National General Insurance

Why choose National General Insurance?

  • You can call their toll-free claims line 24-hours a day, 365 days a year
  • Their flexible payment options allow you to pay in full or by instalments – whatever fits your budget
  • Make a quick payment online at a time and location that suits you

Did you know...?

  • AM Best has rated National General Auto Insurance as A- ‘excellent’
  • They have nearly 80 years’ experience in the auto insurance industry
  • If you drive a car in the GM family (Chevrolet, Buick or Cadillac etc.) you may qualify for additional discounts
  • Customer Service: 888-293-5108
  • Claims: 800-325-1088
  • National General Insurance, 5630 University Parkway, Winston-Salem, NC 27105

What is National General Auto Insurance?

As one of the largest auto insurers in the United States, National General has grown from strength to strength. First established in 1939 as the Motors Insurance Corporation, National General Insurance changed their name in 2013 and later moved to their current location in Winston Salem, North Carolina.

Their licensed agents specialize in assisting drivers just like you to find the right coverage you need at affordable rates. National General understands the stress and potential added costs that can come with a bad driving record . Their goal is to help get their policyholders back on the road as quickly as possible while remaining affordable in order to follow the laws of their state.

National General offers a range of services called ‘SmartServices’, which are extras that you can add to your policy to enhance your coverage. These include total loss car replacement, towing and car rental. If you use one of National General’s Gold Medal Repair shops, your collision repair is guaranteed for life and if you’re not happy after the repairs, they’ll even waive your deductible up to $250.

You can report a claim 24-hours a day with the majority of their smaller claims paid within 48 hours. Minor claims can even be handled right on the phone. Should the worst happen and you are stranded following an accident, National General will cover up to $500 in food and lodging.

How Does National General Auto Insurance Work?

National General Auto Insurance Payments

With National General, you can choose from multiple payment options. 

You can pay your bill online, and if you opt to receive paperless statements, you may be eligible for a discount on your premium. You may also get a discount for paying your policy in full, rather than choosing to be billed monthly.

Alternatively, you can always put your monthly bill on autopay so it’s one less thing to keep up with. 

National General Auto Insurance Rate Increases

Like any automobile insurance company, National General might increase your rates if you’re in an accident. However, they weigh multiple factors before determining if it’s necessary to increase your premiums:

  • Claims History: National General considers whether you’ve been a safe driver for years or if you’ve been involved in several accidents within a short period of time. 
  • The Cause of the Accident: They also investigate each claim to determine what caused your accident. If you were at fault, you might see your premium increase, but if the other driver was at fault they might choose not to change your rate.
  • Accident Severity: National General also considers the severity of the accident you were involved in with larger claims are more likely to result in an increased premium. 

National General Auto Insurance Claims

National General offers 24/7 claims reporting, so no matter what time of day an accident occurs, you can file your claim right away. They make it easy for you to report your claim over the phone or online. To file a claim online, you’ll need your policy number, username, and password. 

National General backs up its claims services with a satisfaction guarantee. If you’re not satisfied with the service you receive, National General will waive deductibles up to $250. Also, you’ll be happy to know that most claims are paid within 48 hours of being reported. 

If an accident leaves you in a tight spot out of town, National General’s emergency expense allowance can help. With this allowance, up to $250 of your food, lodging, and travel expenses will be covered each day. This coverage can make it easier to navigate the time right after an accident where you might be stuck far from home and without transportation. 

Once your vehicle is repaired, National General also stands behind the quality of those repairs. When you have your vehicle repaired at the company’s Gold Medal Repair Shops, the repairs are guaranteed for your vehicle’s lifetime. 

National General Auto Insurance Discounts

You can save money in multiple ways with National General: 

  • Low mileage discount: If you drive less than 15,000 miles a year, you could save up to 54% on your premium
  • Affinity discount: Being part of a recognized organization or association could help you to save
  • Multi-vehicle discount: Insure more than one vehicle with National General for a discount
  • OnStar discount: If you have OnStar fitted in your car, you could save up to 20% on your premium
  • Safe driver discount: Prove you’ve taken a defensive driver course and you could save a pretty penny on your annual rate
  • Paid in full discount: Choose to pay your premium in full instead of making monthly payments to take advantage of a discounted premium

National General Auto Insurance Coverage Options

National General offers multiple coverage options that you can use to customize your insurance to meet your needs and your budget. 

Bodily Injury Liability

Bodily injury liability coverage helps to pay for expenses related to the injuries or deaths that you might have caused in an accident. These expenses may include medical bills and funeral costs. 

Property Damage Liability

If you’re at fault for an accident, your property damage liability coverage may help pay for the damage that you’ve caused to other vehicles, as well as property like mailboxes, fences, and yards. 

Collision Coverage

Regardless of whether you or another driver is at fault, your collision coverage helps to pay for expenses related to an accident. This coverage might include paying expenses for towing and vehicle repair work. 

Comprehensive Coverage

Comprehensive coverage helps to cover repair costs from events other than car accidents. This type of coverage may include damage caused by weather, fallen trees, theft, and hitting an animal while driving. 

