Go Back   iRV2 Forums > MOTORHOME FORUMS > MH-General Discussions & Problems
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
Thread Tools Search this Thread Display Modes
Old 01-30-2013, 05:35 AM   #1
Senior Member
Join Date: Mar 2011
Posts: 156
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.

deasnealy is online now   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 01-30-2013, 06:14 AM   #2
Senior Member
gripper's Avatar

Fleetwood Owners Club
Join Date: Nov 2009
Location: Lutz, FL
Posts: 757
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)
gripper is offline   Reply With Quote
Old 01-30-2013, 06:36 AM   #3
Senior Member
Triker56's Avatar
Fleetwood Owners Club
Join Date: Jun 2009
Posts: 3,699
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"
Triker56 is offline   Reply With Quote
Old 01-30-2013, 06:36 AM   #4
Senior Member
OSP1268's Avatar
Join Date: Oct 2010
Location: Central Florida
Posts: 524
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
OSP1268 is offline   Reply With Quote
Old 01-30-2013, 01:21 PM   #5
Senior Member
LDP243's Avatar
Join Date: Jan 2013
Posts: 109
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
LDP243 is offline   Reply With Quote
Old 01-31-2013, 05:39 PM   #6
Moderator Emeritus
Gary RVRoamer's Avatar

Fleetwood Owners Club
Freightliner Owners Club
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 16,446
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
2004 American Tradition; 2014 Buick LaCRosse
Homebase in the Ocala Nat'l Forest near Ocala, FL
Gary RVRoamer is offline   Reply With Quote
Old 01-31-2013, 07:13 PM   #7
Senior Member
f14av8r's Avatar
Winnebago Owners Club
Freightliner Owners Club
Join Date: Jul 2010
Location: Tampa Area (sometimes!)
Posts: 333
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
2010 Winnebago Journey 34Y
Freightliner / Cummins 340hp ISB, 2014 Ford Focus
f14av8r is offline   Reply With Quote


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

» Virginia Campgrounds

Reviews provided by

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities

Copyright 2002-2015 Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 08:48 AM.

Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.