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Old 01-30-2013, 05:35 AM   #1
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Insurance Good Sam vs Allstate

We are picking up our new to us motor home (Tiffin RED 34) next week. Thanks to a great number of folks on this board we have great info for making the jump. I expect I will have a few questions and stories shortly.

We are looking into a number of matters, but our first and foremost action item is insurance. I have gone out and run a number of locations. My stick house and all other matters are handled by my Allstate agent including blanket liability etc. I requested a quote from him. The odd thing is his quote was about 600 dollars a year and GMAC was 1300. Now I know there can be some differences. We have the same liability coverage. The only thing I figure is GMAC has a full replacement policy. Allstate says they will find a similar one and provide that payment of full loss. (depreciated value I assume). Not sure I need full replacement but considering it.

I am a believer in you get what you pay for. So I figure Allstate may not include something I may want and I also Figure GMAC may be a bit high.

Policies have 1k deductible, 250/500 liability.

Allstate also offered their roadside for 99 a year. I know most use Coachnet or Good Sams. Would like your opinion on their roadside if anyone has any experience.

Thanks for any help in advance.

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Old 01-30-2013, 06:14 AM   #2
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I have had Good Sam (GMAC), for my over-all, RV insurance, for about two years now and have been satisfied with them. My coverages, about $1500 a year, actually went down $75, even after a claim, covering a blow-out and body damage as a result of the blow-out. I also have GS, as my emergency provider. Had to call them twice (once for water in the fuel and again, for the blow-out). They were right there for me. They (the service co.) took my damaged tire off the inside dual and put my unmounted spare on, with no additional charges to me. I have no experience with Coach-Net, but I hear that other RV'ers like them alot.

Roland & Jerri, with Maggie & Mollie, our Pups; '05 Fleetwood Providence, 39' DP; '08 Saturn. "The difference between genius and stupidity is genius has it's limits" (Einstein)
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Old 01-30-2013, 06:36 AM   #3
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Allstate also offered their roadside for 99 a year. I know most use Coachnet or Good Sams. Would like your opinion on their roadside if anyone has any experience.
From RV travel news letter: RV Travel Newsletter: December 29-January 4. Issue 566 | RV Travel
Got Good Sam Road Assistance? Then know your service will continue to be supported by Allstate Roadside Services under a renewed agreement between Good Sam Enterprises and the Allstate through 2019. The collective claims 30,000 tow and service providers nationwide.

I have had Allstate RV Road Help for 18 years. Pay $109 a year now. That comes with a free KOA 10% discount card. Have used them for tire blow outs, lock out, tow on pick up, dead battery, etc. Very happy so far with their service.

I don't have their vehicle insurance because they don't have Full Time. I do have GMAC but not the full replacement. Pay $1,100 year.
Check on the full replacement, may only be good on new for 5 years.
99 Discovery 34Q ISB
2014 MKS AWD EcoBoost Toad
Fulltime Since "99"
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Old 01-30-2013, 06:36 AM   #4
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We have had Good Sam's in the past, then Allstate, and now we are with Blue Sky. We have not had a claim with any of them so can't comment on that. Just that Blue Sky gave us the best coverage for the money.
R & E
No RV at the moment
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Old 01-30-2013, 01:21 PM   #5
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We just got a quote from state farm where we have all our other policies, it was over the phone so not exact but was like 327 every 6 months, so about the same as yours
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Old 01-31-2013, 05:39 PM   #6
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That amount of difference makes me suspicious too. So does $600 for liability/collision/comp on a brand new motorhome, but if you have blanket liability coverage thru them, that may explain the difference. Did the agent provide a breakdown of the coverages and amounts? If not, ask for it.

I suggest you get a few more quotes - try National Interstate, maybe contact the Gilbert Agency (Orlando RV specialists), try Progressive, The Hartford, etc.
Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
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Old 01-31-2013, 07:13 PM   #7
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Two words - National Interstate. I'm yet to find anybody that beats their coverage / price combination. I'm with USAA for all my other insurance but their agent, Progressive was three times as expensive as National. I compare Good Sam, Progressive and GMAC every year. I usually get a $50 gift card for the effort but they are all always way more expensive than National Interstate. Give them a call.

Randy and Tina & pups: Cinnamon, Cookie & Coco
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