Good Sam Insurance National General: A Comprehensive Review

Embarking on an RV adventure brings a unique blend of freedom and the need for protection against the unpredictable. That’s where Good Sam Insurance National General comes into play, offering specialized RV insurance coverage for those of us who crave the open road. As an RVer, I’ve encountered varied experiences with insurance providers, but Good Sam, aligned with National General—known for underwriting Good Sam’s RV policies—has sparked a debate within the community, with some users saving considerably on premiums while others grapple with the nuances of claim handling.

In crafting this comprehensive review, we’ll delve deep into Good Sam and National General’s insurance provisions. Our focus will be on dissecting their coverage options, comparing pricing structures, evaluating discounts, scrutinizing customer service standards, and navigating the claims process. Our journey concludes with final recommendations, fully equipping you with the knowledge to decide whether Good Sam Insurance National General aligns with your RV lifestyle. Whether you’re a seasoned RVer or a newcomer to the scene, this article aims to steer you towards a well-informed decision for your rolling abode’s shield.

National General Insurance Overview

Since its inception in 1939, National General Insurance has carved out a niche as a specialty personal lines insurance provider. With a robust portfolio that spans from personal and commercial automobile insurance to homeowners, renters, recreational vehicle, motorcycle, and supplemental health insurance, the company has established itself as a versatile player in the insurance market. Here are some key aspects of National General Insurance:

  • Financial Stability: National General Insurance is recognized for its financial robustness, boasting an A- (excellent) rating from A.M. Best, signifying a strong ability to meet ongoing insurance obligations.
  • Nationwide Reach: The company’s services are bolstered by a professional claim response team and an extensive network of over 55,000 independent agents, ensuring policyholders have localized and expert support wherever they are in the country.
  • Allstate Affiliation: As an integral part of the Allstate family, National General Insurance benefits from over a century’s worth of industry experience, reinforcing its commitment to safeguarding what is most important to its customers.
  • Direct Access and Support: Policyholders enjoy direct access for routine servicing needs, such as managing payments and processing claims, simplifying the customer experience and providing peace of mind.

With its headquarters rooted in Winston Salem, North Carolina, National General Insurance upholds a legacy of customer-centric service, ensuring that whether it’s your vehicle, home, or personal possessions, your assets are comprehensively covered. As we continue to explore Good Sam Insurance National General, these foundational elements of National General’s offerings underscore the company’s dedication to delivering quality insurance solutions across the United States.

Good Sam Insurance Overview

In our exploration of Good Sam Insurance National General, it’s crucial to understand the offerings from Good Sam Insurance Agency. As an RVer myself, I’ve appreciated their dedication to providing a variety of insurance services tailored to the unique needs of the RV community. Here’s what sets Good Sam Insurance apart:

  1. Specialized RV Coverage: Good Sam Insurance is well-known for its specialized RV insurance, offering policies that are specifically designed for different RV types, including Class A, B, and C motorhomes, as well as travel trailers and pop-ups. This specialized approach can lead to significant savings for customers, with the potential to save up to $530 per year.
  2. Customizable Policies: Understanding that every RVer has different needs, Good Sam Insurance allows for the customization of policies. Whether you need to insure your tow vehicles, boats, ATVs, or personal belongings like clothes and electronics, they’ve got you covered. This level of customization ensures that your insurance truly reflects your lifestyle.
  3. Full-Time RVer Coverage: For those who call their RV home, Good Sam Insurance offers coverage similar to a homeowners policy, providing full-time RVers with the comprehensive protection they require.
  4. Premium Coverages: Good Sam Insurance doesn’t just offer the basics; they provide premium coverages that cater to the RV lifestyle. This includes multi-vehicle discounts, full replacement cost coverage, and options for storing your RV. They also cover personal effects and attachments, ensuring that every aspect of your RV is protected.
  5. Partnerships with Top-rated Insurers: By working with highly regarded insurance companies such as Progressive and National Interstate, Good Sam Insurance can offer a range of options to fit various budgets and preferences.
  6. Customer Satisfaction: The positive reviews from customers underscore Good Sam Insurance’s commitment to service excellence.
  7. Insurance Education: Good Sam Insurance also provides an advice hub for customers, offering tips and education on insurance-related topics, which is invaluable for making informed decisions.

