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elkhartjim

Good Sam vs FMCA Insurance Discount

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I contacted my insurance provider this week to make a change to my policy. They asked the usual questions but this time they had a different question,"are you a member of any rving groups like Good Sam's?". I said yes and then asked about FMCA; they are not on our list but with you being a member of Good Sam we can provide a better rate. Another benefit from Good Sam's I was not aware of.  BTW, the insurance provider is The Hartford.

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4 hours ago, Elkhartjim said:

I contacted my insurance provider this week to make a change to my policy. They asked the usual questions but this time they had a different question,"are you a member of any rving groups like Good Sam's?". I said yes and then asked about FMCA; they are not on our list but with you being a member of Good Sam we can provide a better rate. Another benefit from Good Sam's I was not aware of.  BTW, the insurance provider is The Hartford.

Jim, be very careful with The Hartford...we had them as our insurance company on our cars... had one very minor incident... they were great fixing everything....then, later trippled our rates.... repairs were only about $1,200 ....we would have been better paying for the repairs ourselves....we dumped them... business decision.

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I've been with them 8 years. Every year I have a friend that is an independent insurance agent check for best rates. He has not been able  to come close. As far as claims, they paid $10,000+ to replace my roof 4 years ago and never raised my rate. Repaired windshield chips on the motorhome 3 times and replaced the windshield on my wife's Lexus and no rate increase. When we moved from Montgomery County, TX to Comal County, TX, our rates when down substantially.

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About 2 months ago, I received a call from my agent that my Nationwide coverage was going to cost more at renewal. My 1st RV policy, and I have other coverage (multi-discounts). The increase would take me from $1,826 to nearly $2,500.

Got busy and called GS, and received a quote for a bit over $1,550. Better coverage, more comprehensive. Decided to add personal liability coverage too, which was about $25 more than Nationwide, but tied together with the quote, all coverage was better, and at a savings of around $900!!!

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Cheapest is not necessarily the best, there are a lot of factors that effect rate.  Size, value of coach, driving record, credit score, State, etc.

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Hard to lug that big a magnifying glass around.  One hour & $100, I get a yea or nay back!  :P

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On 8/12/2017 at 1:26 PM, elkhartjim said:

I've been with them 8 years. Every year I have a friend that is an independent insurance agent check for best rates. He has not been able  to come close. As far as claims, they paid $10,000+ to replace my roof 4 years ago and never raised my rate. Repaired windshield chips on the motorhome 3 times and replaced the windshield on my wife's Lexus and no rate increase. When we moved from Montgomery County, TX to Comal County, TX, our rates when down substantially.

I live in canyon lake, can you tell me who you have insure your rig? Thanks Terry

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Terry, he's with Hartford.  So, are a lot of my friends...I chose State Farm 2 years ago, low rates & they have a bank that will give me the type of loan on a new coach, that I want.

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