Have you heard of National General Insurance?
What if I told you there’s an insurance company out there that offers over TEN different discounts?
That’s not all – how about a lifetime guarantee for collision repairs, an emergency expense allowance, and even a theft reward if your vehicle gets stolen?
Well you’d probably think I was full of it….
…but you’d be so very wrong!
National General Insurance - The Most Comprehensive Review on the 'Net
If you're not familiar, then it looks like you need to hear more and I'm happy to help!
National General Insurance, previously known as GMAC, was founded in 1920 as part of General Motors.
So, needless to say, this company knows their cars. This may be a very GOOD reason to consider National General Car Insurance!
…but don’t be fooled. Auto Insurance isn’t the only thing National General Insurance offers! I’ll fill you in on all the goodies later in this review.
Fun fact: National General Insurance is the only U.S. insurance company to be launched within the automotive industry.
Let's Talk National General Insurance Stability
Ok, so you’re weighing your insurance options as you read this article. What should you be on the lookout for?
In my opinion, the financial strength of a company is one of the most important factors to consider.
That’s because you need the insurer you select to be there when the chips are down!
…NOT filing for bankruptcy!
That's Why We Have Rating Agencies!
Luckily, there are rating agencies out there that grade the financial strength of insurance companies. If you want to be sure before you make your choice, check 'em out. Their experts do all the research and calculations for you. All you need to do is look up the rating!
A.M. Best is one of the most trustworthy agencies out there and they gave National General Insurance an A- rating.
That’s nerd talk for stable 🙂 While ratings go as high as A++, anything in the A range is pretty good!
Wow, National General Insurance looks interesting - what products do they have to offer?
This is an area that National General Insurance EXCELS in.
Now this is where I talk about products!
I really enjoy looking through insurance offerings.
National General Insurance has been in the auto biz’ for a long, long time…
…so it should come as no surprise that they offer car insurance.
That being said, they have a number of other products too. But before we get into that, I want to make note of their discounts and services first.
One of the most exciting selling points for National General Insurance are the discounts and services that may apply to their policies.
The average policyholder will save up to $442 per year, that is, if they qualify for these discounts. As you can see, there are a number of them!
GM/GMAC Customer Discounts
OnStar Subscriber Discount
Paid in Full Discount
GM Loyalty Discount
Low Mileage Discount
GM Supplier Discount
But that't NOT all! National General Insurance offers specialized SmartServices.
National General Insurance goes steps beyond traditional insurance. They want you to feel like you're a part of a club - and they follow through by offering these perks:
A Lifetime Guarantee
An Emergency Expense Allowance
Additional Equipment Coverage
24 Hour Claims Reporting
Convenient Payment Options
RVs and Autos on One Policy
Buyer Tip: Discounts can save you quite a bit when it comes to insurance premiums. Check it out – United Healthcare has partnered with the Apple Watch Motion program to offer $1K off their premiums annually! True story.
U.S. health insurer UnitedHealthcare is adding the Apple Watch Series 3 to its Motion program, which lets people earn up to $1,000 per year off their insurance premiums —assuming they meet daily fitness goals. UnitedHealthcare adds Apple Watch Series 3 to insurance discount program, Apple Insider
Now this is MUSIC to my ears. Quite honestly these benefits and discounts set National General Insurance apart from the competition.
IF you qualify for these discounts, National General Insurance may just be the right insurer for you!
So let's get on with the show...
Here's are peek into their products!
I'm even MORE impressed!
Thought you would be! Let's dig into their offerings!
National General Auto Insurance
National General Auto Insurance is a household name because they have been insuring cars for nearly 70 years.
If any company understands the car business, it's this one.
National General Insurance ALSO provides variations on traditional car insurance:
National General RV Insurance
This specialized RV insurance covers things that ordinary auto insurance doesn’t. National General Auto Insurance prides itself on flexibility and affordability. They also offer exceptional RV protections such as Optional Full Replacement Cost Coverage.
National General Insurance: Small Business Auto
Whether your salesforce has flatbed trucks, stake body trucks, refrigerated vans or company cars, National General Insurance provides coverage for your commercial vehicles.
National General Insurance: Collector/Classic Car Insurance
This specialized coverage protects classic cars, exotics, muscle cars, modern classics, replicas, street rods, lowriders, military vehicles, fire trucks and more.
