in June on a sealed bid through m&a. it was at a lender yard outside Salt Lake City. carol asked me to write down how i got it home, because that was the hardest decision of the whole thing.

the math. Salt Lake to Asheville is about 2,000 road miles. the first 1,000 miles of delivery cost nothing and each mile beyond runs 70 cents, so roughly 1,000 extra miles came out to about 700 dollars on the invoice. against that, flying out myself: a one-way ticket around 290, a cab to the yard, then 2,000 miles at maybe 8 miles a gallon is 250 gallons of diesel, at the 3.70 i was seeing that's over 900, plus four or five nights at campgrounds, plus food, plus a week. call it 1,600 and a week of my life on I-70 and I-40 in a coach i'd never driven, over the Rockies first thing.

so it wasn't close. i took the delivery the m&a people offered. it showed up 15 days after my wire.

insurance. this is the part nobody told me. my agent said to bind coverage the day the wire goes, with the VIN, not the day it arrives. once that money moves, it's my coach, even if somebody else is driving it. it cost me two weeks of premium on a coach i hadn't seen. cheap for the sleep.

what the driver checked. he called the day before. when he got here he walked around it with me with a clipboard, the same sheet he'd filled out at pickup, with photos on his phone from the yard. tires, every panel, the windshield, the mirrors. he wrote the odometer down in front of me. 2,061 miles more than the listing. we both signed. then he showed me the jacks and the slides and where the generator start is, which i didn't expect. took about 40 minutes.

quartzsite_january
Back-In Bend, OR 2020 Winnebago Forza 38W 6 posts, joined Jul 2025
#2

going to be the contrary one. Walt, i'd have flown out. not for the money. 2,000 miles is the best way to learn a coach you'll ever get. you'd have found out what rattles, how it handles in wind on I-80 in Wyoming, how the jacks behave on a slanted site in Nebraska, all with nothing else to do but learn it. instead you'll learn it on your first trip with somewhere to be. that said, the Rockies in a coach you've never driven is a real thing to think about.

coach_life_since_2015
Rally Regular Livingston, TX 2015 Tiffin Allegro Bus 45LP 9 posts, joined Jul 2025
#3

both of you have a point. the thing i'd add for Walt is on that insurance policy. ask the agent if it's agreed value or actual cash value. on a coach you bought below retail, actual cash value means if it's totaled they pay what they think it's worth, which could be less than you paid. agreed value costs a little more and you both write the number down now.

first_coach_at_67OP
Pull-Through Asheville, NC 2017 Winnebago Journey 40R 5 posts, joined Aug 2025
#4

Marv, i called. it was actual cash value. switched it to agreed value at what i paid for it, using the M and A invoice as the number, 112 dollars a year more. thank you. quartzsite, you're not wrong, and my daughter would agree with you about the learning and disagree about everything else. i took it out to Lake Julian and back twice this week. it's big. the bus garage helps.

cummins_coach_tech_dale
Camp Host Elkhart, IN 2009 Ventana, and whatever is on the lift 6 posts, joined Jul 2025
#5

Walt, the driver checks the outside and the paperwork. after any 2,000 mile delivery drive, check these yourself in the first week: engine oil and coolant cold, the Allison fluid hot on the dipstick or the shift pad readout, tire pressures cold with your own gauge against the weight chart, and the generator hours against the listing photo. if the generator hours jumped, somebody ran it a lot on the way, which is fine, but you want to know.

mod_carol_h
Moderator Sioux Falls, SD 2017 Thor Aria 3901 6 posts, joined Jul 2025
#6

Walt, glad you wrote this one. the 70 cents past 1,000 question comes into the mailbox more than any other buying question, and now i can point at a real number. when you do your first trip, post it here. and read the New Aire thread if you haven't, the m&a coach in Yuma just did 2,100 miles and came home with a cracked windshield, which is the other thing nobody budgets for.

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