I got a quote from Good Sams. They gave me a rate from National General that was half of what I have been paying with Geico. The only difference that I can see is that Geico gave me a vacation rate instead of the full time rv rate. We have been full time for 4 yrs and should have been on the full time rate all the time. I wasn't aware that there was a difference in coverage between vacation and full time. Be sure to check your coverage whoever you are with.