Medical Payments

Having a medical payment policy helps to pay for medical bills that result from an accident. 

Uninsured Motorist

If you’re ever in an accident that’s caused by an uninsured motorist, this extra coverage helps to ensure your expenses are paid for, so you don’t have an unnecessary loss. It often covers the cost of related expenses such as rental car bills and car repairs. 

Underinsured Motorist

Similar to uninsured motorist insurance, underinsured motorist coverage helps to make up any difference that remains once the other motorist’s insurance has paid out to its maximum limits. This coverage helps to insure you aren’t left with unpaid expenses. 

Personal Injury Protection

Personal injury protection coverage helps to ensure you and your passengers’ expenses like medical bills and lost wages will be paid.

Roadside Assistance

Roadside assistance coverage can cover all or a portion of the costs of emergency services like towing, roadside auto changes, and more. 

Accidental Death and Dismemberment

If you’re in an accident that results in a death or the loss of a limb, accidental death and dismemberment coverage provides lump sum payments. These payments vary in amount depending on the injury, and if there has been a death, the payments go to the beneficiary. 

While you’re only required to meet your state minimum insurance requirements, having some additional coverage can help reduce your financial risk in the event of an accident. You’ll need to think about the amount of risk that you’re comfortable with, as well as the premium that you can afford, to decide which coverages, deductibles, and limits you want to include on your policy. 

National General Auto Insurance Cost

How much is auto insurance for teen drivers?

Auto insurance for teen drivers averages $113/mo. 

How much is auto insurance for young drivers?

The average monthly insurance premium for young drivers is $112/mo. 

How much is auto insurance for retired drivers?

Once you hit retirement age (65+) you can expect to pay around $52/mo for auto insurance. 

How much is insurance for women vs. men?

Women pay slightly less than men for auto insurance with National General at $64/mo, compared to $69/mo. 

How much is insurance for married drivers?

Married drivers pay an average of $56/mo for car insurance. 

How much is insurance for non married drivers?

If you’re not married, expect to pay around $69/mo for auto insurance. 

How much is insurance for drivers with a ticket on their record?

If you have a ticket on your record, you’ll pay around $81/mo your insurance premium. 

How much is insurance for drivers with multiple tickets on their record?

Having more than one ticket on your record? Get ready to pay around $100/mo. 

How much is insurance for drivers with an accident on their record?

With one accident on your record, your auto insurance will be about $92/mo. 

How much is insurance for drivers with multiple accidents on their record?

When you have multiple accidents on your record, you’ll pay closer to $120/mo. 

Where is National General Auto Insurance Available?

National General auto insurance is widely available, though its claims service satisfaction guarantee is not available in Washington. To find out if insurance is available in your specific location, you can get a quote online or call 1-800-462-2123 to speak with a representative. 

National General Auto Insurance Customer Reviews

National General has a 1.47 out of 5-star rating on the Better Business Bureau, which is lower than average. The BBB profile reports 375 complaints closed in the last 12 month. 

Similarly, National General also has a 1- out of 5-star rating on Yelp, based on 109 reviews. John B. of North Carolina wrote, “Their claim center call tree is only a loop and redirects you to the start every time. On the only occasion that I got a real person on the line, they immediately put me back in the call tree.” 

John H. of San Francisco, California called National General a “horrible company with worst customer service.” He reports that it took National General nearly four months to make the decision to total his car after an accident. 

Pros and Cons of National General Auto Insurance

To decide if National General is right for you, it’s important to weigh the pros and cons of this company.

Pros of National General

  • Guaranteed satisfaction for claims service: National General will waive deductibles up to $250 if you’re not satisfied with the service you receive on your claim
  • Emergency expense allowance: If you file a covered claim, then National General will pay for up to $250 per day in expenses like food, lodging, and travel
  • Claims repairs are guaranteed: When you have your vehicle repaired at a Gold Medal Repair Shop, the repair is guaranteed for your vehicle’s lifespan
  • Coverage available after a DUI or DWI: While many insurance companies will exclude drivers who have received a DUI or DWI, National General offers DUI insurance that can get you back on the road

Cons of National General

  • No mobile app: While you can manage your plan and pay your bill online, National General lacks the convenience of an app that you can download
  • Low customer service rating: Many customers have experienced less than stellar service with National General, so you want to take that into account. 

FAQs About National General Auto Insurance

What information do I need to have to get an auto insurance rate quote? 

National General will need a driver’s license number for every person who you want to include on your policy, as well as a Vehicle Identification Number for each vehicle you insure. If you have a current auto insurance policy, having details about the policy can be helpful in the quote process. If any of your vehicles are leased or financed, you’ll also need to provide the lienholder’s name and address. 

Once you’re ready to buy insurance, National General accepts most major credit and debit cards. 

How quickly are claims processed? 

National General reports that you can file your claim 24/7, and most claims are paid within 48 hours of being filed. 

Will my insurance rate go up if I’m in an accident? 

Being in an accident doesn’t guarantee that your premium will increase. National General weighs multiple factors, including the accident’s cause and severity when determining if it’s necessary to increase your premium. 

 

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