Buyer Beware: Hagerty insurance is the company that actually issues these policies.
National General Auto Insurance Also Offers Some Other Car-Related Benefits & Specialized Coverage
National General Insurance Motor Club
National General Motor Club provides some wonderful perks through their motor club:
- 24/7 Roadside assistance at good rates
- Towing without mileage or dollar limits
- Emergency Expense Reimbursement: up to $750
- Benefits for eligible members in any car
- Trip planning benefits including free maps and online trip planning
- Travel, entertainment, dining & retail discounts
National General Insurance: Mexico
If you’re planning on taking a trip to Mexico, this policy will ensure that your auto insurance will still cover you under Mexican law.
It’s so very important to find the right insurer for your car insurance to try and mitigate the damage rising rates will do to your bottom line!
Car insurance prices have been on a rocky road.
According to The Zebra, an insurance comparison website, the national average cost of car insurance this year is $1,427, a 20% increase from 2011. State by state, the smallest increase took place in North Carolina, the biggest in Michigan. Auto insurance rates climb as number of cars, distractions rise, York Daily Record
I already have car insurance. Do they provide homeowners policies?
They do indeed - and more!
But that’s NOT all.
Oh no, that’s not all!
Although most people recognize National General Insurance as an auto insurance provider, they have more to offer.
This company has an amazing selection of products.
Let’s take a peek:
National General Insurance - Homeowners
Homeowners coverage from National General provides options for every kind of living situation from house, to condo – they even cover renters. Discounts may apply and different coverage options are available.
National General Insurance - Extended Coverage & Scheduled Properties
National General Insurance Homeowners Program gives you the flexibility to purchase extended coverage for high-value property, or to cover homes that are valued at $1 million to $5 million.
National General Insurance - Home Warranty Programs
This insurance provides assistance for routine maintenance issues, and their unexpected expenses.
With a home warranty policy, you pay an insurance premium which allows for maintenance and repair visits to your home for a very nominal fee. If you have an older home this coverage is key.
Additional Coverages include:
- Coverage for Mobile and Manufactured Homes
- Landlord & Dwelling Fire
- Antique and Collector Cars
- Personal Umbrella and Excess Liability (from $1 million to $5 million)
- Scheduled and/or Blanket Valuables (Jewelry, Furs, Fine Arts, Musical Instruments, Computers, Silver)
- Personal Watercraft and ATV
National General Insurance: Earthquake Insurance
Do you live in an area that is susceptible to earthquakes? If so, earthquake coverage is essential for your financial protection.
National General Insurance: Flood Insurance
Flood insurance provided through the National General Insurance Homeowners Program. The good news is even if a federal disaster is not declared you will get paid.
The following types of flood insurance coverage are available:
- Flood Insurance – Covers the value of the structure, minus the land value, up to $250,000.
- Contents Coverage – Optional coverage that must be requested in addition to regular flood coverage. Available for up to $100,000 to cover the contents of your home.
National General Insurance - Small Business and Commercial Property Insurance
Small business have a lot to protect. National General Insurance offers the following coverage to do just that:
- General Liability
- Business Owners
- Professional Liability (E&O)(D&O)
- Workers’ Compensation
- Employment Practices Liability Insurance (EPLI)
- Commercial Umbrella, Commercial Property
- Commercial RV
- Cargo Coverage
- Liquor Liability Insurance.
National General Insurance - Asset Protection
National General Insurance provides:
- mortgage and auto lender-placed protection solutions
- insurance products and risk management services for mortgage and auto lenders, mortgage servicers and financial institutions of all sizes.
I'm looking for health insurance, so this may not be the company for me....
Hold on there - they offer that too! I told you they are a behemoth insurer!
Yep! They are indeed.
…did you know there’s even National General Health Insurance?
You never know what the future holds. None of us plan to get sick .
National General Insurance, helps you prepare for those times.
Plan for the financial integrity of your family so you can concentrate on recovery.
National General Health Insurance
Buyer Beware: This offering is provided through VelaPoint and they offer the following:
National General Dental Insurance
National General Insurance offers:
- Dental PPO: Visit network dentists to save an average of 40% on dental care.
- Dental Indemnity Plan: The Dental Indemnity plan pays cash benefits when you have dental checkups and treatments, helping you catch small problems before they become big expenses.
