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 > iRV2.com COMMUNITY FORUMS > iRV2.com General Discussion
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 11-25-2022, 12:49 PM   #1
Member
 
Tiffin Owners Club
Join Date: Jun 2020
Location: Fairhope, AL
Posts: 66
RV Insurance: Good Sam vs Name Brands

We put our new-to-us Class C Motorhome on our State Farm policy at time of purchase (March 2022). After getting more educated in "all things RV" -- including joining lots of forums, clubs, etc. -- I'm looking into other options for insuring our 2017 Tiffin Wayfarer.

I called the number on the mailer I received after becoming a member of the Good Sam club. After providing all the info requested by the rep, he quoted me a policy from Integon National Insurance Company. I did a side-by-side comparison of the quote against my current State Farm policy and was pleasantly surprised the see covered amounts matched exactly for:
- Bodily Injury
- Property Damage
- Medical
- Uninsured Motorist
- Other Than Collision (State Farm term is Comprehensive)
- Collision
- Emergency

The Good Sam/Integon National policy allows for savings if the insurer is notified the RV will be idle (in storage/not on the road) for periods of time.

As far as cost, annual premium was about half as much as State Farm's ($683 vs $1235). Too good to be true? Please comment if you have personal or anecdotal experiences to share on this topic.
__________________
*********************
Bill & Susan
2017 Tiffin Wayfarer QW (25-feet)
Yooper2 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 11-25-2022, 12:59 PM   #2
Senior Member
 
Join Date: Nov 2013
Location: Elko, Nv
Posts: 2,156
Shop them all, we use Progressive and when they up the price at renewal time i call them and tell them i am leaving and they drop the price back down.
NevadaNick is offline   Reply With Quote
Old 11-25-2022, 07:03 PM   #3
Senior Member
 
Cat320's Avatar
 
Fleetwood Owners Club
American Coach Owners Club
Join Date: Mar 2011
Posts: 6,473
GS will check around an find the best deal for you and your RV. I had them about eight years ago...they kept raising the rates, so I left. It seems all RV insurance companies like to raise the rates just about every year. After GS, I've been with two other companies, like GS they want to raise the rates every year. As a result, I'm now back with GS....and I'll see what they do come renewal time. As an aside, I don't normally go from company to company. I joined a company for auto insurance when I came back from VN in 1968, and am still with them.
__________________
2014 American Eagle 45T
DD 13, 500 HP
Pulling a Honda CRV
Cat320 is offline   Reply With Quote
Old 11-25-2022, 07:58 PM   #4
Member
 
Tiffin Owners Club
Join Date: Aug 2022
Posts: 51
I just got several quotes for our new MH. Range was all over the place with well known companies ($1500 - 4500/year). Going to go with Good Sam. Not the cheapest quote but their policy offers replacement value on the coach, like an agreed value policy on a yacht. We have always shopped around for rv insurance because rates can vary wildly.

Previously had Progressive. Have not experienced the price increase at renewal others have mentioned.
__________________
2020 Tiffin Phaeton 37BH
2017 Jeep Grand Cherokee
oldenavy is offline   Reply With Quote
Old 11-26-2022, 05:41 AM   #5
Senior Member
 
boomersooner's Avatar
 
Join Date: Jan 2017
Location: Augusta Georgia
Posts: 760
Progressive through USAA if you are eligible. My premium has remained relatively stable for 4 years.
__________________
Bob (retired Army CW4) & Brenda (Veteran Army Nurse CPT)
2020 Tiffin Allegro Red 37BA
2020 Ford F150 XLT 4x4 Air Force 1 braking system
boomersooner is offline   Reply With Quote
Old 11-26-2022, 08:56 AM   #6
Senior Member
 
Join Date: Dec 2013
Location: Lake Havasu City, AZ & Plover, WI
Posts: 5,793
Companies we have tried all seem to get you in and then keep inching the rates up till you check around and leave for another. We had been with Progressive, Foremost, Allied, and others. They all played the same game. Then three years ago I checked with Geico for a vehicle. They had the best rate and eventually switched four cars to them for a good savings. When the motorhome policy came up for renewal, Allied wanted $2200 for our 2013 43' Allegro Bus. ($250,000 value at that time) Geico offered a $940 rate for the same 250/500,000 liability, full comp and $1,000 deductible for book value plus 10%. In 2 1/2 years we had two windshield replaced @ $3,000 each and they waived the deductible on both. WE sold the coach in Aug. The premium had gone up to $970/year. They even sent us back a refund on the unused premium. I'll still check the rates at each renewal but they continue to be the lowest . My daughter has been with Geico for over 25 years. Time will tell how it goes for us.
__________________
2013 43 QGP Allegro Bus ( SOLD )
2013 Avalanche
2000 AEV TJ
Crasher is offline   Reply With Quote
Old 11-26-2022, 09:11 AM   #7
Senior Member
 
HighDesert's Avatar
 
Join Date: Mar 2017
Location: Powell Butte, Or.
Posts: 1,420
Quote:
Originally Posted by boomersooner View Post
Progressive through USAA if you are eligible. My premium has remained relatively stable for 4 years.
Interesting, as when I spoke with USAA about RV insurance, I was told they did not provide that service. Is this a new service, or does it vary state to state?
__________________
2017 Tiffin Allegro Red 33AA
Cummins ISB 6.7 L
2008 Jeep Wrangler Sahara
HighDesert is offline   Reply With Quote
Old 11-26-2022, 09:44 AM   #8
Senior Member
 
