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Old 05-08-2013, 11:39 AM   #15
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Taking the new out of your Interstate

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Originally Posted by Protagonist View Post

One good thing out of this mess… the break-in took the "new" right out of my Interstate. You know how, when you buy a new vehicle, you just absolutely dread the first little teensy bit of damage, no matter how minor, so you're careful to the point of paranoia, right up until you get that first door ding or whatever? After the break-in, I wasn't worried about stuff like that anymore!
I know what you mean... I had a mishap last month when a piece of metal came flying off the flatbed truck in front of me on the Ohio Turnpike. Fortunately it only it took out the drive's side head light assembly. I was able to replace it myself for about $400. I carry a $1000 deductible to keep my premiums low so it was my cost. But the "new" is really gone now.

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Old 05-09-2013, 01:49 PM   #16
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Hi, I think your insurance on this vehicle would be high enough without the business and rental part added. Business vehicles need a very high liability on them and some insurance companies don't insure commercial vehicles. I wouldn't advertise it for rent, but if you want to rent it to close friends, I would have them provide a RIDER from their insurance company. [ my experience on this, somewhat dated, is from owning a vehicle for running a business from and from renting a motorhome once]
Good Advice! Thx.
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Old 05-09-2013, 01:54 PM   #17
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Yes. I was planning to install an alarm anyway, but the thief beat me to it. I ended up getting a better alarm than originally planned, installed by the same automotive audio company that installed the replacement Kenwood unit.

One good thing out of this mess… the break-in took the "new" right out of my Interstate. You know how, when you buy a new vehicle, you just absolutely dread the first little teensy bit of damage, no matter how minor, so you're careful to the point of paranoia, right up until you get that first door ding or whatever? After the break-in, I wasn't worried about stuff like that anymore!

With regard to insurance, by all means check as many companies as you can. gmillerok1 got a better rate from Geico than GMAC, but in my case, it was the reverse, Geico was higher. A lot depends on where you live.
Protagonist, that's a bummer that someone damaged your AI. I am a little concerned of vandalism because is it a high-end vehicle. Has anyone else had vandalism on their AI? I'm surprised that AI doesn't already have an alarm installed considering it's price tag and that owners will be sleeping in it. Should I worry about vandalism and potential safety issues? What alarm have you bought and what basic features did you have?
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Old 05-09-2013, 02:00 PM   #18
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Roadmama, if you're planning to use it for business, rentals, etc., then you need to talk to an accountant to figure out the money end of it. I believe most personal auto policies don't cover renting out your vehicle, for example, and the business part of it would be tax deductible possibly.

For insurance, to reinforce what Protagonist said: Everyone's situation is different, so it's useless to compare policy premiums. There are so many factors that even two people living next door to each other driving the exact same vehicles can have wildly different rates. The best thing to do is call a couple companies and start getting quotes.

Keep in mind some companies will write you a quote based on limited information, then when you get the actual underwritten premium (after they've done their research), it could be much higher. And remember the commercials always say, "People who SWITCH save..." Well, yeah, people who aren't saving money aren't going to switch companies, most of the time.
Excellent points. Have a call into my accountant. I'm just trying to figure away to pay off my AI. My husband is so sweet. Even though he doesn't agree that it's smart for us to get an AI, he is supporting me in my quest to explore and to teach our children how big the U.S. is and how different yet same we are in America. Also, I want them to enjoy and know how to travel and explore. Since the AI is expensive, I am trying to figure out as much ways to defray expenses. You know California is so expensive to live in; taxes are $8.75%!
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Old 05-09-2013, 02:16 PM   #19
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I'm surprised that AI doesn't already have an alarm installed considering it's price tag and that owners will be sleeping in it.
I don't use the alarm while I'm occupying it; don't want to set the alarm off myself. That would really annoy the neighbors, and ruin my sleep, too. When I'm sleeping in it, no one is going to get in without waking me, and anyone who does get in will get a face-full of wasp spray.