National General Benefit Solutions
For Employers who want to product quality benefits for the employees at an affordable rate:
....and last but not least...
If you want to make sure that nothing falls through the gaps you may want to purchase supplemental National General Health Insurance or umbrella coverage for a rainy day!
National General TrioMed Insurance
This plan provides three supplemental insurances in one plan.
There are three benefit levels:
You get coverage for:
- accident-related health care costs with Accident Medical Expense
- Receive lump-sum, cash benefits to help you pay for treatment after a covered, first critical-illness diagnosis
- accidental death and dismemberment benefits
National General Hospital Coverage
Deductibles and other out-of-pocket expenses build up. This is especially true if you don’t have money set aside for it. Protect yourself from the cost of lengthy hospital stays with this coverage.
National General AcciMed Insurance
AcciMED is a simple solution that helps you pay out-of-pocket costs so that you can receive and afford the treatment you need.
Personal Umbrella Insurance
Umbrella coverage is provided by an affiliated company called NatGen Premier. Protect your family’s assets with a Personal Umbrella Policy. This stand-along protection that provides an extra layer of confidence. No change of insurance carrier is necessary. This program is available in most states.
- Liability limits up to $5 million
- Preferred, Standard, and the new Standard II underwriting tiers for easy risk qualification and rate determination
- Quick and simple application process
- Competitive premiums available for all coverage limits and types of risks
Whew! Now THAT'S a HUGE selection of products.
If you're looking for choice and coverage to fill in every gap, National General Insurance is the company for you!
Awesome so this company is stable, has a vast array of discounts and services AND has a plethora of products. How much is this gonna set me back?
Now there's the rub. We all want to know how to save money...
Sure, National General Insurance has some unique features… but what’s this gonna’ cost me?
Well, I’ve got some GOOD news and some BAD news!
When compared to their competitors, National General Insurance’s premiums are nearly 10% higher than average. Yep. All that choice and service comes with a price.
But before you take this company out of consideration, don’t forget about the discounts!
It's All About the Discounts
Check to see if you qualify, and if you do, there’s a good chance you can get a policy at a VERY competitive price.
These discounts really do make a difference. If you’re a:
- low mileage driver
- GM owner
- a “safe driver”
- if you’re looking to insure multiple vehicles
- or, if you can afford to pay your premiums up front
If you meet this criteria, National General might just save you a pretty penny. So, the cost of their policies really hinges on your PERSONAL circumstances.
Quite simply, one of the best ways to pay less for your insurance policy is to compare multiple quotes.
That's why I always recommend that people speak with an independent agent. They know the ins and outs of the companies you are likely to consider and will find the best fit for you.
I still want you to show me the money! Do you have some quotes?
It's not that easy. You have to go through National General Insurance's quote process...
Not all quote processes are the same. Some companies make it easy and convenient. One, two three – here’s your quote. While others make you want to pull your hair out!
Just get me the dang quote already!
So, where does National General Insurance fall on this spectrum?
Well, to start off, you’ll need to give them some basic information.
You Gotta Share Your Personal Info
You can't get a quote without this input.
...and don’t get me started on how much I dislike those little asterisks!
To be fair, the more information you provide, the more accurate your quote will be. That being said, I can identify with people who aren’t fans of sharing their personal info on the internet.
In essence, you have to go through a six-step process before you get a quote. See the steps below:
The good news is you can find out right away which discounts you qualify for!
National General Insurance: What's to Like
- 24/7 claims department
- Flexible payment options
- Awesome selection of products
National General Insurance SmartDiscounts
Who doesn’t like saving money?
When you get a quote from National General Insurance, they’ll let you know what discounts you qualify for. These SmartDiscounts can substantially cut the cost of your auto insurance premiums.
Let’s take a look at a few of these below:
- Paid-in-Full Discount: Lower the price of your premiums when you pay them up front.
- Low Mileage Discount: If you’re an OnStar subscriber who drives less than 15,000 miles per year, you can save up to 54%!
- GM Loyalty Discount: Discount given if all your vehicles are GM vehicles.
- Multi-Vehicle Discount: Save money when insuring multiple vehicles with National General Insurance.
- Safe-Driver Discounts: Given to those who have completed a defensive driving course or to those who use OnStar.
