Insurance

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Joined
Mar 3, 2021
Messages
1
I currently have insurance on our 2014 Winnebago Access from National General. I've been looking at alternatives and have found a much less expensive policy from AAA with all the same coverages and limits. The lower premium reflects bundling car, home and RV insurances with AAA. Does anyone have AAA coverage for their motorhome and, if you've had to file a claim, what was your experience? Thanks.
 
Joined
Nov 15, 2019
Messages
500
Location
Frostproof, Florida
RV Year
2021
RV Make
Heartland
RV Model
Cyclone 4006
RV Length
44
TOW/TOAD
2021 F350 DRW
Fulltimer
Yes
I've never had AAA for insurance. But let me relate my recent experience with National General.

We have used National General (through Good Sams) for probably 10 or 11 years to cover our RVs. With our recent change from the Newmar to the fiver we called to change coverage. Our car and motorcycle have been with Progressive for several years.

National General would not give us a policy for the new fiver. There reasoning was that two years ago we had a claim for a windshield on the Newmar that cost them $3,600, plus they were somehow able to see a Progressive claim where our car was severely damaged by hail about 18 months ago. Because of these two claims, one of which was not even through their company, they refused to offer us a new policy. So much for taking care of your long time customers.

We went with Progressive and bundled everything. It turned out a better cheaper option for us anyway.
 
Joined
Jan 2, 2021
Messages
238
Location
NC
RV Year
2021
RV Make
Forest River
RV Model
Grey Wolf 26DBH
RV Length
31’7”
TOW/TOAD
Ford F-250 Super Duty
Fulltimer
No
Progressive also for our RV.
 
Joined
Dec 25, 2019
Messages
1,026
I've never had AAA for insurance. But let me relate my recent experience with National General.

We have used National General (through Good Sams) for probably 10 or 11 years to cover our RVs. With our recent change from the Newmar to the fiver we called to change coverage. Our car and motorcycle have been with Progressive for several years.

National General would not give us a policy for the new fiver. There reasoning was that two years ago we had a claim for a windshield on the Newmar that cost them $3,600, plus they were somehow able to see a Progressive claim where our car was severely damaged by hail about 18 months ago. Because of these two claims, one of which was not even through their company, they refused to offer us a new policy. So much for taking care of your long time customers.

We went with Progressive and bundled everything. It turned out a better cheaper option for us anyway.
Isn't that why one buys insurance? If you cannot have any claims, the insurance is useless.
 
Joined
Nov 15, 2019
Messages
500
Location
Frostproof, Florida
RV Year
2021
RV Make
Heartland
RV Model
Cyclone 4006
RV Length
44
TOW/TOAD
2021 F350 DRW
Fulltimer
Yes
Good Sams, Camping World, Gander Outdoors, and whatever other name they are calling some of their businesses this week, are all getting to be a joke IMHO.

We have stayed Good Sams members for almost 14 years to get camping discounts plus most of that time we had National General Insurance on our RVs. Now the only benefit is a camping discount once and awhile and those are getting few and far between. May be time to more on from Good Sams all together.
 
Joined
Nov 17, 2019
Messages
1,361
Location
Prince William, VA
RV Year
2020
RV Make
Newmar
RV Model
Ventana 4326
RV Length
43
TOW/TOAD
2020 Ford F-150
Foremost via Overland Insurance was the cheapest for us. A week ago, I got a quote from Brown & Brown which gave me a quote from Progressive which was slightly cheaper but not quite enough to go through the hassle of switching.
 
Joined
Sep 21, 2020
Messages
1,058
Location
Ringgold, GA.
RV Year
2006
RV Make
Holiday Rambler
RV Model
Ambassador
RV Length
40'
TOW/TOAD
2019 Jeep Grand Cherokee
I have Allstate. Everything I have is with Allstate. They've been good to me so far.
 
Joined
Jul 29, 2020
Messages
1,428
Location
AZ
RV Year
1983
RV Make
Alpinelite
RV Length
26'
TOW/TOAD
2016 Ram 1500
Fulltimer
Yes
I had allstate for years. When I put everything in storage and we started cruising the agent told me if I dropped the insurance, when we came back my insurance would reflect that I had been an uninsured motorist. Well they bad, I'm now with progressive and have been for more years than I was with allstate.
 
Joined
Jul 27, 2019
Messages
4,983
Location
Midlothian, VA
RV Year
2017
RV Make
Newmar
RV Model
Ventana 4037
RV Length
40' 10"
TOW/TOAD
2017 Chevy Colorado
Fulltimer
No
@MapNerd saved me a bunch of money on my insurance and I didn't even switch to Geico! I used Overland, which is a broker, they found Safeco was best for me and I switched from National General which jumped up 33% for no reason, no claims (other than one windshield).
 
Joined
Nov 17, 2019
Messages
1,361
Location
Prince William, VA
RV Year
2020
RV Make
Newmar
RV Model
Ventana 4326
RV Length
43
TOW/TOAD
2020 Ford F-150
That reminds me, I never received my commission @Neal
 
Joined
Jul 27, 2019
Messages
4,983
Location
Midlothian, VA
RV Year
2017
RV Make
Newmar
RV Model
Ventana 4037
RV Length
40' 10"
TOW/TOAD
2017 Chevy Colorado
Fulltimer
No
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