Good Sam insurance, let's discuss

[kerrlakelover]

Food for thought...

The good news is that I just had "Good Sam" price the insurance on my 2010 Sandpiper and they will save me $50/year over my current policy with Blue Sky...or I thought it was Blue Sky.

I'm realizing in this day and time that just because a company (ie Good Sam) adds "insurance" to their name does not mean that your insurance will be with them...it may be "through" them. Case in point is what I realized about my current Blue Sky policy: my Blue Sky policy is with the RLI Insurance Co, with the General Agent of Record being Recreation Insurance Specialist and the Policyholder's Agent of Record being The Good Sam Insurance Agency...yes, Good Sam. Remember, my policy is with Blue Sky that has been discussed on several thread on FRF.

So, after getting a GS Member Bulletin in the mail I called Good Sam Insurance today to get a quote. Low and behold, the lady quoted a policy to me with Allied Insurance which saved me the $50/year. But, my FW insurance will be with/through Good Sam Insurance. It's all a bit confusing to me and a great deal convoluted.

So, bottom line, it's all about your deductible, your premium, and most important, how they serve you when you have a claim. Again, the good news is that working through GS Insurance, I got a better premium.

[kerrlakelover]

Originally Posted by kerrlakelover

Food for thought...

The good news is that I just had "Good Sam" price the insurance on my 2010 Sandpiper and they will save me $50/year over my current policy with Blue Sky...or I thought it was Blue Sky.

I'm realizing in this day and time that just because a company (ie Good Sam) adds "insurance" to their name does not mean that your insurance will be with them...it may be "through" them. Case in point is what I realized about my current Blue Sky policy: my Blue Sky policy is with the RLI Insurance Co, with the General Agent of Record being Recreation Insurance Specialist and the Policyholder's Agent of Record being The Good Sam Insurance Agency...yes, Good Sam. Remember, my policy is with Blue Sky that has been discussed on several thread on FRF.

So, after getting a GS Member Bulletin in the mail I called Good Sam Insurance today to get a quote. Low and behold, the lady quoted a policy to me with Allied Insurance which saved me the $50/year. But, my FW insurance will be with/through Good Sam Insurance. It's all a bit confusing to me and a great deal convoluted.

So, bottom line, it's all about your deductible, your premium, and most important, how they serve you when you have a claim. Again, the good news is that working through GS Insurance, I got a better premium.

I forgot to note that the $50 is a 15% decrease in my rate from $340 annually to $290.

[BamaBob]

Originally Posted by kerrlakelover

I forgot to note that the $50 is a 15% decrease in my rate from $340 annually to $290.

Nice price! You are right - my ONLY concern is what happens if we need to make a claim?

We have Good Sam insurance as well and we saved almost $260 a year over our old Progressive insurance we got through USAA!

Would love to hear from other Good Sam insurees - especially those of you who have had to make a claim on the insurance.

[Fishndaflats]

I am with Blue Sky right now, are they worth a darn? only been with them for two months now

[Bryan2503S]

Just Curious,

In this world where every company wants you to bundle services, what is the advantage to using Good Sam or Blue Sky for your RV compared to just getting your House/Auto/Boat/RV/Toys insured from a company that does it all?

.....Or do you guys insure everything with GS or BS?

[Geri]

FWIW We have Sam's Insurance on our Sunseeker, and thought to 'save' by bundling; house, cars, RV. Turned out that GIECO house/car bundle with Good Sam RV was the cheapest way to go - why? - don't ask me. We haven't had to use the insurance with Sam, but have had only super experiences with their road side service, based on three instances, including one xmas eve evening failed timing belt in the truck. Finding a provider was tough, but they did it. They kept me in the loop as they searched, and followed up after to ensure that it worked out. I was impressed

[BamaBob]

Originally Posted by Bryan2503S

Just Curious,

In this world where every company wants you to bundle services, what is the advantage to using Good Sam or Blue Sky for your RV compared to just getting your House/Auto/Boat/RV/Toys insured from a company that does it all?

.....Or do you guys insure everything with GS or BS?

We insure our vehicles with USAA (have for years - best vehicle insurance in the world if you can become a member of USAA! )

USAA however, does not do RV or Boat insurance - they farm it out to Progressive - who I was happily using until we got our 5er this year.

I got the progresive quote and it was almost $1,000 Plus, they were "forcing" me to get a Mexico rider - which I did not want.

Shopped around and found I could get BETTER coverage: $7K personal effects + comprehensive & collision at $250 deductible instead of $500, $20K vacation insurance (some kid runs through your camp and breaks his leg and mom & dad sue for medical) & towing+ trip inturruption insurance (up to $7K) for a bit under $700. Smas RV insurance was a no-brainer.

Another reason to go with them is they specialize in RVs - for instance our policy covers the installed hitch on the truck - something a non-RV company might miss.

[BarryD0706]

IMO, an important thing to look for is how they handle total destruction or theft of a new (within a year or two) RV. GS will buy you a new one.