If you qualify for any of these discounts, or if you’ve got the cash to pay in full, you can really get some wonderful rates.
National General Insurance: SmartServices
Are you looking for safety, security, and peace of mind? Well with National General Insurance’s SmartServices, you get all three!
Check out some of the benefits you’ll get!
- Lifetime Guarantee: Use their Gold Medal Repair Shops on all collision repairs.
- Theft Reward: National General Car Insurance offers a $500 reward for any info that helps you get your wheels back!
- Emergency Expense Allowance: In a tough spot? National General Insurance will set you up with a $500 allowance if you get stranded.
- SmartInspect: Free inspections after repairs to ensure your car is in top form.
- SmartValet: Need your broken down vehicle towed or have to rent a car? With National General Car Insurance this isn’t a problem.
National General Insurance: Claims
When accidents happen, it’s best to file a claim as quickly as possible to get the ball rolling. This way, you’re more likely to get the financial protection you need.
But who knows when an accident will strike? Thankfully, National General Insurance’s claims department is available 24/7.
Not only are they prepared to handle your claim around the clock, but they also give you a few options for filing.
You can do it the ol’ fashioned way and call, or you can file online.
The company even has an iPhone app!
National General Insurance: Flexible Payment Options
Feeling a little cash strapped? Fear not – National General Insurance offers flexible payments to fit your budget. You can pay in full or use an installment plan.
National General Insurance: Great Selection of Products
Did you see everything I included above?
National General Insurance has a great selection of insurance products to meet your needs.
National General Insurance: What's NOT to like
As with ANY insurance company, National General Insurance has some cons. Let’s take a look right now!
- Negative Reviews – Customer Service & Claims
- Not that easy to get a quote
National General Insurance: Not the Cheapest Option
Yep as I mentioned above National General Insurance ain’t the cheapest option on the block. That is if you DON’T qualify for any of their discounts.
If you DO, well that's another story altogether which may make this company a perfect fit.
National General Insurance: Discounts Make a BIG Difference
So a con can easily turn into a pro. That’s why I can’t stress enough the importance of using an independent insurance agent to shop for your insurance. It really will save you a lot of time, hassle and MONEY!
National General Insurance: Questionable Customer Service Reviews
Like every insurance company, National General has received their fair-share of negative reviews.
So, what are people fussin’ about?
From what I can see, most of the negative reviews are connected to customer service and claims.
As you can imagine, there’s definitely some overlap between these two areas. If you’ve filed a claim you’ll need support from customer service.
The truth is, customer service is the most common complaint when it comes to insurance companies, and National General Insurance is no exception.
To get a better idea of what I’m talking about let’s take a look at the following reviews:
I do want to stress that just about every insurance company has a tough time catering to each and every customer.
That said, there are too many one star reviews connected to National General Insurance to ignore.
National General Insurance: Getting Isn't Simple
In my humble opinion getting a quote should be as easy as 1, 2, 3.
Sadly National General Insurance process is more like 1, 2, 3, 4, 5, 6!
Face it people have short attention spans- so this quoting process may lose them some business.
You've given me a lot of food for thought. Can you sum it up?
If you’re searching for National General Insurance Reviews – bet you’re looking for the Bottom Line!
As with ALL insurers there are pros and cons.
I don’t think I’ve EVER reviewed a company that was perfect!
In fact you need to be VERY cautious about online reviews period. Agitated customers are FAR more likely to share their experiences than satisfied ones.
This is a sad but true fact of life.
To Sum Up the King of National General Insurance Reviews
National General Insurance comes close to being a top insurance provider:
They have a BROAD selection of insurances that include: Auto, Homeowners, Business, Assets, and Health Insurance
If you are looking for discounts, some of theirs are UNBEATABLE! Also they provide services such as SmartServices that will make your life easier. Who doesn’t want help when it’s most needed?
National General Insurance is a VERY stable company. You can count on them to be there when you need ’em.
- This insurer has a VERY broad range of products that are sure to fit your needs.
As for my criticisms:
National General Insurance is a bit expensive…that is, if SmartDiscounts don’t apply to you.
The quote process could be improved.
Their Customer Service may not be the best on the planet.
In a nutshell, my heartfelt advice is to get yourself to an independent insurance agent today! They will check out all the options on the market to make sure that National General Insurance is the RIGHT company for you.