Journey with Confidence RV GPS App RV Trip Planner RV LIFE Campground Reviews RV Maintenance Take a Speed Test Free 7 Day Trial ×
RV Trip Planning Discussions

Go Back   iRV2 Forums > MOTORHOME FORUMS > Class A Motorhome Discussions
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  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 07-03-2022, 01:36 PM   #1
Senior Member
 
eastern1's Avatar
 
Join Date: Jul 2020
Posts: 110
Insurance Advice Needed

My current policy with Safeco renews August 3 and I am NOT renewing with them after the horrendous experience I had with their so called "Roadside Assistance" last week. I am a Good Sam member but I am looking for a reliable carrier that actually performs roadside assistance rather than just claim to provide it.

I would appreciate any recommendations from members of companies that have done well for you.

Thank you
__________________
2020 Newmar Ventana 4002 DP
2019 Ram Toad
eastern1 is offline   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 07-03-2022, 01:41 PM   #2
Senior Member
 
Join Date: May 2010
Posts: 930
Is the question looking for insurance recommendations or roadside assistance provider recommendations?

Many/most use a separate entity for roadside assistance.

Coach-net or SafeRide are generally the 2 recommendations.
__________________
2017 LTV Unity U24CB
2003 Foretravel U320
1999 Lazy Daze 30IB
spuds is offline   Reply With Quote
Old 07-03-2022, 02:39 PM   #3
Senior Member
 
eastern1's Avatar
 
Join Date: Jul 2020
Posts: 110
Quote:
Originally Posted by spuds View Post
Is the question looking for insurance recommendations or roadside assistance provider recommendations?

Many/most use a separate entity for roadside assistance.

Coach-net or SafeRide are generally the 2 recommendations.
I would prefer to have one carrier for collision, liability and roadside assistance but if splitting them is the better way to go then I will do that. I want to be able to pick up the phone when I need help and know it will be coming.
__________________
2020 Newmar Ventana 4002 DP
2019 Ram Toad
eastern1 is offline   Reply With Quote
Old 07-03-2022, 02:58 PM   #4
Senior Member
 
Join Date: Dec 2013
Location: Lake Havasu City, AZ & Plover, WI
Posts: 5,432
The answers will vary by region and individual preferences. Years ago I had Foremost Insurance that covered the coach and roadside assistance all in one policy. They performed well in both cases for me. However, when their rate jumped to twice what I could get elsewhere I switched to another company. Currently, I have Geico for the coach and Coach-net for roadside assistance. Both companies have been great in response to claims. Both have exceeded my expectations. Other companies have quoted rates 2 to 3 times what I pay now. Every region and individual seems to vary widely for the same coverage. What's right for me, might be wrong for you. Unlike 20 years ago when we renewed with the same company's, due diligence every year comparing rates and companies in necessary today.
__________________
2013 43 QGP Allegro Bus
2013 Avalanche
2000 AEV TJ
Crasher is offline   Reply With Quote
Old 07-03-2022, 03:44 PM   #5
Senior Member
 
astrnmrtom's Avatar
 
Join Date: Sep 2013
Location: Pacific Northwest
Posts: 1,637
Gonna be hard to get a good answer. Most road side assistance programs are just access to a call center that contracts with various tow companies. They pay the bills at an agreed rate. Like a lot of these types of services, the call center has no control over the service provider. If the only tow company within 100 miles is Joes towing, it's up to Joe to either be a good tow operator or not. It's also up to Joe to accept a reduced insurance payment over a cash customer. If Joe is swamped, or gets a call from a customer that will net a lot more money, he might push your tow down the list, and there's nothing the insurance call center can do about it. Same if Joe doesn't have a truck that'll handle a huge class A, or doesn't show up at all. I believe this is why roadside assistance customers report wildly differing opinions as to the quality of service from the provider. They may be dealing with one call center country wide, but it'll be a thousand different tow companies making the tow. Oh, and just because Larry's towing shows up in the phone book, it doesn't mean Larry accepts contracts from your insurance. You might be able to get Larry there much quicker than Joe, but you'll have to pay Larry cash and you may not get paid back by your insurance carrier.

I've had Coachnet for years and have used them twice. Once for a car breakdown in a remote area, and one for a motorcycle breakdown. Both times I was taken care of in a timely manner. Same with road side assistance through Progressive.

I chose the Coachnet based on what they cover. They cover all my vehicles and any vehicle I've rented borrowed or leased. There's also no milage limits for a tow to the nearest qualified repair service - not just to nearest repair facility - Like Joes gas station and auto repair who's never worked on an RV.

