Everything You Need To Know About National General Good Sam Insurance

National General and Good Sam provide specialized RV insurance policies designed specifically for motorhomes, travel trailers, and other recreational vehicles. This comprehensive guide covers key details on National General’s Good Sam RV insurance products, coverage options, discounts, claims process, and more.

Introduction to National General Good Sam RV Insurance

Good Sam RV insurance is offered by National General Insurance, which acquired the Good Sam brand. Good Sam has over 50 years of experience specializing in RV insurance.

Key things to know:

Part of National General, which provides insurance products nationwide
Focuses exclusively on RV insurance
Policies available in all 50 states
Coverage for motorhomes, travel trailers, pop-ups, campers and more
Package policies and extensive specialized options
Discounts for safety equipment, combining with auto policy, loyalty, and more

Good Sam is endorsed by the Good Sam Club, which provides additional member benefits like trip planning, roadside assistance, discounts and more.

Overview of Good Sam RV Insurance Coverages

Good Sam RV insurance provides all the standard coverages plus specialized options tailored for RVs:

Liability Insurance – Covers injury or property damage you cause to others

Uninsured Motorist – Protects you if hit by an uninsured driver

Medical Payments – For medical bills incurred after an accident

Collision – Repairs damage from an accident

Comprehensive – Covers damage from fire, theft, vandalism, weather, animals

Emergency Expense Allowance – Pays for hotels, food and other costs if RV is undriveable after a covered loss

Full Replacement Cost – Pays to replace a totaled RV with a new comparable model

Personal Belongings – Covers loss of possessions and gear like computers, clothing, dishes, etc.

Vacation Liability – Extends liability to cover injuries that occur off-vehicle like at a campsite

Mexico Physical Damage – Provides coverage in Mexico for events like theft, vandalism or an accident

Getting a Good Sam RV Insurance Quote

You can get a free, personalized Good Sam RV insurance quote in just a few minutes online or by calling their agents at 1-888-514-1116. You’ll need to provide:

Your contact info
Details on your RV like year, make and model
Where your RV is stored/garaged
How your RV is primarily used such as full time or seasonal
Your driving record, prior insurance history and experience towing RVs

This information allows Good Sam’s agents to provide the most accurate quote. Be sure to ask about all available discounts you may qualify for. Comparing quotes from Good Sam and other top RV insurers ensures you get competitive rates.

Popular Discounts from Good Sam RV Insurance

Taking advantage of discounts is the best way to save on your Good Sam RV insurance policy. Ask about applying these common discounts:

Multi-policy discount – Bundles RV with your auto or home insurance
Loyalty discount – For renewing your policy continuously with no lapse
Safety features discount – For having equipment like anti-theft devices, tire pressure monitors, backup cameras
Association membership – For belonging to RV clubs like Good Sam Club, FMCA, etc.
Claim-free discount – For going claim-free for 5+ years
Full pay discount – For paying policy premium in full upfront
Paperless discount – For opting into e-documents and automatic payments

Every discount lowers your premiums. Make sure you clearly understand all the savings available to you.

Why Choose Good Sam for RV Insurance?

There are many benefits that make Good Sam a top choice for RV insurance:

Specialized RV coverage – Policies tailored specifically for motorhomes and trailers

Flexible usage – Policies accommodate seasonal, full-time and over-the-road RVers

Robust options – Lots of customizable add-ons not typically included in standard auto insurance

Highly rated – Good Sam RV insurance consistently earns 5-star customer reviews

Bundling discounts – Save up to 30% when you combine RV and auto insurance

Superior service – Dedicated agents with expertise in RV insurance needs

Strong financials – Good Sam policies backed by National General’s strong fiscal position

Access to experts – Free concierge connection service for help booking campsites and trip planning

For protection customized for your RV lifestyle, Good Sam is a top choice to consider.

Filing a Claim with Good Sam RV Insurance

If you need to file an RV insurance claim with Good Sam:

Call 1-800-234-3450 ASAP – This starts the claims process and gets you help fast

Take photos of damage – Document the damage or theft with photos for your claim documentation

Make temporary repairs if needed – Take reasonable steps to prevent further damage until approved repairs can be made

Keep receipts for expenses – Hotels, food and other costs may be reimbursable under emergency expense allowances

Work with your claims adjuster – Provide all necessary documentation and be responsive to move the process along

Accept the settlement – If you agree with Good Sam’s claim settlement offer, accept to get your RV repaired

Good Sam prides itself on fast RV insurance claim resolution so you can get back on the road.