To get a quote tailored to your needs, simply enter your zip code and desired insurance type on their website, or call 1-888-514-1116 and mention Savings Code TD-80, ensuring you’re on the road to savings and security with Good Sam Insurance National General.

Coverage Options Compared

When considering RV insurance, it’s important to compare the coverage options that Good Sam Insurance National General and National General offer. Both are reputable companies, but they have distinct features that cater to different needs.

Good Sam Insurance National General:

  • Specialized RV coverage for various RV types, including Class A, B, and C motorhomes, travel trailers, and pop-up campers.
  • Total loss replacement benefit is a standout feature for those concerned about the full value of their RV in the event of a total loss.
  • Customizable policies allow for adjustments based on RV usage, with costs influenced by factors such as RV make/model, usage frequency, driver’s age, and driving record.
  • Full-time RVers can benefit from coverage that mirrors homeowners’ insurance, providing extensive protection.
  • Despite its popularity, Good Sam’s rates may not be the lowest in the market, with Progressive offering cheaper rates for some RV models.

National General:

  • As part of the Allstate family, National General runs Good Sam RV insurance, ensuring a solid backing and stability.
  • Offers full replacement value coverage, which is not provided by all competitors, such as Geico.
  • Allows policyholders to reduce premiums during storage periods and pause coverage when the RV is not in use, which can lead to significant savings.
  • Provides a purchase price guarantee, ensuring policyholders can recoup their investment in the event of a total loss.
  • However, National General’s coverage is limited to Class A, Class C, and toterhomes, excluding other types of RVs.

Both Good Sam Insurance National General and National General have had mixed customer service experiences, with some users reporting positive interactions and others facing issues with claims handling. It’s important to note that while Good Sam offers a broad range of coverage, National General provides specific benefits that may appeal to RV owners who require flexible coverage options. Therefore, it’s recommended to review each provider’s offerings and get quotes to determine the best fit for your RV insurance needs.

Pricing and Discounts

When exploring the cost-effectiveness of Good Sam Insurance National General, it’s vital to consider the various factors impacting pricing and the availability of discounts that can make a significant difference in your premiums. Here’s a breakdown of what to expect:

  • Coverage Options and Pricing Factors
    • Good Sam offers a range of coverage options, including 24/7 roadside assistance, emergency expense allowance, and pet injury coverage.
    • National General provides full replacement cost, specialized equipment coverage, and even Mexico insurance options for your RV.
    • Prices are influenced by RV type, age, condition, location, driving experience, claims history, and desired additional coverages.
  • Discounts Available
    • Good Sam Insurance discounts: multi-vehicle, original owner, claims-free, and safety course discounts.
    • National General Insurance discounts: multi-vehicle, diminishing deductible, and military discounts.
  • Real-World Pricing Insights
    • Some Good Sam policyholders have found quotes to be half the price compared to their existing policies with competitors.
    • A particular user reported a significant savings by bundling all insurance with Hartford AARP.
    • On the flip side, another user experienced a rate increase during the second year with National General.

It’s clear that your specific circumstances will greatly influence your premium. For instance, one user with full-time coverage on a 2022 Entegra Accolade Super C initially paid $1174, only to see a renewal increase to $1343. It’s also noteworthy that while Good Sam acts as an agent representing various carriers, they do not underwrite any actual insurance, which can affect the negotiation of rates. To get a personalized quote and see how discounts can lower your costs, it’s best to directly contact Good Sam Insurance National General or compare rates with other providers like Progressive or Geico, known for excellent customer service and additional perks like waiving deductibles on windshield replacements.