[kerrlakelover]

Originally Posted by BarryD0706

IMO, an important thing to look for is how they handle total destruction or theft of a new (within a year or two) RV. GS will buy you a new one.

Yep, that's exactly what I heard from the rep today too Barry. And after that year or 2, they will give you what you paid for it. There's also an intangible piece too. If you have issues with GS Roadside or GS Insurance you play the I have everything with GS card.

[BamaBob]

Originally Posted by kerrlakelover

Yep, that's exactly what I heard from the rep today too Barry. And after that year or 2, they will give you what you paid for it. There's also an intangible piece too. If you have issues with GS Roadside or GS Insurance you play the I have everything with GS card.

I had forgotten to mention this! -- This is what actually sold me on the policy.

As I understand it, they will give you new for totaled RV for the first 5 years, after that, what you paid for the RV.

Sweet Deal IMHO!

[Marks]

Originally Posted by HSVBamaBob

I had forgotten to mention this! -- This is what actually sold me on the policy. As I understand it, they will give you new for totaled RV for the first 5 years, after that, what you paid for the RV. Sweet Deal IMHO!

This was a great perk for buying their insurance but the deal was sealed by cost... Farmers wanted over $1000 and GS was just over $400. They will also insure my class 8 truck, something farmers would never do.

[Gl111349]

Maybe I can help shed some light on this thread, having spent 32 years in the insurance business and the last 23 of those years with Allied Insurance (the company mentioned in the first thread). I retired two years ago and am living the good life and enjoying the freedom to camp whenever and as long as I want.
First and foremost, I believe Good Sam Insurance is NOT and insurance company. They are an insurance agency. As is the case with a lot of insurance agencies, they represent more than one company that they can place business with.
Good Sam Insurance like most agencies wants the best price and best coverage possible for their members to choose from so they decide based on those and other factors what companies to represent.
While I can't speak for all of the companies that Good Sam Ins. has I can tell you that if you have a policy with Allied Insurance and have a claim, Allied will settle the claim, not Good Sam. That being said and not trying to turn this into a commercial I can tell you as a person who has had their car, home, RV, and umbrella covered with Allied for over 30 years, they are tops when it comes to claims service. Are there horror stories from people out there who have felt they received bad claims service, sure. Are there just as many who felt like they got great service, you bet.
Some of the threads mentioned some great coverages that they got from Good Sam. Again those coverages are offered by the carrier, not Good Sam. Good Sam again wanting to offer the best they can to their members would only partner with companies that really know the RV business and offer some special coverages tailored to uss campers. The same with pricing. Companies such as Allied will also offer special rates to members of certain organizations. In this case Good Sam members get a discount for being members of Good Sam. A discount that the regular Allied agents may not be able to give their customers. I am guessing some of the other companies Good Sam Ins. represents also offer some special pricing.
Didn't mean to make this replay so long, just wanted to help clarify and answer some of the questions in this thread. Good Sam Ins. is a great organization and I would not hesitate to talk to them about insuring my RV.

[kerrlakelover]

Originally Posted by Gl111349

Maybe I can help shed some light on this thread, having spent 32 years in the insurance business and the last 23 of those years with Allied Insurance (the company mentioned in the first thread). I retired two years ago and am living the good life and enjoying the freedom to camp whenever and as long as I want.
First and foremost, I believe Good Sam Insurance is NOT and insurance company. They are an insurance agency. As is the case with a lot of insurance agencies, they represent more than one company that they can place business with.
Good Sam Insurance like most agencies wants the best price and best coverage possible for their members to choose from so they decide based on those and other factors what companies to represent.
While I can't speak for all of the companies that Good Sam Ins. has I can tell you that if you have a policy with Allied Insurance and have a claim, Allied will settle the claim, not Good Sam. That being said and not trying to turn this into a commercial I can tell you as a person who has had their car, home, RV, and umbrella covered with Allied for over 30 years, they are tops when it comes to claims service. Are there horror stories from people out there who have felt they received bad claims service, sure. Are there just as many who felt like they got great service, you bet.
Some of the threads mentioned some great coverages that they got from Good Sam. Again those coverages are offered by the carrier, not Good Sam. Good Sam again wanting to offer the best they can to their members would only partner with companies that really know the RV business and offer some special coverages tailored to uss campers. The same with pricing. Companies such as Allied will also offer special rates to members of certain organizations. In this case Good Sam members get a discount for being members of Good Sam. A discount that the regular Allied agents may not be able to give their customers. I am guessing some of the other companies Good Sam Ins. represents also offer some special pricing.
Didn't mean to make this replay so long, just wanted to help clarify and answer some of the questions in this thread. Good Sam Ins. is a great organization and I would not hesitate to talk to them about insuring my RV.

Thanks for the information Gary! I'm glad to hear you had a great career and are now enjoying the good life (camping). You made me feel good about my decision to go with Allied thru GS Insurance. I just received my package from Allied today.