Rivian Insurance - Jump to Front

[jeremysteenblik]

I did not try bundling through Rivian. I had Kim too, and she said it would make a big difference and that they would/should be competitive with the State Farm policies. Guess i need to decide on whether to make a total switch or stick it out for a few months and then make change at end of the year. Did you make the switch upfront or are you going to do it at end of year? State Farm agent says there is no "off road" specific policy coverage rider and that if something happened while off roading it would be covered under the collision. Here is his quote

" There is no coverage specified for “off roading” If you were off roading and you collided with a rock, log, earth mound, etc and damage occurred to the truck, you would pay your collision deductible and State Farm would repair the truck. In that scenario, depending on the damage paid out you could receive Safe Driver Incentive policy points (3 SDIP points is the most you could receive from a single accident) that charge for a 3 year period."

I have no clue with the SDIP points means. Is that a penalty so then for the next 3 years I'm paying more? I'd just cancel at that time if it was the case. Without bundling, and without the 22 year old being the lead driver on a standalone Rivian policy, the Rivian insurance was still like $150/month. Bundling she thought would bring it down in range of the $68/mo from State Farm.

Kim is great.

When she quoted a bundled policy thru Rivian it was only about $40 more per month for me for the car. Bundling brought it down a whole lot. I, unfortunately, can't bundle my mountain home because Nationwide wont do fire coverage. But everything else, I'll likely switch over and bundle to take Rivian insurance.

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