I've read many stories of unhappy irate roadside assistance customers that were caused by the customer buying a policy without really reading the fine print then finding their breakdown isn't covered. Others who were left by the side of the road, not because of the insurance company, but because of the tow company. Keep in mind a lot of tow companies contract with law enforcement and those calls will most likely take priority over your call. Stuff can happen between the time you can and are told helps is on the way, and the time they really show up.

Good luck with whoever you go with. Oh, and I apologize to all the Joes and Larrys out there for using you as an example.
__________________
Tom M. 1998 Safari Serengeti 3706,
300HP Cat 3126 Allison 3060, 600 watts of Solar.
Fisher and Paykel Residential refrigerator
astrnmrtom is offline   Reply With Quote
Old 07-03-2022, 04:01 PM   #6
Senior Member
 
Join Date: May 2010
Posts: 930
Quote:
Originally Posted by astrnmrtom View Post
Gonna be hard to get a good answer. Most road side assistance programs are just access to a call center that contracts with various tow companies. They pay the bills at an agreed rate. Like a lot of these types of services, the call center has no control over the service provider.
I don't know of any roadside assistance companies that operate their own servicers. They all contract to tow companies. At least the RV-specific ones tend to contract with businesses familiar with towing RVs.


Certainly no insurance companies operate tow trucks or mobile mechanics.
__________________
2017 LTV Unity U24CB
2003 Foretravel U320
1999 Lazy Daze 30IB
spuds is offline   Reply With Quote
Old 07-03-2022, 04:22 PM   #7
Senior Member
 
dmctlc's Avatar
 
Tiffin Owners Club
Retired Fire Service RVer's
Join Date: Apr 2017
Location: Port Charlotte (South Gulf Cove), Florida
Posts: 699
Insurance I've moved around some from Safeco which is a Liberty Mutual company in Mass. to Allstate in Florida till they're rates jumped to Progressive then when I bought my latest Coach I have National General. No experience though a few years back I found out though there's no deductible when you get a windshield replaced Florida Insurance Companies figured out a way to charge you extra the following year. Though it's cheaper to have them pay for it I don't know how long I get tagged with a mark on my insurance costing me a few hundred extra a year. Any way National was by far the cheapest with seemingly great coverage though I hope never to have to use it. Again I have Coachnet but haven't had to use them either yet. Like mentioned earlier it depends on where you break down they all seem to have issues.
__________________
Dana & Terri along w/ Shadow our 6 y/o Cocker Spaniel
2016 Tiffin Phaeton 44OH
Our Toad: '17 Lincoln MKX
dmctlc is offline   Reply With Quote
Old 07-03-2022, 04:49 PM   #8
Senior Member
 
Join Date: Nov 2011
Posts: 365
National General and Coach Net. National General just replaced my windshield an with OEM about two months ago at no cost.
__________________
Marc
2013 Thor Palazzo 33.2
2013 Honda CRV
mlpeloquin is offline   Reply With Quote
Old 07-04-2022, 05:36 AM   #9
Senior Member
 
eastern1's Avatar
 
Join Date: Jul 2020
Posts: 110
Quote:
Originally Posted by mlpeloquin View Post
National General and Coach Net. National General just replaced my windshield an with OEM about two months ago at no cost.

Seems like Coach Net has the most recommendations. My current underwriter is offering Safe Ride which I also see positive comments on.
__________________
2020 Newmar Ventana 4002 DP
2019 Ram Toad
eastern1 is offline   Reply With Quote
Old 07-04-2022, 09:11 AM   #10
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 25,174
My personal opinion is that since they became part of National Motor Club (NMC), Coach Net is no better than GS or any other.


astrnmrtom gave the complete and accurate answer. All the roadside assist programs are at the mercy of the local tow/tire service provider. Their only choice is to not do business with them, i.e. the choice between poor service and no service. Your chance of getting mediocre (or worse) roadside service is pretty much the same regardless of who your carrier is. If you happen to break down in the wrong place or time, it's gonna suck no matter who you bought from. And if you need to be towed to "the nearest qualified RV repair shop", the only qualification is that the shop claimed they could do the repair, probably without even knowing what the problem is.


