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Old 08-26-2015, 10:28 PM   #15
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Originally Posted by ghaynes755 View Post
I had Good Sam which is an OXYMORON name. Had an exclusion in their policy which did not cover $8K of damage last year when the storage lot moved the trailer. No other policy I have seen since then has this exclusion and I reviewed a lot of policy language to make sure that I didn't fall into the same issue. When I got the new Classic I shopped around. Try the folks up at Americas Mailbox. They have an in house insurance guy who pulled quotes from about 6 different companies. Pick one that you are comfortable with at a price you like.
Thanks for the warning. Ours is kept in storage too, so def something I need to look into.
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Old 08-26-2015, 11:32 PM   #16
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We had Good Sam for awhile but they required us to insure our tow vehicle with them as well as the trailer and then we had to tell them ahead of time every time we took it out of storage which was a royal pain plus I was always afraid the one time we forgot to notify them would be when we needed the coverage and they'd refuse to pay. One way they offer better pricing is that the rates are different when it's stored and when it's driven so you pay a "blended rate". We ended up going back to State Farm (with the newer Airstream there was no problem getting full coverage even for our modifications) ...got a better rate overall and no more notification and worry about "are we covered".
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Old 08-28-2015, 10:57 AM   #17
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Depreciating Asset

I'm sure that 85% of the people reading this post know these three facts, so this might be a post to hand to anyone under age 25 (or the thirty year old "child" who still lives at home.)
  1. insurance is really designed for major disasters, not minor boo-boos. Filing any claim starts the process of raising your rates, so if you have $500 deductible and have a repair estimate of $625... pay it out of pocket. The insurance companies - with much justification - believe that the cost of documenting and investigating is often as much as the cost of paying the claim.
  2. "accident forgiveness" is the biggest pile of hype that insurance companies have come up with in a decade. You pay a higher premium to get "forgiveness" so basically you pay for the accident BEFORE you have it... and you might never have one!
  3. any vehicle does depreciate. Year after year you pay the same premium - or it might actually go UP - for a car that's worth LESS money every year! If you confront your agent (or even go to a different agent with the same company) you can get a quote that is lower because the value of the 5 year old car is considerably less than the value of the car when it was new. Level with your agent, and she will re-cover you at the lower rate.
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Old 08-28-2015, 12:14 PM   #18
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I have AARP (Hartford) switched from Good Sam (GMAC), Half the price, same coverage.
Same here... They literally were half the price of our Allstate we had before. Hartford covers our house, too. Extremely satisfied with them - been using ‘em for over 15 years.
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Old 08-29-2015, 08:55 AM   #19
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We have Safeco, they been good, have $1000 deductible ...
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Old 08-29-2015, 09:36 AM   #20
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There are two important points regarding insurance. One is the fact that every state has different regulations for coverage and what I pay in Colorado has no relation to what someone pays in another state for the exact same coverage. Second, double or even triple check your umbrella coverage and make sure that you are covered by your policy in the event there is an accident with an RV insured by another carrier. As an example, my Encompass umbrella policy will not cover events on my classic cars that are insured by Hagerty.
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Old 08-29-2015, 10:03 AM   #21
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We joined Good Sam and Camping World because we thought it might be a good idea re-entering the RV world. Recently we've been inundated with "buy our insurance" junk mail. I've been with USAA for 35 years and only one claim - nobody even comes close.
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Old 10-27-2015, 04:23 PM   #22
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Well, it appears I cannot get stated value coverage for a '68 Safari, anywhere from anybody. Tried USAA, Progressive, Good Sam, Allstate and AAA - the Good Sam lady simply predicted, flat out, that I would not be able to find or purchase it anywhere. The best I can get is ACV, which is NADA, which is one third of what we're paying for the thing. What do all the vintage/classic owners do?

Jay Dunham
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Old 10-27-2015, 05:39 PM   #23
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Great question! I have 20k invested in a $5000 MoHo. I will anxiously watch for replies.
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Old 10-29-2015, 05:17 AM   #24
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Well, it appears I cannot get stated value coverage for a '68 Safari, anywhere from anybody. Tried USAA, Progressive, Good Sam, Allstate and AAA - the Good Sam lady simply predicted, flat out, that I would not be able to find or purchase it anywhere. The best I can get is ACV, which is NADA, which is one third of what we're paying for the thing. What do all the vintage/classic owners do?

Jay Dunham
You might try Hagerty Insurance in Traverse City MI. They handle all kinds of vintage vehicles, starting with classic wooden boats decades ago. Looks like they might be worth contacting.

https://www.hagerty.com/Insurance/Cl...ility-Vehicles

Good luck!
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Old 10-31-2015, 07:02 PM   #25
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Thanks for the Hagerty suggestion. I did that already. They do cars, boats and trucks, but no RVs.
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Old 10-31-2015, 07:24 PM   #26
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We use Hartford - they cover both our vehicles and our Airstream. Full coverage - also covered our ’67 Safari for the declared value (that which we had appraised). They’ve been great and not expensive.
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