Reviews and General Information: Insurance

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Insurance

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Category: R-pod Discussion Forums
Forum Name: Reviews and General Information
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URL: http://www.rpod-owners.com/forum_posts.asp?TID=12862
Printed Date: 28 Apr 2024 at 8:53pm
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Topic: Insurance

Posted By: mdballou
Subject: Insurance
Date Posted: 22 May 2019 at 9:51am

Hi, just wondering if anyone can tell me about how much Insurance should run. Buying an R=Pod for just under $17,000 and quote is $300 a year. Is that about average and are there questions I should ask the agent? Thank you.

Replies:

Posted By: lostagain
Date Posted: 22 May 2019 at 10:06am

Rates vary by state and the coverages and limits you purchase.

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Never leave footprints behind.
Fred & Maria Kearney
Sonoma 167RB
Our Pod 172
2019 Ford F-150 4x4 2.7 EcoBoost

Posted By: StephenH
Date Posted: 22 May 2019 at 10:26am

Check with your auto insurance provider to see if you can get it added on to your policy. You may find that to be a cost-effective solution. We have Central Mutual Insurance and did that. When we had an accident, the RPod was covered so the repairs cost us only $200 for the deductible (plus a trip to the factory to pick it up when it was done).

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StephenH
Happy is the man that findeth wisdom,...

http://www.rpod-owners.com/forum_posts.asp?TID=7712 - ouR escaPOD mods
Former RPod 179
Current Cherokee Grey Wolf 24 JS

Posted By: EchoGale
Date Posted: 22 May 2019 at 10:49am

Mine's a 2016 and in Fl I pay about $250.

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Julie

Posted By: GlueGuy
Date Posted: 22 May 2019 at 12:11pm

I don't remember the actual number, but IIRC the total was a little over $200/year. It was associated with the insurance on our TV, and was considered a "rider" of sorts.

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bp
2017 R-Pod 179 Hood River
2015 Ford F150 SuperCrew 4WD 3.5L Ecoboost

Posted By: furpod
Date Posted: 22 May 2019 at 2:13pm

What anyone else pays, has nothing to do with what you pay. That said, our Pod was $120 a year.

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Posted By: David and Danette
Date Posted: 23 May 2019 at 1:18pm

Ones driving record and the location you live will make a difference in cost of insurance. When I lived in Miami my insurance was very high because of a high rate of law suits in that area. If you live in a low populated rural area your insurance will be lower.

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2018 Vista Cruiser 19BFD (2018-
2012 Vibe 6503 (2014-2019)
2009 r-pod 171 (2009-2014)
Middle Tn
2014 Ram 1500 Quad cab

Posted By: podwerkz
Date Posted: 23 May 2019 at 3:12pm

Things like your state and county of residence, your estimate of how much you use the trailer per year, where it will be parked or stored, your age, driving record, insurance history including claims and of course, your chosen deductible and coverages....all affect the premium.

Mine is about $200 a year. Ouch, but cheap compared to a total loss.

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r･pod 171 gone but not forgotten!

Posted By: mattb19us
Date Posted: 12 Jun 2019 at 10:02am

We just purchased a new 195 and are waiting delivery. While we are waiting we are looking at insurance options, and $520/yr is the cheapest we are finding!

Posted By: GlueGuy
Date Posted: 12 Jun 2019 at 10:26am

Yikes! That must be a gold-plated plan! Ours is < $200 per year. We got it as a rider to our tow vehicle (my previous post was incorrect; we just did the annual renewal).

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bp
2017 R-Pod 179 Hood River
2015 Ford F150 SuperCrew 4WD 3.5L Ecoboost

Posted By: lostagain
Date Posted: 12 Jun 2019 at 2:57pm

Insurance rates and mandatory coverages vary by state, the driver, the number of policies issued (i.e. multiple vehicle and homeowner discounts), the risk to the ins. co., the value of the trailer, etc. Given that Montana has no daytime speed limit, it is not surprising that insurance is more costly. When things crash at high speeds, insurance companies end up paying out more money. In lovely metropolitan Dayton, NV, we pay about $125 a year, but we have speed limits strictly enforced [especially for non-locals] and are getting out third, yes third!, stop light.

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Never leave footprints behind.
Fred & Maria Kearney
Sonoma 167RB
Our Pod 172
2019 Ford F-150 4x4 2.7 EcoBoost