As for insurers, Allstate is the only insurer that actually operates a roadside dispatching service (Allstate Motor Club) and they also market that service through other organizations under various private brand names. Other insurers contract with NMC, Saferide, etc. and the extent of their involvement is a dedicated phone line at the dispatcher.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
Gary RVRoamer is offline   Reply With Quote
Old 07-04-2022, 09:23 AM   #11
Senior Member
 
Sgt B's Avatar


 
Winnebago Owners Club
Freightliner Owners Club
Join Date: Jun 2021
Location: North Fort Myers, FL
Posts: 125
Quote:
Originally Posted by Gary RVRoamer View Post
My personal opinion is that since they became part of National Motor Club (NMC), Coach Net is no better than GS or any other.


astrnmrtom gave the complete and accurate answer. All the roadside assist programs are at the mercy of the local tow/tire service provider. Their only choice is to not do business with them, i.e. the choice between poor service and no service. Your chance of getting mediocre (or worse) roadside service is pretty much the same regardless of who your carrier is. If you happen to break down in the wrong place or time, it's gonna suck no matter who you bought from. And if you need to be towed to "the nearest qualified RV repair shop", the only qualification is that the shop claimed they could do the repair, probably without even knowing what the problem is.


As for insurers, Allstate is the only insurer that actually operates a roadside dispatching service (Allstate Motor Club) and they also market that service through other organizations under various private brand names. Other insurers contract with NMC, Saferide, etc. and the extent of their involvement is a dedicated phone line at the dispatcher.
Have had many insurers over the years; was a big USAA guy till I moved to FL and their rates were excessive. For my RV I've had GEICO, Good Sam, Progressive, and a few others. Kept raising their rates, am now with National General, that is until they raise their rates to some ridiculous amount. I have had Coach Net for my RVs since 2002, and love them. Have used them a few times, one was a tow of a 36'MH. They cover all my vehicles, even rental cars. They will even send someone to my House and change a tire in my driveway!!
__________________
Jim & Nancy
2018 Forza 34T/2012 Mini Cooper
FMCA 309217
Sgt B is offline   Reply With Quote
Old 07-04-2022, 08:05 PM   #12
Senior Member
 
George Schweikle's Avatar


 
Join Date: Apr 2004
Posts: 3,381
Google: In July 2020, Allstate announced it was acquiring National General for $4 billion. The deal closed in January 2021.

I had a windshield on my previous motorhome replaced by National General in July 2021. No problems, my rate didn't go up, and I'm using this company for our current coach.
__________________
George Schweikle Lexington, KY
2005 Safari (Monaco)Trek 28RB2, Workhorse W20, 8.1, Allison 1000 5 spd, UltraPower engine & tranny, Track bars & sway bars, KONI FSD, FMCA 190830, Safari Int'l. chapter. 1999 Safari Trek 2830, 1995 Safari Trek 2430, 1983 Winnebago Chieftain, 1976 Midas Mini
George Schweikle is offline   Reply With Quote
Old 07-04-2022, 09:31 PM   #13
Junior Member
 
glen-bob's Avatar
 
Tiffin Owners Club
Join Date: Dec 2015
Location: Gulf Coast, FL
Posts: 17
Insurance

Several things will affect insurance. Location, driving history, type of license (saved 20%) by renewing my CDL, past claims even credit score. Over the years weíve had USAA, Progressive, National General and now GEICO. Nat Gen was cheapest, easy to use when we had a claim. However, they dropped us when our previous coach reached 12yrs old. Moved to Progressive however, when we made the move to FL the increase was steep. For us GEICO was a better rate then the discount was icing on the deal. Overall, company losses in a geographical area will impact rates also.
As for roadside assistance, when we moved to class A in 2001, we went with the RA offered through FMCA. Our experience using them with a breakdown requiring a long tow, lodging with pets, repair was not only easy. The filing process for reimburseable expenses was simple, they were quick to pay. Understand they all use regional contractors for towing and roadside repairers. Not all are pleasant to deal with as some will not do RVís. Example to tow a class A the drive shaft must be removed or loaded onto a lowboy trailer. Some are apprehensive about that. Same thing with the big trucks I drive, some areas breakdown is to the rescue DPQ. Others you may wait hours. Bottom line I think you could have both positive and negative experience with any of these companies. Itís going to depend on the contractor providing the actual service.
__________________
Glen, Betty and Oreo who loves the view from the Big Windshield
13 Phaeton QBH ISL 380, Toad: 2018 F-150 4x4
RVing since 98, USN (ret) 2009
glen-bob is offline   Reply With Quote
Reply

Tags
advice, insurance



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


Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance shout-out for Overland Insurance OWV MH-General Discussions & Problems 5 07-26-2018 09:52 AM
Advice Needed: how to figure turning area needed SavageCatHV Class A Motorhome Discussions 38 02-23-2018 09:50 AM
Health insurance supplement insurance jacks647 iRV2.com General Discussion 29 04-16-2014 05:18 PM
Health Insurance - Texas High Risk Insurance Pool - How to choose an area mrschwarz Full-Timers 0 07-27-2011 04:48 AM

» Featured Campgrounds

Reviews provided by


All times are GMT -6. The time now is 04:12 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2022, vBulletin Solutions, Inc.