Have you just bought an RV and are now looking for RV insurance? Or maybe you have skirted around the idea of purchasing RV insurance for a while now. When shopping for RV insurance, Good Sam seems to always be the first recommendation on everyone’s list.
Is Good Sam RV insurance any good? There are many benefits to choosing Good Sam as your RV insurance that include:
- Unlimited Towing
- No Service Limits
- Other Services for Free
Just like any other RV insurance company, you are considering; you may be wondering what their company offers and how reputable are they? So, just what is Good Sam RV Insurance?
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Good Sam Insurance Overall Rating: 4.25/5
Based on our own experience with Good Sam RV insurance and the feedback we receive from many of our friends, Good Sam is our first choice at the moment. Good Sam offers you more at a lower price compared to other RV insurance companies we have tested.
Whether you are just going on holiday with your family or living full-time in your RV, Good Sam Insurance offers a variety of service options when it comes to protecting your RV.
- Whether you own a large class A RV a car or a truck, you can get a fast, free insurance quote from Good Sam Insurance Agency. Save up to 30% on your policy while bundling a RV insurance policy.
- Customers report average savings of $321 per year and overall customer satisfaction of 96%, far more than any other RV insurance company in the market.
- No matter where your travels take you (the USA, Mexico or Canada), the Good Sam Insurance Agency is designed to provide all of the specialty RV insurance coverages you may be legally required to have.
- Good Sam is the perfect choice for you.
Make sure you have chosen the right RV insurance agency for the way you use your motorhome so that you can have a carefree holiday.
What Is Good Sam RV Insurance?
Good Sam RV Insurance caters to different types of RVs. Good Sam is specializing in RV insurance that helps tremendously when you take your RV on the road.
If your RV does the following whether motorized or towable, then Good Sam will be able to insure it:
- Motorhomes (Class A, B, and C)
- Fifth Wheel Campers
- Toy Haulers
- Travel Trailers
- Teardrop Campers
- Pop-Up Campers
Good Sam offers up a number of roadside assistance benefits like:
- Unlimited Towing
- Unlimited Service Mileages
- Fuel Delivery
- Spare Tire Service
- Flat Tire Services
With all of these benefits to roadside assistance from Good Sam, what else is there to look forward to when considering Good Sam RV Insurance?
What Good Sam Has to Offer: 5/5
No business would be able to function without the ability to draw in customers to their services and products.
Good Sam’s Insurance Agents will be able to help you in answering all of your important questions for which RV insurance plan you need and how it will help you.
Some RV insurance plans do not offer the following benefits, but Good Sam does:
- Personal and Property Damage Liability: Covers you in case you harm someone else’s car or objects with your RV.
- Personal Injury Protection: Helps to pay for all of those on board the RV and it covers lost wages if the injury takes you away from work.
- Collision: Acknowledges any damages that were done to anyone’s property by your RV.
- Comprehensive: Encompasses anything that has to do with your RV, like theft or animal collision. If something has happened to your RV, this will cover it.
- Bodily Injury Liability: Should you have caused the accident; this pays for any injuries on the other person.
- Uninsured and Underinsured Motorist Protection: Takes care of you and your RV, if the person at fault does not have insurance, or if their insurance does not cover the extent of the newly acquired injuries to those under your plan.
Good Sam offers two plans for their insurance that are add-ons to your quote. Take note that the rate that follows the plans are just base rates and can become higher if you choose to pay for up to 3 years at one time.
Those two plans are:
- Standard Plan: The base rate for this plan starts at $65 for the year.
- Platinum Plan: It costs $80 for the Platinum Plan that offers more benefits for your RV.
These plans are added to your policy and you can decide how long you wish to pay for these plans at a time.
- Standard Plan
Good Sam’s Standard Plan helps with Roadside Assistance. There are three RV types that the Standard Plan will cover that are:
- Travel Trailers
- Toy Haulers
- Pop-Up Campers
With this basic plan, the members of your family that live in your household, are covered under the insurance, as long as any children are under the age of 25. This means that you will not have to pay any additional fees for those under your policy should they become injured.
