Another feature of GS GMAC is that they have a "storage" policy where if your MH sets for the winter (or more than 30 days, I think) you can reduce the coverage to comprehensive only. This save me a couple of hundred each year. Also, during the summer, I do this same thing to our 3 other vehicles we leave at home saving another couple of hundred. This extra savings makes our policy much cheaper than any other I've been able to find.
I have yet to have a claim so I have no idea if they are any good for payoffs.
Ron