Operating since 1920, National General is an insurance provider with almost 100 years of experience. The company is the only insurance provider in the United States to have started within the automotive industry. General Motors originally created a financing and insurance company for dealerships and eventually expanded the service to consumers. Today, GMAC insurance company operates as National General insurance.
National General car insurance coverage options and discounts
To get an accurate National General insurance quote, it’s a good idea to know what type of car coverage you need. National General offers coverage options to help protect your car, yourself and your passengers from harm in the event of an accident.
Common coverage for National General customers includes:
- Bodily injury liability
- Property damage liability
- Collision and comprehensive
- Medical payments
- Uninsured and underinsured motorist
- Personal injury protection
- Roadside assistance
- Accidental death and dismemberment insurance
- Auto protection plan
To help keep their car insurance plans affordable, National General offers drivers many different discounts. Car insurance discounts include:
- Paid-in-full discount
- Multi-vehicle discount
- Safe-driver discounts
- RV and auto discounts
- Low mileage discount
- Affinity discounts for members of certain organizations
- Multi-policy discount
- Paperless discount when you switch to electronic billing
- Anti-theft discount for cars with anti-theft devices
- Autopay discount
National General home insurance coverage options and discounts
National General provides home insurance coverage from standard policies to comprehensive home coverage. A standard home policy helps keep your home and belongings safe from fire, hail damage and theft. However, many homeowners add additional coverage to their home policies.
These additional coverage options are available from National General:
- Guaranteed and extended replacement of your home to replace your home in a total loss
- Green upgrade coverage to receive additional funds if you choose to use green and sustainable materials to repair your home damage
- Additional coverage for belongings including increased coverage limits for expensive items
- Identity theft reimbursement to help cover the cost of restoring your identity after it’s been stolen
You might be able to lower your National General insurance quote by asking about these discounts:
- Age of home
- Auto companion
- Home/auto account
- Claim free
- College education
- Gated community
- Homebuyer discount
- Homeowners association
- Protective devices
- Superior construction
National General ratings, reviews, customer satisfaction and complaints
National General insurance customer service proves their commitment to customer satisfaction by maintaining an A+ rating with the BBB. Additionally, the company is accredited by the BBB for providing prompt responses and resolutions to customer complaints. As an accredited business, you can feel confident that National General will respond to any complaints you may need to make.
In the 2018 J.D. Power U.S. Home Insurance Study, National General ranked among the lowest for all five category factors, scoring a 2 out of 5 in each category. These factors include overall customer satisfaction, policy offerings, price, billing process and policy information, interaction and claims. National General auto insurance also fared poorly in the J.D. Power U.S. Auto Insurance Study – Southeast for 2019. They ranked below average for most categories but scored about average in price and interaction.
Although the J.D. Power rankings were below average, National General is able to offer great financial stability for customers. The company holds an AM Best rating of A-. This rating shows a stable financial outlook and the ability to pay for National General insurance claims.
Reasons why National General is a great option
National General offers 24/7 claims services available every day. This makes it easy to file a claim no matter when an accident occurs. Although the price of National General policies is generally higher than other providers, it’s a great choice for someone with a house, car and RV. Additionally, National General policies may be a good fit for low mileage drivers or anyone who qualifies for the excellent discounts available.
Additional policies offered by National General
In addition to home and car policies, National General provides policies including:
- Small business vehicle
- Health insurance
Frequently asked questions
What do I need to get a National General Insurance quote?
To get a National General insurance quote, you can fill out an online form or call the quote line. You’ll need to provide information about your vehicle, any other drivers on the policy and information on the value of your home to get a quote.
How do I file a National General Insurance claim?
Filing a claim is easy using the National General website or by giving the claims line a call.
How long does it take to process National General insurance claims?
Depending on the situation, your claim may be processed in as little as 24 hours.
Does my home insurance cover all of my belongings?
Your items are covered up to a certain dollar amount and you should be able to purchase additional coverage.