Beware of Good Sam Auto Insurance

David-n-Nancy wrote:
I purchased Good Sam Insurance for my car, truck and RV 6 months ago It was a good rate so I changed from Geico. My renewal has come up and my rate has increased by $100.00. I've made no claims and my vehicles have all depreciated for the 6 months so why has my rate gone up? I called and I was informed that the rate in TX have gone up do to amount of claims. I asked, if I had a claim my rate would have gone up and was told yes.So my rate went up not because I'm a careful driver but because other people made claims and I get to help pay for theirs even though my vehicles have depreciated for 6 months and the Insurance Co. exposure is less.

All this tells me that when you buy Ins. expect a low rate to get you in and then start jacking up the rate each renewal date.

Dave

This happened to us with motorcycle insurance. We switched from State Farm, whom we have everything else with, to Riders Insurance because they were just for MCs. Our intial rate was well below State Farm with the same coverage and some added benefits like protection gear replacement. After the first year our rate almost doubled. I called and they gave us the exact same speech. Our rate increased because there were more accidents in PA so we had to pay a higher premium. Needless to say, we switched back to State Farm.