RV Insurance & Roadside Assistance
Dear Friends .... Hope that you'll, take the time, and be able to assist this Senior citizen with this matter? If it has been approached before, if you will, just tell me where to go? First time RV...
Forum Discussion
I get casualty and liability insurance from the carrier I've used for all my coverage the past 49 years, USAA. For the RV I've added Good Sam roadside service, for the terms of service, though I've not had a claim in 10+ years. I found that "free" or low premium roadside service policies had limitations I chose not to live with. So I've spent something well over $1000 for RV roadside assistance without a claim, and of course the insurer's business model depends on most clients having such a no-claim experience.
FWIW, for various vehicles I've had multiple roadside assistance coverages, being an AAA member for the past 45 years, "free" coverage on automobile casualty policies, and coverage as well from the automobile manufacturers (Ford and Chrysler have been providing roadside assistance in the chassis warranty period for at least the past ten years). AAA is the only program for which I've made claims, and response has been good. They just don't do well for RVs where I live.
Premiums are what they are, they increase with risk, and sign-up incentives go away quickly, settling down to risk-based insurance premiums. Thus I pay a whole lot more for life insurance at age 70 than I did at age 22, and I expect roadside assistance programs to increase in cost with vehicle age.
The lowest cost is always to self insure (most major corporations do this, paying an insurance company to administrate the program) because you are not trying to make a profit covering yourself. Roadside assistance is one of the lowest risk, lowest cost segments of the auto insurance business, which is why so many carriers of other insurance types throw it into policies for "free." Kind of like the AD&D segment of the life insurance business.
FWIW, for various vehicles I've had multiple roadside assistance coverages, being an AAA member for the past 45 years, "free" coverage on automobile casualty policies, and coverage as well from the automobile manufacturers (Ford and Chrysler have been providing roadside assistance in the chassis warranty period for at least the past ten years). AAA is the only program for which I've made claims, and response has been good. They just don't do well for RVs where I live.
Premiums are what they are, they increase with risk, and sign-up incentives go away quickly, settling down to risk-based insurance premiums. Thus I pay a whole lot more for life insurance at age 70 than I did at age 22, and I expect roadside assistance programs to increase in cost with vehicle age.
The lowest cost is always to self insure (most major corporations do this, paying an insurance company to administrate the program) because you are not trying to make a profit covering yourself. Roadside assistance is one of the lowest risk, lowest cost segments of the auto insurance business, which is why so many carriers of other insurance types throw it into policies for "free." Kind of like the AD&D segment of the life insurance business.