With this plan you will also have access to a 10% discount at AAMCO Transmission Centers if you need repairs or any other services. The discount is only good for a total up to $100 on any of those repairs of services.
If you want, you can bundle the following as well with your RV insurance with Good Sam:
- Pickup Trucks
- Boat Trailers
2. Platinum Plan
The Platinum Plan with Good Sam covers a huge number of RV types and still includes the coverage for you and your family. If you do not own your RV completely and are:
- Borrowing from a friend or family member
Good Sam will still allow you to have RV insurance on your rented trailer with the Platinum Plan. The types of RVs covered under this plan are:
- Fifth Wheels
- Toy Haulers
- Travel Trailers
- Pop-Up Campers
- Teardrop Campers
- Utility Trailer
- Sports Trailers
You can even put a number of different RVs under one plan. The Platinum Plan would be the best plan to choose if you want all of the coverage from the Standard Plan, plus a few extra benefits. With a Platinum Plan, you have access to:
- Rental Car Discounts from Avis and Budget
- Worldwide Hotel Discounts
- RV Concierge from repairs to fuel locations
If you want to learn about what is going under the hood of your RV, there is an Operational and Technical Assistance benefit by a Certified RV Technician that Good Sam will send out to you.
These technicians can also set up an appointment for you at a repair shop that is closest to you.
The other benefits of choosing Good Sam as your RV insurance provider is used for both insurance plans.
Related reading: How Much is it to Buy Back a Totaled RV From Insurance?
RV Insurance Costs: 5/5
Every RV insurance company varies when it comes to the pricing of their coverages. The average RV insurance cost should total between $200 to $2,000 even with added extras.
However, if you are toting around a Class A Diesel motorhome that you use every other weekend, your insurance may just be around $2,000. Should you have a much smaller RV or trailer, you will be on the lower end of this price point.
Related reading: How Much Does Class C RV Insurance Cost? Complete Buyer’s Guide
Another deciding factor in the price of your RV insurance is the state that you live in. For example, an RV insurance premium in Michigan could land you somewhere near $4,490. While California’s rates are between $860 to $4,000.
The following table shows the average RV Insurance Rates across 6 States:
|States||Insurance rates per year (USD)|
While Good Sam is a big hit among many who go with this company, there are other RV insurance companies that will be competing to add you to their clientele list:
Added Coverage: 4.5/5
When considering Good Sam as your sole RV insurance provider, you should look at all that this company has to offer for your needs. Also, take into consideration if there are other coverages that can be added, such as:
- Pets: Some RV insurance companies will offer this, as it covers up to $1,000 for any harm done to your pet on the RV. All you must do is, to receive a quote from a vet and turn it into the RV insurance company.
- Other Trailers or Vehicles: If you have a motorhome and you are towing a vehicle, there are policies that will cover that vehicle. Toys in your toy hauler can be covered if your RV insurance company has this option.
- Roadside Assistance: Almost all competing RV insurance offer roadside assistance. However, there are levels to what each company will provide with this coverage.
Before you continue reading, here is an article I wrote about Pet Friendly Companies: Do RV Rentals Allow Pets? (Pet Friendly Companies)
Now that you know what to look for in RV Insurance and what it takes to receive a great deal, the thought of not actually needing RV insurance may rear its ugly head.