Customer Service and Claims Process

In our quest to provide a thorough understanding of the customer service and claims process for Good Sam Insurance National General, it’s important to consider the varied experiences shared by users. Here’s what we’ve gathered:

  • Customer Service Experiences:
    • Positive interactions include efficient claims handling and smooth coordination with repair facilities.
    • Negative experiences often involve poor communication and unhelpful responses from customer service representatives. For instance, some RVers have expressed frustration with receiving misleading information or experiencing delays in the claims process.
    • It’s worth noting that Good Sam Insurance has a slightly higher user review score (3.7/5) compared to National General, indicating a marginally better customer satisfaction rate regarding service and claims handling.
  • Claims Process Insights:
    • Policyholders have appreciated quick and efficient claim updates and the ease of working with adjusters.
    • Conversely, there are reports of significant premium hikes following claims, contributing to customer dissatisfaction.
    • In certain medical claim situations, National General has been identified as the primary payer due to federal regulations, which has sometimes led to complications when coordinating with other insurance providers.
  • Proactive Steps for Policyholders:
    • To potentially secure more favorable rates, it is advisable for users to shop around for quotes, which may provide leverage in negotiating lower premiums with National General.
    • Filing claims can be done through various channels, including online, by phone, or via a mobile app, offering convenience and accessibility around the clock.

By considering these points, RVers can better anticipate what to expect from Good Sam’s customer service and the claims process with National General. Understanding these facets is crucial in making an informed decision about your RV insurance needs.

Final Recommendations

Throughout our comprehensive review of Good Sam Insurance National General, we’ve journeyed through the nuanced terrain of RV insurance, closely examining coverage options, pricing, and customer service experiences. Our investigation reaffirms the significance of carefully evaluating insurance providers, as individual needs and circumstances can dramatically influence the value and satisfaction derived from a policy. Indeed, what emerges is the essential truth that a one-size-fits-all approach is inadequate in the realm of RV insurance, and that Good Sam Insurance National General, with its spectrum of specialized coverages and the backing of National General’s robust network, stands as a competitive contender for the vigilant RVer.

The implications of choosing the right insurance partner are far-reaching, going beyond mere cost savings to encompass peace of mind while out on the open road. As we conclude, RV enthusiasts are urged to consider the insights shared here, balancing cost-effectiveness against service quality and claims responsiveness. In making an informed decision, one must weigh the personalized nature of Good Sam’s offerings and National General’s flexibility. Ultimately, the journey ahead demands insurance that not only secures your mobile haven but also tailors to your adventurous spirit, fostering endless exploration with confidence and protection.

FAQs

Are Good Sam and National General two separate entities? Yes, Good Sam and National General are distinct companies and are not the same entity.

Can I trust National General as an insurance provider? National General’s customer satisfaction is considered below average. It was ranked 19th out of 21 insurers in the 2022 J.D. Power U.S. Auto Claims Satisfaction Study.

What is the AM Best rating for National General? The AM Best rating for National General is not provided in the given information.

Which company offers the best insurance for RVs? Progressive is recognized as the top provider for RV insurance, offering competitive pricing, coverage options, and customer service. Other reputable insurers include Good Sam, Geico, Nationwide, Allstate, and State Farm.

Which company acquired National General? National General was acquired by Allstate in July 2020, and the acquisition was completed in January 2021.

Who is the current owner of National General? National General is currently owned by Allstate and is one of the largest insurance providers in the United States.

How does National General’s insurance compare to Progressive’s? Progressive is rated higher than National General by WalletHub, with 3.9 out of 5 stars compared to The General’s 2.3 out of 5 stars. Progressive also tends to offer lower premium rates than National General.

Why might National General Insurance premiums be higher than average? National General’s insurance premiums may be higher due to their focus on customers with less-than-perfect driving records, as well as other factors like age, gender, and driving history.

Is National General a subsidiary of Allstate? Yes, National General became part of Allstate after its acquisition in 2021, expanding Allstate’s suite of coverage solutions.

Which insurers provide the most affordable RV insurance? Nationwide, Progressive, and Allstate are among the top choices for affordable RV insurance. The most economical coverage is liability insurance, which can cost as little as $125 per year.

What is the leading RV brand on the market? Based on research, the top RV brands include Grand Design, Airstream, Oliver Travel Trailers, Winnebago, and Newmar.