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Good Sam RV Insurance Review


ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent)
78 Customer Comments & Reviews - see all comments
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The Good Sam Insurance Agency specializes in RV, 5th wheel, travel trailer, and motorhome insurance coverages with multi-vehicle discounts.

Although their primary line of business is recreational vehicle insurance, the agency also offers roadside assistance and car, boat, motorcycle, and home insurance products from leading insurance companies such as Progressive, National, and Safeco.

How is Good Sam rated?

Breakdown

4.6/5
Coverage & Benefits
4.5/5
Customer Support
4.5/5
Cost

Overall Rating: 4.5 / 5 (Excellent)

For over half a century, the Good Sam Insurance Agency has been providing RV-related products and services, as well as membership clubs for recreational vehicle owners and camping enthusiasts.

The agency, like the Good Sam Club, seeks to make the recreational vehicle experience safer and more convenient through basic and specialty plans that can be tailored to meet the particular needs of their customers.

Although RV insurance premiums tend to be costlier than those for traditional car insurance, Good Sam customers have reported saving up to 20% by insuring multiple vehicles and bundling their policies.

All in all, the Good Sam offers comprehensive plans and services as well as a good selection discounts that are sure to hit the mark with even the most discerning of customers.

Coverage & Benefits

Coverage & Benefits - 4.6 / 5

The Good Sam Insurance Agency offers a comprehensive array of RV coverages tailored to the needs of individual customers.

Their standard plan includes all the vehicle protection required by law, including collision and comprehensive coverages, personal injury protection, property damage, bodily injury, and personal liability coverages, and uninsured and underinsured motorist protection.

For people looking for additional peace of mind, the company also extends a premium plan with features such as optional full replacement cost coverage, a storage option that allows you to suspend coverages while your RV is not in use, full-timer coverage for those who live in their RVs for over six months out the year, multi-vehicle discounts for bundled policies, and emergency expense and personal effects coverages for up to $3,000.

Basic Coverage

Bodily Injury Liability
Property Damage Liability
Collision
Comprehensive
Personal Injury
Medical Payments
Uninsured/Underinsured Motorist

RV Specific Coverage

  • Total Loss Replacement
  • RV Roadside Assistance
  • Full Timer
  • Belongings & Personal Effects
  • Permanent Attachments
  • Emergency Expense Allowance
  • Mexico Insurance
  • Vacation Liability
  • Hitch Coverage

RV's Covered

  • Class A
  • Class B
  • Class C
  • Conventional Trailer
  • Fifth Wheel Trailer
  • Pop-up Tent Trailer
  • Mounted Truck Camper
  • Toy Hauler & Horse Trailer
  • Cargo/Utility & Single Horse Trailer

Good Sam RV Insurance Cost & Discounts

Cost - 4.5 / 5

The Good Sam's website does not disclose how much they charge for premiums or deductibles for any of their RV insurance plans.

However, the company does state that their custom RV policy costs about the same as the standard plan and that their customers save an average of $500 a year through a long list of discounts for bundled policies, multiple vehicles, temporary RV storage, safety and anti-theft devices, and safe driving.

The company's storage option can save customers around 53% off RV insurance premiums, allowing recreational vehicle owners to suspend certain coverages while their motorhome, fifth wheel camper, or travel trailer is not in use.
Premium
Annual Premium will vary by driver and vehicle
Deductible
Deductible will vary by driver and vehicle
Bundle Options
Auto
Discounts
Bundled Policy
Disappearing Deductible
Safe/Responsible Driver
Low Mileage
Paid-in-Full
Storage Option

Customer Support

Customer Support - 4.5 / 5

Good Sam Enterprises, LLC. is accredited by the Better Business Bureau and has an A rating with the organization, based on 11 reviews, as well as a composite score of 3.74 out of 5 stars.

For an enterprise of its size and age, the Good Sam has received fewer complaints than average, most of which are due to issues with their RV roadside assistance plan.

Their webpage, although not as easy to navigate as one would hope, offers an incredible wealth of RV-related information to help consumers make educated decisions with regard to motor vehicle safety.
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
1
Number of BBB Negative Reviews
10
Date Collected
2017-11-30

Contact & Additional Information

Homepage URL
Company Phone
(888) 514-1116
Headquarters Address
64 Inverness Dr E, Englewood, CO, 80112
Year Founded
1966

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78 Customer Comments & Reviews

Loading Reviews ...
Cassie L
6/28/2017
Thank you all for putting in a review. I also received a quote and it sounded to good to be true. I had decided to go with them but the representative as been slow with closing the deal. So I have had plenty of time to research and talk to my regular agent to find out they are indeed to good to be true. Stay with what you know and don't give into greed about saving money on such a huge investment. Or it will be bigger than your are ready for.