In the following table you will find the best rated RV insurance providers I have found on the market at the moment (customer services, ratings, coverage options, discounts, financial strength):
|RV Insurance Agency||Coverage Options|
|Good Sam (Top Choice!)||. 96% overall customer satisfaction rating|
. Customers report average savings of $321 per year
. Total-loss replacement for motorhomes and travel trailers
. Specialized coverage for full timers or first-time weekend RV’ers
. RV storage option allows you to save even more by turning off coverage when your RV is not in use!
|RVInsurance.com||. Customers report average savings of $321 per year|
. Covers everything from class A motorhomes to pop-up campers
. Quote and buy online
. Speak to a professional, licensed agent
. Fully licensed, multi-line agency can quote your auto, home, boat and other insurance products
|National General||. Top rated C=choice: A+ BBB rating|
. “Turn Off” for liability & collision during storage – Save 53%
. Cover your personal belongings or attachments
. Full-timer coverage options
. Mexico insurance options
. Total Loss RV replacement
. 24-hour claims support
|Progressive||. Progressive Insurance – Trusted by Over 18,000,000|
. Competitive rates, tons of discounts (safe driver, pay-in-full, multi-car, multi-policy, quoting online & more)
. Name your price Tool®
. Comprehensive List of RV Covered Items
. Roadside Assistance Included
. Recreational Vehicles, Trailers & Fifth Wheels
The Benefits of Good Sam (Pros): 5/5
Good Sam has a number of benefits that RV drivers should look for in an RV insurance plan. It does not matter how often or how little you use your RV, it does not even matter if you fully own the RV, these benefits are accessible to you:
- Access to Service Every Day, All Day: You are able to contact the service number at any moment of any day. Whichever type of service you need, Good Sam will have the means to support you at no extra charge. There are also no limits to how many times you can call Good Sam.
- Towing Specialists Galore: You will have the ability to access 40,000 towing specialists and service providers. So, no matter where you are you will have available help.
- North American Coverage: Anywhere in North America, Good Sam is able to help you. Do contact an agent if you travel outside of the United States. If a service station is 300 miles away, Good Sam will still pay all of the towing fees. There are no mileage restrictions with Good Sam.
- Trip Interruption Assistance: This service offers up to $1,200 to handle everything you need on your trip if your RV has an accident more than 100 miles from your place of residence.
- Medical Help: If at any time you or someone under your plan becomes sick or needs dental assistance, Good Sam will refer you to a specialist.
- Help With Lost Keys: You will have to pay for any parts used and labor. However, Good Sam will send a locksmith right to you when you need help.
- Fuel Delivery: Up to5 gallons of fuel will be brought to you to help push your RV to the nearest gas station. Also, if there are any other fluids that your RV needs, someone will bring it to you.
- Spare Tire Change: If your RV needs a spare, all you have to pay for is the tire, parts, and labor. The delivery is free for you. For flat tires, a mechanic can change it for you or tow it if need be.
- Jumpstart: Dead batteries are no fun. A technician will appear and help to jumpstart your battery so that you can enjoy the rest of your trip.
Should you have a theft with your RV, or it is lost, Good Sam will put in place their Full Replacement Cost Coverage.
This allows you to receive a new RV under this covered claim. Speaking of theft, any personal belongings that are in your RV are covered under the Personal Effects Option for up to $3,000.
Good Sam’s Permanent Attachments Coverage deals with the exterior of your RV. Any awnings or satellites you have on your RV are protected under this plan at no extra cost to you.
For those seasons or moments that you are not using your RV or trailer, you can opt for the Storage Option.
This helps you to save on your Insurance by 53% whenever you store your RV for a period of time. Even if anything should happen to your RV while it is stored the RV will still be covered.
Full-Timer Coverage can be put in place for those that live in their RV all the time. Good Sam states that their Full-Timer plan is built like a homeowner’s policy but for RVs.
There is a Paid-in-Full Discount that will only be used if you pay the entire insurance policy at the time of purchase to lower your premium later on. There are other discount plans that you can add to your policy that include:
- Multi-Policy Discount: You are able to bundle your home with this option that can save you almost 10%. You can also bundle your other non-recreational vehicles under your RV insurance with Good Sam.
- Safe Driver Discount: Showoff your driving skills. If your driving record is great after you sign up with Good Sam you will be able to have a lower premium the longer you do not file a claim.
- Anti-Theft Discount: If you are taking measures into your own hands by using any anti-theft devices, you can receive this discount.
