AutoinsuranceEZ.com Rating:National General Auto Insurance (formerly known as GMAC) is, according to their records, one of the largest auto insurance companies in the US. They underwrite property and casualty policies for cars, RVs, motorcycles, and even commercial automotive coverage for small business owners. Their claims hotline is operational 24 hours a day, 365 days out of the year. They strive to provide a superior claims service for their customers compared to their competition.
It seems as though National General has been striving to make improvements over the past few years. Their financial strength rating with AM Best is up from a B++ to an A-, and their BBB customer service satisfaction score has now risen to an A+. It is worth mentioning, though, that they’ve had 335 complaints filed against them over the past three years, and 160 of those have been filed, dealt with, and closed in the past 12 months.
|AM Best Financial Strength (2016)||A- (Stable)|
|Better Business Bureau (2016)||A+|
Below are some of the discounts you can expect to qualify for when you purchase an auto policy from National General. You might not qualify for all available discounts, and the ones you qualify for may yield less than the maximum possible savings listed here in this chart. Because laws vary from state to state, so do the discounts available for National General customers:
|Discount Type||Maximum % Savings|
|OnStar Subscriber||10% – 20% (on select coverages)|
|GM/GMAC Customer Discount||Varies by state and GM service|
|Paid-In-Full Discount||Varies by state|
|GM Loyalty Discount||All insured vehicles must be GM vehicles; varies by number of vehicles|
|Multi-Car Policy||5 – 15%|
|Multi-Policy (RV & Auto)||20%|
|Low Mileage Discount||54%|
Depending on what state you live in, you may also be able to qualify for one or more of the following discounts. But you’ll have to speak with a National General insurance agent to know for sure which ones you qualify for, as well as how much of a discount you’ll be able to get:
Your basic automotive insurance policy from National General will have to include the coverages and minimum amounts required by your state. But you can always choose to carry higher amounts of coverage, as well as additional options:
National General also goes above and beyond to offer their customers the following “Smart Services” which most other companies don’t (or don’t offer in exactly the same way):
Before you decide to purchase an auto policy from National General – or any insurance company – it’s important to know how they treat different types of drivers. Depending on your perceived risk, your insurance company may charge you a higher or lower rate:
As you can see in the chart above, it appears as though National General, like the majority of insurance companies out there, prefers to give the best rates to drivers with the lowest perceived risk. A young driver with less driving experience is more likely to file a claim than the other two in the chart above, and therefore gets charged a higher rate. But these quotes are only estimates, and the price you get from your local National General agent may vary based on your personal circumstances.
|Smart Services add features and coverages which most other companies don’t offer||Mixed reviews on claims handling, processing timeliness, and billing|
|Widespread discounts for using or being affiliated with the General Motors brand|
It seems as though National General has a lot to offer its potential customers. This is especially true if you happen to be affiliated with General Motors, GM affiliates, or own several different GM products. They also offer some pretty decent extra services that most automotive companies don’t offer. However, they do have some customer service issues which it seems as though they are trying to fix. And if you fall into a higher risk pool, you might have a difficult time getting an affordable premium. For all of these reasons, you should make sure you compare National General to a few other local providers to compare prices and features.Corporate Headquarters