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Should I worry about vandalism and potential safety issues?
Because you even asked the question, I'd guess you're at least a little bit worried about it. Do what you need to do to feel safe. If you don't feel safe, it won't be fun. As a rule, though, campgrounds tend to be safer than the places where we store our Airstreams between trips.

My alarm isn't a perfect defense against vandalism. Spray painted graffiti wouldn't set off the alarm but would cost a pretty penny to fix, for example. And even the alarm doesn't help if I'm at work and not at home to hear it go off. But I don't worry about it; that's what I have insurance for, to have them do the worrying for me.

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What alarm have you bought and what basic features did you have?
Viper. Shock sensor (impact, sometimes nuissance-tripped by pounding bass in passing car's stereos and by thunderclaps), glass break sensor, tilt sensor (which also functions as a flat tire alarm as well as detecting if someone's trying to tow it or jack it up), backup Li-ion battery so cutting the main battery cables doesn't silence it, backup siren with its own built-in Li-ion battery so they can't shut it off by killing the horn, eiher. Cost just over a grand, but I figure that <1% of the purchase price of the vehicle is cheap insurance. Didn't get remote start, but could have.

Also, if you plan to install an alarm, tell your insurance company. Two reasons: (1) it may bring down the price of your comprehensive coverage to have the alarm; (2) the insurance policy should cover damage to the alarm system, too, since anyone who does break in will want to disable the alarm, and that will have to be fixed as well.
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Old 05-09-2013, 02:22 PM   #20
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he is supporting me in my quest to explore and to teach our children how big the U.S. is and how different yet same we are in America.
Reminds me of something a British friend of mine once said: The difference between Americans and Europeans is, to an American, a hundred years is a long time. To a European, a hundred miles is a long distance.
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Old 05-09-2013, 06:32 PM   #21
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Another factor in the insurance rate equation is your credit score. They've been using that for a number of years now. Not sure how that correlates w/ your risk level but apparently they think it does.
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Old 05-09-2013, 11:46 PM   #22
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I don't use the alarm while I'm occupying it; don't want to set the alarm off myself. That would really annoy the neighbors, and ruin my sleep, too. When I'm sleeping in it, no one is going to get in without waking me, and anyone who does get in will get a face-full of wasp spray.



Because you even asked the question, I'd guess you're at least a little bit worried about it. Do what you need to do to feel safe. If you don't feel safe, it won't be fun. As a rule, though, campgrounds tend to be safer than the places where we store our Airstreams between trips.

My alarm isn't a perfect defense against vandalism. Spray painted graffiti wouldn't set off the alarm but would cost a pretty penny to fix, for example. And even the alarm doesn't help if I'm at work and not at home to hear it go off. But I don't worry about it; that's what I have insurance for, to have them do the worrying for me.



Viper. Shock sensor (impact, sometimes nuissance-tripped by pounding bass in passing car's stereos and by thunderclaps), glass break sensor, tilt sensor (which also functions as a flat tire alarm as well as detecting if someone's trying to tow it or jack it up), backup Li-ion battery so cutting the main battery cables doesn't silence it, backup siren with its own built-in Li-ion battery so they can't shut it off by killing the horn, eiher. Cost just over a grand, but I figure that <1% of the purchase price of the vehicle is cheap insurance. Didn't get remote start, but could have.

Also, if you plan to install an alarm, tell your insurance company. Two reasons: (1) it may bring down the price of your comprehensive coverage to have the alarm; (2) the insurance policy should cover damage to the alarm system, too, since anyone who does break in will want to disable the alarm, and that will have to be fixed as well.
thx.
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Old 05-09-2013, 11:47 PM   #23
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Another factor in the insurance rate equation is your credit score. They've been using that for a number of years now. Not sure how that correlates w/ your risk level but apparently they think it does.
That's interesting. Thankfully, we have good credit scores. thx.
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Old 05-09-2013, 11:47 PM   #24
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Reminds me of something a British friend of mine once said: The difference between Americans and Europeans is, to an American, a hundred years is a long time. To a European, a hundred miles is a long distance.
So true.
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