Join Date: Sep 2019
Location: Colorado Springs, CO
Posts: 773
We had Progressive through Good Sam. After the first year the rate was going up significantly. Got quotes from several others who were just as high. I saw an ad for a place called RVerInsurance. Got a quote that was substantially lower. Interestingly, it's also with Progressive. Same exact coverage through Rver, was over $900 less than through Good Sam.
https://www.rverinsurance.com/rv-insurance-quote/

We have USAA for a homeowners insurance and I knew they sub out to Progressive so I never got a quote from them. I'll do so next year to see how they differ from what we have now. It was very interesting to discover the vast difference in rates from Progressive depending on the third party broker. Even going direct to Progressive was more than the same policy through Rver. My daughter once worked for Progressive and after I asked her about it, she said this is common but most people don't know about it.
__________________
Don & Vicki
2017 Tiffin Allegro Open Road 36LA, F53 chassis, V10
2020 Ford Escape Hybrid SE Sport AWD, RVibrake3, Blue Ox
Donskiman is offline   Reply With Quote
Old 11-26-2022, 09:54 AM   #9
Senior Member
 
UFO Pilot's Avatar
 
Winnebago Owners Club
Workhorse Chassis Owner
Join Date: Aug 2007
Location: Sonoma County, CA
Posts: 6,138
I bundled all my insurance with Hartford AARP and saved over $1000 a year. 5 years now and the premiums have gone down each year. Just had a windshield claim so will have to wait 10 months to see if the rates go up.
__________________
Wayne & Roberta and Maggie the Miracle Dog 08 Winnebago Destination 39W Gas UFO Workhorse Chassis......It's really weird being the same age as old people.
UFO Pilot is online now   Reply With Quote
Old 11-27-2022, 05:13 PM   #10
Decrepit Forum Advocate


 
Join Date: Jul 2003
Posts: 3,772
I believe that Good Sam acts only as an agent (or agency) and will function just like any other broker. They are in the business of selling policies and don't underwrite any actual insurance at all.

Therefore, it may be a bit disingenuous to compare them as if they are an underwriter or insurance carrier themselves.

On their webpage, they actually list the carriers they can write policies for:

Good Sam Insurance Agency

I don't know, though. Am I interpreting that correctly?
Attached Thumbnails
Click image for larger version

Name:	good sam insurance.png
Views:	11
Size:	56.9 KB
ID:	381638  
theroc is offline   Reply With Quote
Old 11-27-2022, 05:21 PM   #11
Senior Member
 
Psneeld's Avatar
 
Join Date: May 2020
Location: Ft Pierce, Fl
Posts: 688
National Insurance through Good Sam was pretty inexpensive the first year but blew by everyone else the second year.

So I called Good Sam and they got me Foremost for several hundred cheaper with the same rates (never exactly but close enough). Had an accident and Foremost was GREAT! thy didn't raise my rates the next year either.

Just bought a newer RV and decided to try Progressive though USAA and some of their coverages lacked, but worked it out. Last RV I tried Progressive but they wouldn't insure me because the only road registered motor vehicle I owned was the RV.
__________________
Retired USCG Helo Pilot, Retired USCG Lic. Captain
2022 Entegra Vision 29s, 2021 Ford Ranger toad
Ft Pierce, Fl
Psneeld is online now   Reply With Quote
Old 11-27-2022, 07:21 PM   #12
Senior Member
 
Join Date: Jan 2019
Posts: 220
My full-time coverage on a 2022 Entegra Accolade Super C with Good Sam (National General) for Dec 2021 to Dec 2022 is $1174. It renews at $1343. While a significant ($169) jump for making no claims, I also found it reasonable for the times and inflation. Next year I'll shop around.
El Chapo is offline   Reply With Quote
Old 11-28-2022, 04:50 AM   #13
Senior Member
 
Psneeld's Avatar
 
Join Date: May 2020
Location: Ft Pierce, Fl
Posts: 688
2 years ago National General for me jumped from $1100 or so to about $1800, no claims and low inflation.

I would be interested to see the next year jump (or not).
__________________
Retired USCG Helo Pilot, Retired USCG Lic. Captain
2022 Entegra Vision 29s, 2021 Ford Ranger toad
Ft Pierce, Fl
Psneeld is online now   Reply With Quote
Old 11-28-2022, 09:34 AM   #14
Senior Member
 
chuckbear's Avatar
 
Join Date: Jul 2015
Location: Crystal River, Florida
Posts: 1,579
You will get a low quote initially but will see your premium rise substantially starting with the next renewal. So you will be looking for new coverage next year. After we ask for a quote from GS our phone and email was spammed to death. We don't do business with anything connected to Camping World. Chuck
__________________
1999 Fleetwood Bounder 34J
Triton V10 Gas
2010 Chevy HHR Panel
chuckbear is offline   Reply With Quote
Reply

Tags
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
Silly Good Sam "mascot" at Good Sam 500 Stock Car race Bob&AnnaMari Just Conversation 11 03-18-2016 09:47 AM
Good Sam Insurance - Good or Not? JavaJelly Class A Motorhome Discussions 18 09-15-2015 11:16 AM
Good Sam gone Bad Sam? lijbs iRV2.com General Discussion 55 01-09-2015 08:01 PM
Good Sam is really "BAD" SAM roadside assist !! Markrving iRV2.com General Discussion 86 05-14-2014 01:29 AM
Good Sam Emergency Road Service=Bad Sam arvelance New Member Check-In 14 03-03-2012 02:21 PM

» Featured Campgrounds

Reviews provided by


All times are GMT -6. The time now is 04:58 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2023, vBulletin Solutions, Inc.