Good Sam Vehicle Insurance Plan
Looking into putting my 5th wheel insurance through Good Sam. What do you think, should I or not?
Forum Discussion
15 Replies
wbwood wrote:
I hate it when people think that Camping World is actually an insurance provider. They are a broker. They will write you through various insurance companies. They will initially try to quote you through National General (which used to be GMAC) because they provide the highest commissions. If you request a quote from their website, it will automatically quote you through National General, per Bob Fulcher (then VP of Insurance Services with Camping World). He also told me that his agents are instructed to present National General first only if they are competitive with other companies, which is total BS. Because I called to get a quote on our motorhome and the y gave me a number that I thought was high. I asked who it was through and they said National General. I asked them to quote me through Allied (which was the company we had on our TT). I had to go through all the questions again, so how would you know what the other rates would be? Duh! Anyway, Allied came out to about half the price of National General.
So don't get caught up in their web of deception as far as the insurance thing goes. Many people don't realize this...Let my experience and my conversation that I had with Bob Fulcher help you to make some better choices and to ask questions.
This is good to know! Thankslanerd wrote:
youngone wrote:
lanerd wrote:
We had Good Sam insurance (first with GMAC and then Nat Gen) for quite a few years with first our trailer and then with our motor home. Rates were good and had a windshield replace with no problem and no increase in rates.
However, a couple of years ago, I got a ticket in Oregon for running a red light in our toad; and I might add, the first ticket I'd received in over 20 years. My next insurance bill was almost triple of what I was previously paying....I repeat.... almost triple!
Searched around and got quotes from a half dozen other companies and finally went with Geico for actually less than what I was paying Nat Gen prior to the ticket.
FWIW...my vehicles included two Toyota pickups, our toad, my wife's Avalon (now Lexus) and our motor home.
Draw your own conclusions.
Ron
Youngone...did you wish to add something to this? Curious as to why you just copied my reply without saying anything.:h
Ron
I clicked on your post by mistake. Sorry about that. Tried to cancel it but wouldn't let meyoungone wrote:
lanerd wrote:
We had Good Sam insurance (first with GMAC and then Nat Gen) for quite a few years with first our trailer and then with our motor home. Rates were good and had a windshield replace with no problem and no increase in rates.
However, a couple of years ago, I got a ticket in Oregon for running a red light in our toad; and I might add, the first ticket I'd received in over 20 years. My next insurance bill was almost triple of what I was previously paying....I repeat.... almost triple!
Searched around and got quotes from a half dozen other companies and finally went with Geico for actually less than what I was paying Nat Gen prior to the ticket.
FWIW...my vehicles included two Toyota pickups, our toad, my wife's Avalon (now Lexus) and our motor home.
Draw your own conclusions.
Ron
Youngone...did you wish to add something to this? Curious as to why you just copied my reply without saying anything.:h
Ron- I hate it when people think that Camping World is actually an insurance provider. They are a broker. They will write you through various insurance companies. They will initially try to quote you through National General (which used to be GMAC) because they provide the highest commissions. If you request a quote from their website, it will automatically quote you through National General, per Bob Fulcher (then VP of Insurance Services with Camping World). He also told me that his agents are instructed to present National General first only if they are competitive with other companies, which is total BS. Because I called to get a quote on our motorhome and the y gave me a number that I thought was high. I asked who it was through and they said National General. I asked them to quote me through Allied (which was the company we had on our TT). I had to go through all the questions again, so how would you know what the other rates would be? Duh! Anyway, Allied came out to about half the price of National General.
So don't get caught up in their web of deception as far as the insurance thing goes. Many people don't realize this...Let my experience and my conversation that I had with Bob Fulcher help you to make some better choices and to ask questions. cekkk wrote:
Good Sam and Coach-Net are better suited for roadside assistance on RVs than the regular auto insurers. A year of Coach-Net service came with my Jayco, so I've stayed with them. Like most insurance, you hope you'll never need it.
Within a half an hour of picking up our new Eagle, I encountered a problem in a parking lot where we'd stopped. It was raining and generally miserable that evening, but a call to Coach-Net got me to a tech who explained what I'd done. With his help I found the problem and we were on our way within a couple of minutes.
I've since learned that there's a hitch to that. If true, it is that if you accept tech advice and you still can't get back on the road, calling back for a tow is on your dime! Check the fine print, whatever you purchase.
I think you are posting in the wrong category...you are referring to roadside service and not insurance.DownTheAvenue wrote:
The bean counters don't know, care, or even calculate the longevity of a customer when establishing rates.
According to a recent Consumer Reports article, some actually do keep track of longevity and charge long time customers more, figuring they don't shop rates regularly. They don't own some of the biggest buildings for nothing.- Like PenMan we have Good Sam (Nat'l General) but luckily have never had a claim. We went with them because of the 100% replacement guarantee for up to 4 or 5 years (forgot which it is). Given the fast depreciation of an RV I like the replacement guarantee. The annual cost for our 2015 2295 Lance trailer is $260.
lanerd wrote:
Searched around and got quotes from a half dozen other companies and finally went with Geico for actually less than what I was paying Nat Gen prior to the ticket.
Insurance is like any consumer product- you must shop around for competitive rates. Also, don't be lulled into staying with a company for years thinking if you have an at fault claim they will consider the many years you have been with them. Those days have been gone for decades. For the insurance company, it is all about managing risk and charging appropriately for that risk. The bean counters don't know, care, or even calculate the longevity of a customer when establishing rates.PenMan wrote:
I think the OP is talking about insurance (liability, collision, etc.) and not roadside assistance. I have my trailer insured thru the Good Sam Insurance Plan (National General) but can't tell you much about it. The prices have always been reasonable but I have never had a claim so I don't know how good they are when actually needed.
Yes I am. Should of explained better. Thanks for all your thoughts on Good Sam insurancelanerd wrote:
We had Good Sam insurance (first with GMAC and then Nat Gen) for quite a few years with first our trailer and then with our motor home. Rates were good and had a windshield replace with no problem and no increase in rates.
However, a couple of years ago, I got a ticket in Oregon for running a red light in our toad; and I might add, the first ticket I'd received in over 20 years. My next insurance bill was almost triple of what I was previously paying....I repeat.... almost triple!
Searched around and got quotes from a half dozen other companies and finally went with Geico for actually less than what I was paying Nat Gen prior to the ticket.
FWIW...my vehicles included two Toyota pickups, our toad, my wife's Avalon (now Lexus) and our motor home.
Draw your own conclusions.
Ron