- Low Mileage Discount: This may seem counterintuitive to having RV insurance, but if you only use your RV once a month you could qualify.
Related reading: How to Prevent Travel Trailer Theft – 13 Steps that Work
The Disadvantages of Good Sam (Cons): 3/5
There have been a few undesirable things that come with choosing Good Sam RV insurance. Those disadvantages may come in the form of:
- Customer Service: Some customers of Good Sam have talked about how their customer service team takes a long time to file their claim. There have also been reports that while the Good Sam’s website says they will answer 24/7, they are unable to be reached on Sundays.
- Expensive One-Time Payment: When you are ready to purchase your insurance policy, the price can be a bit higher than usual. However, the monthly payments will be reasonable.
- Understanding the Fine Print: The fine print on the contract may be confusing at times to where you may have to ask your agent more questions than necessary.
- Personal Effects Option: While this option does cover $3,000 worth of stolen property from your RV, sometimes this may not be enough. If you have property valued at over $3,000 on your RV that is stolen, all of it will not be covered by Good Sam.
While you now understand what Good Sam has to offer you, trying to understand what you should look for in other RV insurance companies may run its course.
Related reading: How to Prevent Travel Trailer Theft – 13 Steps that Work
What You Should Look for In RV Insurance
So, when it comes to RV Insurance you want to make sure that it covers everything you need it to. With car insurance, there are a few things that need to be covered, but with an RV there are small extras that need attention.
Tips for RV Insurance Inquiry
Here are some tips when searching for RV Insurance at Good Sam with an RV Insurance Agent:
- Use a broker: Sometimes brokers are able to hand over savings that you would not normally have if you went to an agent through the company.
- Understanding your RVs value: Knowing the value of your RV will help your agent to determine the right price of the policy you are buying. If your RV is worth more than the policy they are offering, this could be a problem in the future when the time comes to make a claim.
- Know your total prices: So, you and your agent could have come up with a quote, but insurance companies will always have extras you can add on. There may be extra coverages that you like, and you should know how they will come together to determine the total estimate.
- Disclose your RV activity with your agent: If you live in your RV full-time you will want to disclose this to your agent as there may be other plans that will help give you more coverage. Or, this could just be an RV used for the weekends? Your policy’s price could lessen with this information.
- Where will you store your RV?: The zip-code of the area that you will store your RV in can lower or raise your policy. Certain issues or problems can occur in that area and the policy needs to be adjusted so that your RV has enough coverage.
- Consider joining an RV club: Some clubs or groups have access to discount codes that will give you a certain amount off of your premium. Even if there are no codes at the time you join, there could be some later.
- What does their coverage entail?: Know what your coverage has included in it. There may be some extras that you missed and now want to add. Do a double-check with your agent.
- What are the terms of your policy?: It may seem tedious but read the fine print. This shows you small details that could become a problem big problems later when you need to make a claim.
Questions for RV Insurance Inquiry
The following are questions you may want to think to ask an RV insurance agent when you have the chance, about the RV insurance company you are inquiring about.
- “Does this policy have certain days that I can use it?”: Some RV insurance companies work around seasons. Most people do not use RVs during the winter and spring months. So, if you use your RV during these potential off seasons, your premium may raise or lower.
- “I just purchased my RV or trailer. Is there a certain type of coverage for this?”: Most owners of an RV will ask this question after they purchase an RV. Full Replacement Loss Coverage is a great coverage to have as it protects your new purchase and allows you to quickly receive another RV.
- “What is included in my roadside assistance for the considered policy?”: There are sometimes small details or services that are not provided with roadside assistance from company to company. Make sure that the company you go with has what you need for emergencies.
- “Are there any discounts that I can apply now or work towards later on?”: Sometimes we just accept what the agent is telling us and move on. Although, there are lots of hidden discounts that you can apply for at the time of signing. Down the line, after you have signed you can apply for others.
