UPDATED: Sep 5, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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. The National General Insurance 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.
In July of 2020, Allstate announced it will acquire National General Insurance in a $4 billion deal that will make it part of the fourth-largest insurance company in the U.S.
Looking for discount auto insurance and need to compare rates? Before you dig into our National General auto insurance review, enter your ZIP code to see instant quotes.
National General Insurance Review
It seems as though National General has been striving to make improvements over the past few years. National General Insurance reviews from multiple sources show good results. 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+|
The National General auto insurance phone number for customer services is 1-888-293-5108. You can use this line for questions about National General insurance cancellation fees and other issues.
National General Insurance Discounts
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:
- Safe Driver Discount
- Motorcycle Discount
- GM Family First Discount
- Affinity Discounts
- GM Supplier Discount
National General Auto Insurance Options
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:
- Bodily Injury Liability
- Property Damage Liability
- Medical Payments
- Uninsured and Underinsured Motorist Coverage
- Personal Injury Protection
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):
- SmartValet – Valet service for picking up your damaged vehicle, taking it to a repair shop, dropping off a rental car at your home, returning the rental car when you’re done with it, and delivering your repaired vehicle once repairs are complete
- Guaranteed repairs – Lifetime Guarantee on all collision repairs made at any of National General’s Gold Medal Repair Shops
- Guaranteed claims service satisfaction – up tp $250 of your deductible is waived if you are dissatisfied with your claim service
- Emergency Expense Allowance – Up to $500 in food, lodging and travel expenses after a covered claim
- SmartReplacement – If you need to replace your vehicle after a total loss, National General will employ car-buying experts to find you an exact (or almost exact) replacement vehicle
- SmartInspect – Once your car has been repaired after a claim, National General will reinspect it upon request to ensure it is in top condition.
It’s worth noting that National General health insurance is no longer available.
Comparing National General Insurance Quotes
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: