Good Sam RV Insurance Review

Rating: 9.7 / 10 (Excellent)
28 Customer Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. Learn more.
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

10/10
Coverage & Benefits
10/10
RV Coverage
10/10
Customer Support
10/10
Cost

Overall Rating: 9.7 / 10 (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 - 10 / 10

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 Motorhome
  • Class B Motorhome
  • Class C (Camper Van)
  • 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 - 9.5 / 10

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 & Experience

Customer Support - 9.5 / 10

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

Financial Strength

Financial Strength - 9.5 / 10

The Good Sam Insurance Agency serves as an insurance marketplace comprised of a network of national leading insurance companies, including National General, Progressive, Safeco, and Foremost. Progressive, for example, holds A ratings will major credit rating agencies Standard & Poor's, Moody's, and A.M. Best, evidencing the company's excellent financial strength and stable outlook.
Standard & Poor's Financial Rating
A
Moody's Financial Rating
A2
AM Best Financial Rating
a
*The above information reflects the financials strength of one of the partner RV insurance companies that this insurance marketplace offers policies through: The Progressive Corporation.

Contact & Additional Information

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

Top Rated
Our Partner
9.7 / 10
  • 96% overall customer satisfaction rating
  • Customers report average savings of $389 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!

Latest Good Sam Reviews

J
jerry
Chicago, Illinois

2/21/2018
This insurance co. is a big rip off, I got a claim went to their preferred repair shop for a quote after 2 weeks called them and they said the quote wasn't ready I asked when will it be ready they said they didn't know it takes time. I got a quote from Lackeys RV service for 5,884.00, Sent it along with pictures to national general as they requested they said they had no adjuster in Alabama I made emergency repairs and returned to the Chicago area they sent a check for 671.87 + 500.00 deductible total of 1,171.87 $4712.63 short of the estimate . I complained they sent another check for 1996.16 still $2716.47 short of the estimate I called back and complained and asked them to send a... Read More


K
Kathy
Fort Lauderdale, Florida

2/15/2018
Do not recommend the hype of this company! Their performance stinks. We got stuck on I-75 four miles north of Wildwood, Fl. Sunday at 4 pm. Calling Good Guy Sam was like calling a "nonexistent service". "We are sorry but there's nothing we can do for you. There is no tow truck or no service vehicle that we can send out. Try to get your vehicle to a truck stop and maybe we can help you." We could not move our vehicle. THIS MEMBERSHIP IS A RIP OFF!


J
John I
Peoria, Arizona

1/24/2018
"Good Sam Insurance is National General Insurance " 2nd Year without any claims or accidents and increased and yearly premium increased 35%.. The customer service reason is that it was its yearly company correction. So did everyone that had a auto policy in the US get a 35% increase also?


R
rascal1@rapidsys.com
Lithia, Florida

10/16/2017
WE HAVE HAD GOOD SAM FOR A SHORT TIME, WHILE COMING HOME FROM A CAMPING TRIP WE HAD A WHEEL PROBLEM, PULLED OVER AND FOUND OUT THE HUBCAP WAS MISSING ON THE BACK REAR TIRE ALONG WITH THE CAP, NUT AND OUTSIDE BERING , CALLED THE SERVICE DEPT. THEY CALLED SOME IDIOT WHO DID NOT SHOW UP FOR OVER TWO HOURS, SITTING ON THE SIDE OF THE ROAD IN 90 DEGREE FLA. SUN. I HAD TALKED TO THE MOBILE MECHANIC BY PH: ABOUT AN HOUR INTO THIS EVENT AND TOLD HIM WHAT WAS MISSING ETC. WHEN HE ARRIVED IN A BEATUP OLD SUV{WORK VEHICLE} HE DID NOT HAVE THE PROPER WASHER TO HOLD ON THE NEW BERINGS INSTALLED OR A CAP TO HOLD THE GREASE IN. I PERSONALLY HAD TO WIRE THE NUT WITH SOME WIRE I FOUND IN THE TRAILER SO IT... Read More


B
Beverly O
Columbus, Ohio

9/20/2017
Electronic brakes stopped working on our camping trailer. Good Sam Roadside Insurance sent out a technician who had never worked on a camper. After 2 hours, he gave up. We asked to have it towed to a dealer 17mi away. Good Sam refused & wants to send out another technician. What a rip off, we foolishly have been traveling around the country, paying for insurance that does absolutely nothing. Do not get involved with Good Sam!


M
M. S
Marquette, Michigan

8/31/2017
Good Sam (National General) refused to honor a legitimate claim.


S
steve b
Conroe, Texas

8/28/2017
Cons: Not anyway near the cheapest. For example, Allstate was at least $200 cheaper than Good Sam, Progressive and others for 6 month policy. Pros: Website was easy to maneuver and access.


