I'd stayed with GMAC for years, mostly because of the liability suspension feature that saves hundreds each year.
But then I had a claim. Though Overland didn't have a comparable policy that saved money via seasonal suspension, Ron Jarvie outbid other independent agencies on the next best thing, and we ended up with Allied. Yeah, it's more money overall because I can't suspend liability while the rig is parked, but al least if I have a claim the word is that I won't have the same ridiculous hassle I experienced with GMAC.
If you spend some time to talk with Ron himself, you'll be glad you did. He'll tell it straight if you explain your Hartford quote... there may be a good reason for the difference, and he will give you an honest analysis, including if Hartford is indeed better for you.
Joel
Addendum:
Actually I had 2 claims with GMAC. The one for the windshield chip took 6 months to get a $35 check on. The one for the scratch repair and paint at BCS in Bend also took some doing to get. Then after I told them to send the proceeds to BCS, they sent the check to my house which I wasn't in at the time since, as I'd explained to the GMAC adjustor, we would be on the road for 6 months. After awhile Ken at BCS advised me he hadn't received anything from the insurance company, and I had my daughter go to the house and check the mail... where she found the check. The really dumb part is that the adjustor had specifically asked me if she should send the check directly to BCS. Aaarrrggghhh. Then I understood why Ken's face had gone from his usual
to ??) when we first took the coach in and I told him which insurance we had.