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mcarter View Drop Down
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Joined: 07 Apr 2016
Location: Greenbrier, TN
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Posts: 3419 		Direct Link To This Post Topic: Insurance?
    Posted: 17 Feb 2019 at 5:00pm
Tearless,

Not sure you can get an answer here. Insurance rates are very flexible based upon where you live. Get estimates, but appears you are getting a bundle rate, which in my mind is good. A single policy would probably more expensive and who wants multiple insurers. As an example my insurance in rural TN doesn't compare to same coverage in Nashville. I bundled with USAA and I'm content with that.
Mike Carter
2015 178
" I had the right to remain silent, I just didn't have the ability."
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Joined: 06 Sep 2016
Location: Quaker Hill, CT
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Posts: 2587 		Direct Link To This Post Posted: 17 Feb 2019 at 4:42pm
Premiums vary widely from state to state and even within states.  The best thing to do is ask different companies for quotes.  In some states the TV and trailer are insured on the same policy, while in others they are separate.  When comparing prices, be sure to also compare the coverages you are getting so that you are comparing apples to apples.  
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Fred & Maria Kearney
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Our Pod 172
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Joined: 25 Jan 2019
Location: Spanish Fort AL
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Posts: 85 		Direct Link To This Post Posted: 17 Feb 2019 at 8:57am
I got this from my auto insurer.   It seems a bit high to me. It is attaching it to my 2014 Ford F150 XLT  .

What are your thoughts?


Thank you for requesting a GEICO RV quote.

To provide coverage for your 2017 R-Pod 180, we would add the RV to your
existing auto policy. Based on the information you provided, your
six-month policy premium will be $538.14. This is an increase of
$176.86. This quote includes the following coverage:

   ·         Your existing auto policy liability limits
   ·         Comprehensive and Collision with a $500 Deductible
   ·         Vacation Liability at a limit of $10,000
   ·         Replacement Cost for Personal Effects at a limit of $5000
   ·         Emergency Expense Allowance at a limit of $1,000
   ·         RV Medical Payments at a limit of $1,000
   ·         RV Roadside Assistance
Tearless Tom
2017 R-Pod 180
2014 Ford F-150 XLT 2WD 5.0
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jato View Drop Down
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Joined: 23 Feb 2012
Location: Kewadin, MI
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Posts: 3221 		Direct Link To This Post Posted: 10 Feb 2019 at 7:59pm
Pioneer State out of Lansing, Michigan.  Bundled with our car insurance we have full towing, comprehensive, $ 1000.00 deductible for collision, and theft for a total of $ 76.00/year.
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Joined: 12 Oct 2017
Location: Omaha Nebraska
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Posts: 328 		Direct Link To This Post Posted: 10 Feb 2019 at 5:36pm
USAA all the way!
Chuck & Lyn
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Joined: 09 Sep 2018
Location: Northern IL.
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Posts: 98 		Direct Link To This Post Posted: 09 Feb 2019 at 4:40pm
We have a stand alone policy through State Farm and I also carry AAA for road emergency. If you are thinking of getting AAA make sure you get the plus RV coverage.
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mcarter View Drop Down
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Joined: 07 Apr 2016
Location: Greenbrier, TN
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Posts: 3419 		Direct Link To This Post Posted: 09 Feb 2019 at 2:12pm
We have USAA on vehicles, home and Pod. Also have roadside assistance with them. Bundling makes it a bit cheaper.
Mike Carter
2015 178
" I had the right to remain silent, I just didn't have the ability."
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Joined: 08 May 2018
Location: Minn
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Posts: 163 		Direct Link To This Post Posted: 09 Feb 2019 at 8:47am
Greetings:
I have American Family.  It's separate coverage and costs about $45 a month.  I did check locally on insurance and found they are all pretty close in cost.  I live in a small town in S MN. I have AAA for roadside, both the TV and TT.  They will flat tow both for up to 200 miles free.  Not cheap but when your closing in on 79, You want someone to come and take care of things.

Crankster78
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Joined: 26 Feb 2016
Location: Texas
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Posts: 1407 		Direct Link To This Post Posted: 08 Feb 2019 at 11:28am
We added our 179 to our Liberty Mutual auto policy as another vehicle. The premiums for collision and comprehensive are $314/year (insurance is a little on the expensive side in Texas); liability is covered by our TV's insurance.
Alan
2022 R-Pod 196 "RaptoRPod"
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Joined: 09 Jan 2019
Location: E. TN
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Posts: 196 		Direct Link To This Post Posted: 08 Feb 2019 at 6:52am
Farm Bureau full coverage added to our car policy was $72 a year. 
2016 R-Pod 176T
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