I have had Good Sam insurance since 2010 for my vehicles (3) and my homeowners. Unfortunately the premiums rose considerably each year. Finally this year the homeowners went from about $800.00 to over $1200.00 for the same coverage, when questioned about this we were told it was because of credit report. We contacted the credit bureau and were told our credit was still great & they don't give any type of rating's other than credit. We called the insurance company back & when confronted with this they then said we need to share the risk. We have had NO claims of any kind on homeowners policy's since owning our present home (11yrs). I decided to get new quotes for ALL our insurance & found we could get EXACT coverage for just under $800.00 on homeowners from a well known insurer, also for the same auto coverage we are paying about 22% Less now. I would suggest you check prices at least every couple years as Good Sam apparently does not value loyalty from their customers. If not for the Large increase in homeowners I would not have checked. Total cost was about $5200.00, now under %4000.00. Just a thought.

It's not just Good Sam raising ratesAnd it is always best to check rates .Use to be 'loyalty' with a company meant something......not any more.

Old-Biscuit wrote:It's not just Good Sam raising ratesAnd it is always best to check rates .Use to be 'loyalty' with a company meant something......not any more.X2, State Farm is getting on my nerves lately

X3. I had same sort of issue with Allstate. They just kept jacking up my rates each year...tried to sell me "accident forgiveness". That what really is comes down to charging you up front for having an accident in case you have one later.

Insurance companies are offering teaser rates to get you signed up. A certain percentage of people will never check the premium again. The rest of us round robin to different insurance companies so there is no down side to the company

NiasWagn wrote:X3. I had same sort of issue with Allstate. They just kept jacking up my rates each year...tried to sell me "accident forgiveness". That what really is comes down to charging you up front for having an accident in case you have one later.Allstate just jacked up my car insurance by $200. No claims, no tickets, no explanation.I'm shopping!Farmers has some competitive rates. Any experiences out there?

Good Sam Insurance - Now Cancelled | Good Sam Community

23 Replies

NiasWagn
Explorer
May 25, 2015
kaydeejay wrote:
NiasWagn wrote:
X3. I had same sort of issue with Allstate. They just kept jacking up my rates each year...tried to sell me "accident forgiveness". That what really is comes down to charging you up front for having an accident in case you have one later.
Allstate just jacked up my car insurance by $200. No claims, no tickets, no explanation.
I'm shopping!
Farmers has some competitive rates. Any experiences out there?

Funny you should ask. That's where I went. After hail storm, the came through and took care of everything. The rates haven't moved. I'm in my third year with them. I'm very happy so far.
Executive45
Explorer III
May 16, 2015
DirecTV, AT&T, Dish....they ALL express their "loyalty" to existing customers....that's why they offer their "special pricing" to NEW CUSTOMERS ONLY!..:M.

The only one we've experienced offering existing customers loyalty perks has been Bank of America....we get higher interest rates on our savings, and pay no expenses for any services including checks, accounts, cashier checks, notary's etc.....Dennis
peaches_cream
Explorer
May 16, 2015
4X4Dodger wrote:
Old-Biscuit wrote:
It's not just Good Sam raising rates

And it is always best to check rates .

Use to be 'loyalty' with a company meant something......not any more.

Sorry but "Loyalty" never meant anything. Companies usually act in their own best interests (as they see them) and loyalty rarely if ever enters the equation now or in 1960.

What does "Loyalty" have to do with raising rates. A Ins. Co. cannot raise rates without approval from the State Ins. Comm. They are expressing their "Loyalty" to you by offering you coverage at a higher price. You are expressing your "lack of Loyalty" to them by going elsewhere for coverage. Quit complaining and purchase coverage wherever you desire. America is "great". At least you have options.
4X4Dodger
Explorer II
May 16, 2015
Old-Biscuit wrote:
It's not just Good Sam raising rates

And it is always best to check rates .

Use to be 'loyalty' with a company meant something......not any more.

Sorry but "Loyalty" never meant anything. Companies usually act in their own best interests (as they see them) and loyalty rarely if ever enters the equation now or in 1960.
Executive45
Explorer III
May 16, 2015
Fifteen minutes might save you fifteen per cent...but, everyone knows that.....:W:W.....Dennis
rekoj71
Explorer
May 16, 2015
I think most offer a lower rate the first term to get you signed up then raise it just enough each year that you hopefully wont notice or wont bother thinking about changing companies.
markandkim
Explorer II
May 15, 2015
Even USAA has done this to us, meaning raising our rates annually.

But they are awesome to us. Roadside is included.
Good_Sam_Care_T
Explorer II
May 15, 2015
Hello smittysdi,

Thank you for bringing this to our attention and my apologies for the delay, as well as your experience. I was able to locate your information in our system and I have requested that we have someone reach out to you about this.

Elizabeth
Marcus Rapid Response Team
lanerd
Explorer II
May 15, 2015
I had been with GS (GMAC then Nat Gen)for about 10 years and was citation free for almost 30 years. Last year I got a running a red light citation and my insurance more than doubled...almost tripled. I called and they said that rate was the best that they could do.

I then got about 8 or 9 estimates for new car (4) and rv (1) insurance and found Geico for even less than what I was paying GS prior to my ticket! Several other estimates were also less than or about the same as GS (prior to the ticket).

So yes. It pays to shop around.

Ron
Old-Biscuit
Explorer III
May 15, 2015
ugh wrote:
I just switched to Geico to save $400 dollars and it only took me 15 minutes.

Can you believe that!

Well if I am 'buy' into the claims made on TV commercials by Geico (or ___________) the avg. savings if I switch is enough that by the 3rd year of changing ins. companies I should be able to get coverage for free

:B