J
John H
5/23/2017
I have had their ins since 1959, NGI has changed. They have people with cold hearts working now. I hit an elk in Oregon and I know the damage incurred, they are denying many parts of the damage claiming it old damage with no proof. I have photos and dates showing no damage. I asked for their proof in writing and they replied with a notice of cancellation. I contacted 15 shops in So CA and all off the record said NGI is the most difficult to deal with always denying this and that. They are all afraid to loose business by speaking out. They all told me that Bryan Hughes is the worst to work with. They all said AAA is the best. I am a full-timer and will need to go back to Illinois (out of... Read More


Angie Y
5/10/2017
omg. we just insured with them on our new travel Coleman RV. It's been a month already having issues. They say our regular insurance is reporting we have an at fault accident which is not true. Our insurance says they do not show us with an at fault so premium went from $382/yr to over $700! They said if we send proof we aren't at fault it will drop to $434/yr if we pay the year in full up front. If not it's $512. We are still considered a risk so we no longer qualify for the $382 if they remove the at fault . I think we are going elsewhere after reading these comments about them. Thank God we haven't gave them but $77.00 so far!


J
Joseph A
4/26/2017
I was going to see and potentially buy a motorhome on Sunday and do the paperwork on Monday. I called Good Sam asking the best advise so I can be covered on Monday morning after the transfer on the DMV. They said that will be better to gather all RV info and do all the paperwork and down payment on the previous Friday. If in case the deal do not go through, to call her on Monday for an immediate refund. I did left a message with the agent the same Sunday as the deal did not go through. I called on Monday to confirm. She did not pick up the phone leaving a new message again. After several messages and phone calls I decided to contact the National Insurance Company that charged my... Read More


J
Jerry H
4/21/2017
Got quote from Good Sam Insurance (National General) for 12 months coverage on our motorhome. Price was competitive but when we started to pay and give them a credit card number, they said the quote was only for six months! All my documentation we have that I printed clearly stated in several places that it was for 12 months. They refused to honor the written quote that THEY sent me. The people are out and out crooks!


R
Ricky
4/20/2017
got insurance on home was told it was better than I had, with less deductible but when time to renew it went up. I stay with them, wished I hadn't wind and hail damage they charged me for deductible plus depreciation making my deductible almost 6;000 dollars nation General the under writer for Mountain Valley Indemnity Company watch what you wish for like The TV says not the insurance check the agent Good Sam's put it to me


C
Chandra G
4/17/2017
Bought National General Insurance thur Good Sam. Five months pass and start getting emails about reviewing my policy. Spend next 3 weeks trying to talk to someone about my policy review. When I finally get someone to talk to they tell me that my rates are going up $ 80.00 dollars a month. Told them I would find somthing else because I had no claims and thought that was ridiculous. They blamed it on a rate increase in Texas. I cancled may policy the day it was due. Today I recieved a bill for $ 97.00 for ONE day of coverage. I expected better from any company connected or recomended by Good Sam. This is a scam. Glad I never had a claim, They probably would have charged me or... Read More


R
Rick P
4/17/2017
Dont even insure with them !! Horrible customer response !! To busy ripping off people to care about your repairs... Then to top off will almost double your rate !! bait and switch .. RUN RUN RUN from this insurance company,,


M
Michael &
3/3/2017
I bought an extended warranty from Camping World of Bartow Florida - I NEVER received a copy in my packet of papers from the dealership. My #1 complaint is that NO ONE ever told me I have to cover ALL freight - I was told the only thing I would ever pay was the deductible. My rig is a 2014 Keystone Alpine 3600RS fifth wheel - I just had to replace my steps for the second time since I've owned this - the first time was covered by original warranty. Camping World of Bartow Florida just charged me over $96.00 for freight!!!!!!!!!!!!!!!!! And that WAS ON TOP OF MY DEDUCTABLE!!!!! when I QUESTIONED GOOD SAM - THEY TOLD ME IT WAS WRITTEN IN EXCLUSION 11 !!!!! So I obtained a copy of my... Read More


R
Rick P
3/1/2017
National General Insurance - doesn't respond to emails or calls ..horrible customer service.. I am currently rethinking my whole Good Sam policies I had switched everything to Good Sam .. Looks like a bad idea ..Insurance is awful and towing is a close second.



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