Good Sam RV Insurance Review for 2023

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In: Insurance
J.D. Power Overall Satisfaction Ranking 2 out of 5 stars
A.M. Best Rating A-
Customer Service Call 1-888-514-1116
Discounts Available Yes

Compare how Good Sam Insurance measures up to highly-rated recreational vehicle insurance.

Americans are increasingly choosing to engage in outdoor recreational activities, with more than 40 million people participating in various forms of camping and other outdoor vacations. According to statistics from the RV industry, over 60% of households in the United States have owned an RV since 1980. However, enjoying the great outdoors also comes with a significant responsibility, which includes having RV insurance.

One of them is Good Sam, and multiple companies provide insurance for recreational vehicles. Malfunctions, theft, and collisions are safeguarded by maintaining a recreational vehicle insurance policy, similar to car insurance, where recreational vehicle insurance is mandatory.

To carry a Good Sam RV insurance policy, this Good Sam review will cover the pros, cons, eligibility requirements, and quote process.

In this review:Output: In this critique:

Good Sam RV Insurance
J.D. Power Score 2 out of 5 stars
A.M. Best Rating A-
Discounts Available Multi-Vehicle, Paid-in-Full, Multi-Policy, Paperless, Safe Driver, Anti-Theft, Homeowner
Coverage Options Full-Timers, Full Replacement Cost, Mexico Insurance, Medical Payments, Diminishing Deductible, UMBI Stacked
Visit Lender Visit Rates

The Good Sam Insurance Agency offers a range of insurance products that support the travel of fifth wheels, trailers, and motorhomes, including recreational vehicles. It also provides a comprehensive umbrella of services for RVers, such as extended warranties, roadside assistance, and loans. Known as the flagship club for RVs, the Good Sam Club is associated with the Good Sam Insurance Agency.

In order to discover the most favorable rate, Good Sam Insurance Agency collaborates with various insurance providers (including Progressive, National Interstate, Foremost, and Safeco). Their specialized RV coverage promises to help policyholders save an average of $321 annually. Regardless of whether you reside in an RV on a full-time basis or only utilize it occasionally throughout the year, Good Sam Insurance Agency has a tailored plan to suit your requirements.

All Good Sam RV insurance policies include these characteristics. The standard policy for RV owners encompasses comprehensive coverage for personal injury and property damage liability, as well as collision and liability injury protection.

  • $3,000 protection for personal possessions: Automatic protection for the belongings within your vehicle–including electronics, appliances, clothing, and other items–up to a maximum value of $3,000.
  • Permanent connections: Includes equipment that is physically connected to your RV such as awnings, antennas, and satellite dishes.
  • If you decide to buy a new RV to replace your current one, you will be reimbursed the entire initial purchase amount if it has been more than five years since its model year. In case your RV is either completely damaged or stolen within the first five years of its model year, you have the option to receive a brand new RV that is similar in value. Moreover, there is also the choice to receive full reimbursement for the replacement cost.
  • This allowance will provide coverage for food and accommodation expenses, up to $500, in case you find yourself stranded over 100 miles away from home because of a covered accident or emergency situation.
  • Storage choice: If your RV is in storage for over 30 days, you have the option to pause collision and liability coverage.
  • If your RV and car are insured under the same policy in the event of the identical accident, you will be eligible for a reduction and solely responsible for one deductible payment.
  • If there are no charges for new parts, you will not have to pay a reduced value for your RV undergoing collision repairs for parts that are prone to wear and tear such as tires and brakes.
  • Theft incentive: Receive up to $500 for details that result in a conviction when your recreational vehicle is stolen.

    • Policies can be customized to suit individual needs. You can add features such as Mexico insurance or diminishing deductible coverage without any additional increase in premiums. Additionally, you have the option to pay extra for these added benefits.

    How to get a Good Sam RV Insurance quote

    Get a quote for RV insurance from Good Sam by either going online or calling their toll-free number and speaking to an insurance agent. If you’re prepared to apply, you will need to have certain fundamental information readily available.

    The information you will require comprises of:

  • Personal information: full name, contact number, date of birth, home address, gender, marital status, email address, Social Security number.
  • The requested effective date for coverage, any safety courses for recreational vehicles, instances of insurance fraud, infractions within the last three years, driver’s license number, and driver details.
  • RV specifications include various fundamental ownership inquiries such as rental status, duration of possession, safety and security attributes, physical design, quantity of slide-outs, dimensions, fuel type, manufacturing year, model, maker, and storage site.

    • If you have any questions or need assistance with departmental customer service, you can chat online with a representative who is available. Before making any adjustments to your purchase and reviewing your coverage, you have the option to choose monthly installment or receive a 12-month quote that can be paid in full for a discount. Once you complete the process, you will receive the quote.

    Please be aware that making excessive modifications could potentially result in errors with the online quotation tool.

    Pros. and cons of Good Sam RV Insurance

    There are advantages and disadvantages to obtaining Good Sam RV insurance. Here are a few to contemplate.

    Pros.

  • You can temporarily pause portions of your insurance coverage while your recreational vehicle is in storage, potentially decreasing your premium by 50%.

  • According to its website, the majority of small claims are settled within 48 hours.

  • Good Sam’s basic policy includes additional benefits compared to other insurers at an additional cost.

    • Cons.

  • In order to obtain coverage, you need to purchase a distinct Good Sam Roadside Assistance scheme. Roadside aid is not provided in the primary policy, and it is also not accessible as a supplementary option.

  • Navigating through the website of the Nha Trang Institute of Oceanography is quite challenging, and an error occurs when attempting to customize a quotation.

  • If you desire an online quotation, you must acknowledge requests from Good Sam’s “reliable associates.”

    • Roamly’s Proprietary Line of RV Insurance Modernizes Coverage

  • Receive assistance from authorized representatives.
  • Accessible in the majority of states.
  • Obtain a quotation within a mere 60 seconds.

    • Who’s eligible to get Good Sam RV Insurance coverage?

    Sam Good covers a variety of recreational vehicles including Motorhomes of C Class, B Class, and A Class, as well as Airstreams, travel trailers, and 5th wheels. The cost of insurance for your motorhome may fluctuate based on your age, state of residence, and driving record. However, most consumers are eligible for insurance coverage from Sam Good.

    In order to obtain coverage, you must possess a legitimate driver’s license, a Social Security number, and be at least 18 years of age. It is not necessary for you to be a member of the Good Sam RV Club in order to acquire Good Sam RV insurance.

    Where to find alternatives to Good Sam motorhome insurance

    If you live in your RV full-time, it is important to ensure that you are covered by the right insurance company, especially if something goes wrong. Insurance coverage is one of the significant expenses associated with owning an RV.

    We recommend getting quotes from at least three RV insurance companies to make sure you’re getting the best options and rates.

    Interested in learning more about Good Sam RV Insurance? Take a look at their website.

  • Comprehensive Replacement Coverage? Absolutely.
  • Coverage for Personal Belongings: Up to $3,000.
  • Multi-Car Discount: Up to 20%.