M
Me
Mill Valley, California

7/30/2017
Yesterday I needed to get a new insurance policy for our RV. Good Sams quote was over $370, so I started checked out reviews and found this page. So I tried Progressive and got one for $130 for a year with 100k liability. For road service I use AAA. If you have a second vehicle to add to a policy, AAA is absolutely the best. Good luck on your insurance search everyone!


Lourdes L
Murphy, North Carolina

7/22/2017
Unfortunately in April 2017 I had to file a claim for my 2010 Allegro motorhome with Good Sam. All I can say is that the agent Katie Pitts was extremely courteous, professional and efficient. I am a USAA customer for 38 years and I didn't think other companies could/would compare to the outstanding service I received from Good Sam/National General insurance. I previously used Progressive and cancelled them because when I moved from Florida to North Carolina, Progressive transferred my policy to NC but reported to the state of Florida that had cancelled my policy instead stating that had moved and Progressive was still insuring me. I found this out when I went to the DMV to request a new... Read More


R
rafquinn@hotmail.com
Sierra Vista, Arizona

7/18/2017
Today was the day I needed Good Sam Insurance to provide the emergency towing assistance that I signed up to receive. They totally FAILED to respond to my situation. I was left on the side of the road with my grand kids, daughter-in-law, and wife. Absolutely and totally unsatisfactory. Don't waste your money on Good Sam Insurance. They don't provide promised services when you call. I'm seriously considering talking to my attorney about this disaster. You can be assured that I will not renew my policy with Good (BAD) Sam.


Cassie L
Summerville, Georgia

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
Bangkok, Bangkok

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
Jonesborough, Tennessee

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
Belle Chasse, Louisiana

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
Fort Worth, Texas

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
Burleson, Texas

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
Amarillo, Texas

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
Medford, Oregon

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 &
Homosassa, Florida

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
Medford, Oregon

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.


J
Jannette H
Kissimmee, Florida

1/21/2017
We had a hail storm which busted the outer cover of the bathroom skylight. This wasn't immediately obvious to us as when we checked on the RV everything was dry and there was no apparent damage as the inner skylight was not damaged. Then it rained two months later when we were at the RV and we discovered a leak at the skylight at which point we went on the roof and discovered the outer skylight damage. Long story short, National General Insurance which is Good Sam, has refused to cover our claim and we are having to sue and must wait to get our RV repaired. By the way, this is a 2014 Keystone Fuzion Chrome 5th wheel toy hauler, and the entire roof needs to be replaced with estimated... Read More


Blake T
Menomonee Falls, Wisconsin

12/12/2016
They don't have the ability to cover your RV if it's not on a small list of the manufacturers they choose to support. My very popular manufactured RV with a VIN and title "didn't show in his drop down" so he couldn't even offer a quote. Progressive could.


R
RoyL
Fort Benning, Georgia

8/27/2016
I am very dissatisfied with the the manner my claim was handled. They will recommend a Camping World. I carried mine 5th wheel to a Camping World to get it repaired promises were made every week, after five weeks later i went to pickup my RV ( to leave for a trip) and they had not even ordered the parts, the insurance company recommended another company to complete the repair and they could not get the parts. I had a $4948.00 estimate from Camping World only to find out Good Sams would only pay 1592.00. My deductible was $500.00 so now I have a RV that will not be properly repaired because they refuse to pay the estimated cost to repair the unit and they cannot provide me a preferred... Read More


A
Amy T
Queensbury, New York

8/24/2016
BEWARE! They say all the right things and have nothing to back it up. They are a nightmare. I have a seasonal- just go on the weekend kind of thing. I get a phone call from a camp neighbor saying water was coming from my outside kitchen, they opened the door and water came gushing out. It was a leaky faucet and my drainage going to the sewer is closed off while we are not there. Good SAM won't cover it! "Its not sudden damage they say, it happened over time" Really! Less than a week? It wasn't leaking that I know of when I was there less than a week ago. Needless to say- 2016 brand new camper. I have to swallow the bill of an outside kitchen! Do your self a favor. Its too good to be true!... Read More


M
Mark L
Ferguson, North Carolina

7/26/2016
BAIT & SWITCH - although the switch occurred a year later at renewal time. Good Sam Insurance Advertised they could save several hundred dollars on vehicle, RV and auto insurance - I called / got quote / and did save several hundred dollars by bundling all vehicles together in one policy, RV, cars, trucks, trailers, etc. Annual renewal time came - Premium increased from $2,700 to $3,400 - no explanation available from them as to why the increase - admitting that there were no reasons against me to cause an increase in premium (no accidents, no tickets, no claims, no nothing!) - only that National General just increased the premiums.