Airstream is an excellent travel trailer that has become an American icon among vacation goers. Each Airstream trailer is good on the inside as it looks on the outside, with outstanding comfort, excellent navigation features, and the leading technology when it comes to safety on the road.
Since this is a worthy investment, you need to think about the best way to protect it. So, how much does Airstream insurance cost? What are the factors that affect your insurance cost? Keep on reading to find the answers to these questions.
How Much Does Airstream Insurance Cost?
Airstream trailers are known for their distinctive shapes and outstanding performance. These trailers come in various options and can cost as low as $47,000 or as high as $164,000. The cost of the trailer differs according to its size and the options that it offers.
As a result, the cost of Airstream insurance will vary drastically. On average, your trailer insurance will cost something between $200 and $500, depending on the type of your trailer and the options you choose to cover in the insurance.
Some buyers stick to the standardized package, while others prefer a more customized plan. In all cases, paying for trailer insurance is a wise decision, especially if you’ve bought a new one.
How to Save On Your Insurance Cost
Since there are multiple options when it comes to choosing your trailer’s insurance, there are a few things that you can do to lower the quote.
- Shop around. Just because someone told you about an insurance company doesn’t mean that you need to sign a deal with them. However, if you do some research, you might get a better offer.
- Maintain good credit history. This will help you get a good quote for your insurance and will lower the payments.
- Choose the best insurance and not the cheapest one. You need to make sure that the company is reputable and reliable and that they offer insurance plans that address your needs.
- Check for the cost online and not on the phone. When you ask questions on the phone, the person answering you might not explain all the options to avoid confusion and save time. Online, you can actually customize your insurance plan to cover only the factors that matter to you.
- If possible, raise your deductible. This means that you will make lower insurance monthly and yearly payments.
- Check the value of your trailer to see if paying for insurance is worth it. An older trailer should at least be worth 10 times the value of the insurance. Otherwise, it won’t be a brilliant idea to insure it. In most cases, people would consider paying for insurance when they’re buying a new trailer.
What are the Factors that Affect the Trailer Insurance Cost?
Picking the right auto insurance for your Airstream trailer might not always be the easiest decision. You want to make sure that you’re paying for an appropriate plan that will work for you when it’s needed. Here are some factors that affect the overall trailer insurance cost.
- Trailer insurance costs vary by state and by zip code within the same state. This is related to the cost of living in your area. So if you live in a zip code area with high living expenses, you will probably pay more money for your insurance.
- A travel trailer’s insurance is more affordable than the insurance of a Class C camper. However, a Class A camper will cost more.
- The condition of your trailer will affect your insurance premiums. This is not necessarily related to age. If you take good care of your old trailer, you might end up paying lower premiums than someone who has a beaten-up trailer of a newer model. When your trailer is in poor condition, the insurance company expects that you will file a claim on it sooner than later.
- The cost of your insurance will depend on your experience in driving trailers and RVs. Since RVs and trailers are big and more challenging to maneuver than regular cars, your insurance providers need to make sure that you’re able to control them.
- Having a clean driving record, especially while driving your trailer, means that your insurance company will most likely make a good offer.
- If you drive your trailer for more extended periods, you will probably pay more for insurance. Insurance companies believe that the more your drive, the more likely you are to file a claim.
- The company will adjust the premium cost based on where you drive your trailer. If you drive your trailer in an area that is considered to be dangerous by the insurance provider, you will probably end up paying more.
Factors to Consider While Choosing Trailer Insurance
After getting many quotes, it’s time to make a decision. Choosing between different insurance companies can be a little challenging since you want to make sure that you’re getting a good deal. Here are a few factors to think about before signing an insurance contract.
- Think about the replacement cost. Some companies offer a complete replacement cost, while others will only provide the actual value of the trailer at the time of making the insurance claim. Most trailer owners choose the full replacement cost in case their trailer crashes after a few years.
- Consider adding bodily injury insurance. In most cases, the difference in the insurance payment isn’t that significant, but you can get more than $200,000 in case of a bodily injury.
- Roadside assistance is an exciting addition to your insurance plan. Since you will be traveling with your family and friends, a company that offers roadside assistance will be a great choice to guarantee your peace of mind.
- Think about getting your personal effects covered. Generators are quite expensive, and they get stolen a lot. Getting a quote that covers stolen generators will come in handy if you have to pay for a new one.
Wrap Up
Getting your trailer insured will protect your investment and provide you with peace of mind as you enjoy your time with your family and friends. The average cost of insuring your Airstream trailer can be lowered if you shop around for the right insurance provider.