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Old 01-04-2008, 05:59 AM   #1
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We got another mailer from Good Sam a day or two ago about GMAC insurance and how much money it can save us plus all of the various additional features,i.e. full replacement price of the RV for up to five model years, ability to turn the policy on and off when you store it or use it, etc.

We are wondering if anyone has this policy and, if so, what your opinion of it is. Is it worthwhile or should it go in the round file with the rest of the junk mail?

They claim to be able to save us several hundred dollars a year on top of all the added benefits, some of which I mentioned above. Is this a case of "There ain't no such thing as a free lunch" or is it a good policy?

Your opinions are appreciated. Thank you.
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Old 01-04-2008, 05:59 AM   #2
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We got another mailer from Good Sam a day or two ago about GMAC insurance and how much money it can save us plus all of the various additional features,i.e. full replacement price of the RV for up to five model years, ability to turn the policy on and off when you store it or use it, etc.

We are wondering if anyone has this policy and, if so, what your opinion of it is. Is it worthwhile or should it go in the round file with the rest of the junk mail?

They claim to be able to save us several hundred dollars a year on top of all the added benefits, some of which I mentioned above. Is this a case of "There ain't no such thing as a free lunch" or is it a good policy?

Your opinions are appreciated. Thank you.
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Old 01-04-2008, 06:16 AM   #3
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Skipsor...I can only compare the quote for my RV here in CT. We had GMAC quote our RV and they were twice as much as any other quote we got. We went with FMCA and found them to be "seamless" for the transition from our former
underwriter and they were less expensive by a few bucks with better coverages. As previously stated above, do your research carefully. Good luck.
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Old 01-04-2008, 06:39 AM   #4
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I've had a couple quotes from them in the past and the "savings" were zero or negative. I just got the same flyer and will probably give them another shot at a quote - I always shop around before renewing - but am not anticipating they will have a bargain for me.

We use National Interstate, purchased through ExplorerRV.com
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Old 01-04-2008, 06:57 AM   #5
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When we lived in NH Progressive was cheaper than GMAC. In SD Gmac is cheaper than Progressive.
I have had two claims - one on the toad and one on the motor home - both for for hail damage.
The slide toppers were holed and the car was pock marked.
They sent me a check for the slide toppers (three or four hundred dollars) but sent the check for the car ($3800) to the dealer that was going to repair it.

The Winnebago factory in Forrest City IA replaced the toppers for a little less than the check. (I got the 10% WIT discount)

The claim service was okay but they initially sent the car check to our insurance broker in SD even though I was going to have the car repaired in CO.
The hail damage occurred in Nashville TN and the adjuster was there. I don't think they had any experience dealing with full timers in that office.
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Old 01-04-2008, 07:47 AM   #6
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skipsor,get a quote and then you will see if you want this insurance. Thats what I did and they were $650.00 a year more than the Progressive insurance I have.

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Old 01-04-2008, 08:41 AM   #7
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GMAC has worked for us the last four years. As stated costs vary by where you live. One thing they did do was try to raise my coverage higher each time it renewed the first few times. Just forced me to call them each time asking they put coverage back where it was. When checking around each year the only ones cheaper or the same price for us did not allow us to reduce coverage when laid up for the long MN winter. That cost reduction when laid up seems to be the difference for us anyway. I will price shop harder when we retire and can go year round.
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Old 01-04-2008, 11:38 AM   #8
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In my zip code it is double what I pay Progressive. GMAC keeps sending me their mass mailings. I determine if I want their free gift. If I do, I call, get a quote and two months later the free gift arrives.

It's kid of funny that the last mailing had my zip code highlighted and mentioned how much GMAC could save me!
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Old 01-04-2008, 05:16 PM   #9
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I've asked for several quotes from GMAC and they have always been several hundred $$ more expensive than Progressive and a few hundred $$ higher than Foremost her in Texas. I don't think GMAC GS can same me anything but might ask for a quote. I have asked FMCA for a quote so I can compare.
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Old 01-05-2008, 05:14 AM   #10
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GMAC was more expensive than Progressive for me but, the fact that I could turn it off made it much cheaper. I switched. Then I found out in New York you can't turn off insurance on any vehicle unless you surrender the plates. Then to turn it back on you have to go back to the DMV and pay something to get them back or get new ones issued.

Savings is not worth it. I am switching at next renewal back to Progressive.

That said, I do believe that GMAC has one of the most complete programs for internal and external contents.
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Old 01-05-2008, 07:05 AM   #11
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Scott,
I think you are right about GMAC's coverage but we also faces some of the DMV issues you noted in your post.
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Old 01-05-2008, 10:54 AM   #12
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<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by JavaJelly:
I switched. Then I found out in New York you can't turn off insurance on any vehicle unless you surrender the plates.
</div></BLOCKQUOTE>

IN NY you only have to keep liability, you drop the collision. I do this and I'm registered in PA and have GMAC. I save ~$45 a month. We're in FL for the winter and I've dropped my collision but keep the liability. States only require liability coverage. Many NYers only carry liability on older vehicles.

The only entity that cares about collision is your finance company if you do not own the coach.

-Tom
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