- “How much will I be reimbursed for stolen or lost personal belongings?”: This will be tricky at times as many insurance companies will have a set limit of how much they will pay out to you and your stolen items. Discuss this with your agent and make sure this amount is seen in your contract.
- “Will the equipment on my RV be protected?”: With either awnings, bike racks, or air conditioners being a part of your RV, you want to know that these are covered by the insurance. If they are not, the cost of equipment will add up to a huge dip in your wallet.
- “How will my payments be set up?”: This can help you navigate when and how much your payments will be on any given pay date. There are insurance companies that will work with you on the pay cycles so that you are covered when you need it.
- “Do you cover trips outside of the United States?”: Taking a trip to Mexico or Canada is common among those who own RVs. There are companies who may not cover you in Mexico but will cover you in Canada.
- “Is there a number to how many claims I can make?”: The lower the number of claims you make the lower your premium will continue to be. Also the less at risk your insurance company will see you. However, you want to make sure that you are covered every time something happens with the RV.
RV Insurance Requirements
The best course of action is to shop around and collect as many discount codes and quotes as possible that will work to your best advantage. Any RV insurance company will look at the following to determine any insurance costs:
- Model of the RV
- Size of the RV
- Year of the RV
- Brand of the RV
- The owner’s driving history
- The owner’s credit history
- Marital Status
- Credit Score
- Storage Location
Laura W.: “Glenn not only helped me get my fifth wheel insured, but he also showed me how much I could save by bundling my car and truck insurance.
He saved me about $40 a month for the same full coverage on my truck, car and RV as I was paying for just my car and truck with another insurance company.“
Timothy G.: “Fantastic service. Saved us over 5k per year on auto, home, motorcycle and RV bundle policy, and it’s a 12-month policy! Took the time to find out what our needs were and followed up with a phone call a few days later. Best insurance experience I have had in years.”
Kenneth F.: “We were treated very well on the phone. Brandon was very cordial and helpful with questions we had.
The coverage is excellent, and we are saving about $25 a month from the insurance we had before.
We only use the RV a few weeks a year, so the discount price when it’s in storage works well for us. Our overall experience was great!“
Do You Actually Need RV Insurance?
RV insurance may seem like one of those things that you do not need. Now, while pondering the choice of Good Sam, you may have come across the question of, “Why yes, RV insurance does seem great, but is this something that I need at this moment?”
Should you have an RV that can be considered a motorhome or has an engine and is moveable on its own, you will need at least liability insurance. Most states will require that you have liability insurance to cover your RV and trailers.
Liability insurance will cover the property and bodily injury that was caused by you. This gives you peace of mind regarding the other person’s claims.
Related reading: Do You Need Collision Insurance on a Travel Trailer?
Towing a trailer like a travel trailer means that your auto insurance can be extended to cover that trailer.
Please remember to inform your auto insurance provider of your trailer, so that it can be added under your existing coverage plan. Take a chance to look over the fine print when it comes to this extension.
Even with the knowledge that most state want you to have liability insurance, you should still consider RV Insurance as a means to protect you and the people on board.
Should anything arise while you are on a trip, you just want to make sure that things can be handled as quickly and as smoothly as possible.
Not to mention that the entire point of having RV insurance is to ensure that financially, you are covered. No one wants to come out of their pocket for things that are extremely sudden or not their fault in the first place.
For example, If someone runs into your family’s RV and you do not have RV insurance and someone is hurt, you must now take them to the hospital without being reimbursed.
This will leave you financially and mentally drained as you try to find ways to help take the financial burden off of your shoulders.
Good Sam Contact Information
If you have questions about insurance policies, the Good Sam Club, Good Sam roadside assistance, or if you need to file a claim with them, you can contact them directly.
Good Sam insurance phone number: 1-888-514-1116
Good Sam insurance mailing address:
64 Inverness Dr. E, Englewood, CO, 80112
If you want to learn more about their insurance options, visit their website.
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