Getting Roadside Assistance with Good Sam

All Good Sam RV insurance policies automatically include access to their expert roadside assistance. It includes:

24/7 towing to the nearest qualified repair shop
Flat tire changes
Battery jump starts
Lock-out key recovery
Emergency fuel delivery
Winching if your RV gets stuck

So you’ll have peace of mind knowing help is only a call away if you break down on a trip. Additional Good Sam Club benefits can give you further discounts on roadside assistance.

Why RV Insurance Is Different Than Auto Insurance

RV insurance has important differences from standard auto insurance. Key reasons to get a specialized RV policy include:

Higher coverage limits – RVs cost more to repair and replace than autos

Full replacement policies – Optional coverage to replace a totaled RV with a brand new model

Specialized equipment – Coverage for RV-specific items like awnings, TVs, appliances, furnishings

Vacation liability – Protects you at campsites away from the RV

Mexico coverage – Auto insurance often excludes Mexico so you need coverage for cross-border trips

Better discounts/bundling – Discounts like multi-policy and association membership savings

Roadside assistance – Tailored for larger towing needs of motorhomes and trailers

Experienced agents – RV insurance specialists, not general auto agents

Make sure you protect your RV investment with the proper coverage, not just an auto policy.

Should I Get RV Insurance for a Vehicle I’m Storing/Not Driving?

Yes, you need to maintain RV insurance coverage even when your motorhome or trailer is stored or not being driven. Letting coverage lapse leaves it unprotected.

However, Good Sam does offer a “storage use” discount when your RV is stored for extended periods without use. This can discount premiums around 50-60% for time frames like:

Over the winter
While parked at your permanent residence
When used only seasonally

This makes insurance costs more affordable for RVs that are stored most of the time. But keep some basic coverage in place even when not driving to be safe.

Is RV Insurance More Expensive for New RVs?

Yes, insuring a brand new RV typically costs more than an older model. Key reasons include:

Replacement cost – A total loss would require providing the value of a new RV, rather than depreciated older value

Repair costs – Newer unit models cost more for parts/labor to repair damages

Financing requirements – Lenders often require you carry full replacement cost value

Added features – More electronics, appliances and equipment mean costlier coverage

However, you can mitigate costs on newer RVs by choosing slightly higher deductibles and paying premiums in full. Discounts also help offset some added costs.

How RV Driving Record Affects Insurance Costs

Your driving history has a significant impact on RV insurance premiums. Key factors insurers look at:

Recent at-fault accidents – Especially collisions while towing or driving your RV will raise your rates

Experience towing RVs – New RV owners with no prior experience typically pay more

Major violations – Things like DUI or excessive speeding lead to much higher premiums

Frequency of claims – Too many claims for minor issues may cause rate hikes

Maintaining a clean, safe driving record helps keep your Good Sam RV insurance rates low. Taking an RV driving safety course can also earn you premium discounts.

Why Get Mexico RV Insurance?

Most standard U.

The TRUTH about Good Sam Insurance – Info for RV newbies and full timers

FAQ

Are Good Sam and National General the same company?

Good Sam and National General are not the same company. Good Sam is an insurance agency that sells insurance for RVs. The policies that you purchase through Good Sam are underwritten by National General, which means National General is responsible for processing your Good Sam RV insurance claims.

Why is National General Insurance so expensive?

Like other car insurance companies, National General bases your insurance premiums on several factors, including your age, gender, and driving record. Because National General caters to customers with less-than-perfect driving records, its rates tend to be much higher than the industry average.

Is National General and the General the same insurance?

The General and National General are not the same company. Although both companies are publicly traded companies, National General is owned by the Allstate Corporation while The General is owned by PGC Holdings Corp.

Is National General a subsidiary of Allstate?

National General, an Allstate company, is one of the largest insurers in the United States. We’re proud to have been helping people insure what matters most to them since 1920. Our insurance roots trace back to the early days of the automobile.