Good Sam Insurance - Good or Not?

[JavaJelly]

I am currently w/Progressive and they have been very good. I've had one claim w/my old coach and it was seamless. Also, have them for my cars.

However, they seem real expensive. Good Sam sent me a pitch letter that looks good.

I am not a full timer and don't have the time or patience for drawn out claim processes and don't want to worry about the fine print in the coverage.

Any insights and/or experience is greatly appreciated.

[JavaJelly]

I am currently w/Progressive and they have been very good. I've had one claim w/my old coach and it was seamless. Also, have them for my cars.

However, they seem real expensive. Good Sam sent me a pitch letter that looks good.

I am not a full timer and don't have the time or patience for drawn out claim processes and don't want to worry about the fine print in the coverage.

Any insights and/or experience is greatly appreciated.

[RustyJC]

We switched from State Farm to Good Sam VIP vehicle/RV insurance a couple of years ago. In our case, they saved us about $400/year over State Farm for our entire rolling fleet (less motorcycle) and include RV-specific features such as 5-year full replacement coverage. The insurance is actually provided by a GMAC subsidiary.

I've seen other posts here stating that Good Sam VIP was substantially higher than what the posters were paying, so the only way to see if it makes economic sense is probably to get a quote. I haven't had to use the coverage (knock on wood), so I can't comment on the claim service aspect yet.

Rusty

[JavaJelly]

Just spoke w/them and they offer big discounts for folks who store like I do. Saving me around $1,000. And, I'm not over 50 and do have an accident w/in the last 3 years.

Have already received some positive PMs and posts.

I haven't switched yet. Still looks like it's too good to be true.

Is towing reliable, or at least as reliable as CoachNet (maybe they are the same)? Are claims easy to get through?

Otherwise, can't see a reason not to switch.

[RustyJC]

The Good Sam ERS (emergency road service) is, at least in my case, a separate product from the Good Sam VIP vehicle insurance. I'm sure there are some dissatisfied users here and there, but the general comments I've heard have been overwhelmingly positive. Again (knock on wood), I've never had to use the ERS so I can't offer a first-hand comment on their service.

Rusty

[MonacoMama]

We have had GoodSam/GMAC Insurance for over 10 years. I have had a couple claims without any problems -and the price is so much better than anyone else around.

They aren't empty promises...

[Jimbo8264]

We had Good Sams GMAC for five years. Every year they went up some. This year I checked around and got some other quotes. Progressive came in the lowest for same coverage. After doing the same with our car and house insurance I ending up changing all but one. Seems to me they give low first quotes and increase over the years. So I now will requote everyear. Its easy with the internet.

[glfprncs]

I just got an estimate from them today, and while it's a smidge higher than Progressive--$50--(who we're with now), I may go with the GMAC insurance. First, the deductibles are MUCH lower than what we have currently, AND, the new quote includes knowledge of the speeding ticket my husband just got in October. The Progressive insurance went up 33% with his first ticket (which is now almost 2 years old), and with his 2nd ticket, I fear another fairly dramatic increase. Depending on the change, I may go with GMAC, and rethink a year from now when the 1st ticket is off his record.

[JavaJelly]

As mentioned, my big savings was with Sam's charging less when in Storage.

When I'm acvtively using the coach Sam's is higher on a monthly basis but, my cost over a year is dramatically lower.

[Jestme13]

Jimbo, they all low ball ya to get ya roped in, then they start twisting the rope. Typicaly Progresive is the cheaper provider, if they go up, start shopping.
Java, how do they handle it when ya want to use the rig when it's in the lay up period.

[Kazoo Tom]

Our insurance is an RV specific policy through auto owners. We have our insurance through an independant agent locally. It is significantly cheaper than quotes I got from Good Sam, Progressive and others. It also includes the ability to switch to "storage" insurance on a month to month basis saving me even more. Check all sources there are some very reasonable deals out there.

[JavaJelly]

Regarding switching from storage to usage. Per Good Sam rep.

You can switch between storage & usage whenever you want. However, you must be in one mode or the other for at least 30 days.

If you are in storage mode and need to drive the unit for repairs or another reason, you call them and they grant 24 hours of coverage, then it returns to storage mode.

Sams warned me not to forget to call or change over. If you have an accident while in storage and don't notify them you are driving then no coverage.

[JavaJelly]

Forgot to mention. Regarding switching from storage to usage, Sam's rep told me many customers put a piece of paper in front window to remind them.

I suppose it's similar to the antennae up reminders many of us use.

[campernut2]

Our Coach is with Progressive. However! you must ask a lot of questions when you get the quote. They put me down as the owner and had my initial credit history starting 12 years later than it had. That raised the premium $125.00 a year. I proved otherwise and got the 125.00 off! Ask them lots of questions on what the use information wise to price that quote!!!
Another part of the problem is that the dealer had listed me first on the loan and I am younger than my husband so it cost us more money. We have State Farm on our other vehicles but they wouldn't give replacement cost coverage on a new coach so we didn't go with them.