A Trusted Name in Comprehensive Coverage

When it comes to choosing the right insurance company, customers seek a provider that offers reliability, affordability, and comprehensive coverage options. One such name that consistently meets these expectations is National General Insurance. With a strong legacy, diversified offerings, and a customer-centric approach, National General has positioned itself as a key player in the U.S. insurance market.

This blog post dives deep into the history, coverage options, benefits, customer reviews, and whether National General Insurance could be the right choice for your needs.

An Overview of National General Insurance

National General Insurance, formerly known as GMAC Insurance, was originally part of General Motors. It was rebranded and expanded over the years, focusing not only on auto insurance but also on homeowners, renters, RV, motorcycle, health, and commercial vehicle insurance.

Today, National General is a wholly owned subsidiary of Allstate Corporation, one of the largest publicly held insurance providers in the U.S. With this strong backing, the company has continued to grow, providing innovative solutions and dependable service to individuals and businesses across the nation.

Types of Insurance Offered by National General

National General’s appeal lies in its broad range of insurance products designed to fit varying customer needs. Here’s a closer look at the key offerings:

1. Auto Insurance

Auto insurance is National General’s flagship product. It includes:

Liability Coverage
Collision & Comprehensive Coverage
Uninsured/Underinsured Motorist Coverage
Medical Payments (MedPay)
Rental Reimbursement
Roadside Assistance

Unique Feature: Their SmartDrive® Program uses telematics (monitoring driving behavior) to offer discounts for safe driving.

2. RV and Motorcycle Insurance

For adventure-seekers, National General provides robust coverage for RVs and motorcycles, including:

Total loss replacement
Emergency expense coverage
Personal belongings protection
Optional full-timer coverage for RVs

3. Homeowners and Renters Insurance

Homeowners can protect their property against fire, theft, and natural disasters with policies that include:

Dwelling and structure protection
Personal property coverage
Liability protection
Additional living expenses

Renters are not left behind; they can insure their belongings even without owning the property.

4. Health and Supplemental Insurance

National General offers short-term medical plans and supplemental health insurance, which include:

Accident and critical illness coverage
Dental and vision insurance
Fixed-benefit plans for out-of-pocket expenses

These policies are ideal for those in transition, such as between jobs or recently graduated students.

5. Commercial Auto Insurance

National General also provides business-oriented solutions, covering commercial vans, trucks, and fleets. These policies include:

Liability and physical damage
Hired and non-owned auto
Medical payments
Cargo coverage

Benefits of Choosing National General Insurance

Here are some compelling reasons to consider National General for your insurance needs:

1. 24/7 Claims Support

National General offers round-the-clock customer service and claims processing, ensuring you’re never alone during emergencies.

2. Customizable Plans

You can tailor coverage options to meet specific personal or business needs, ensuring you don’t overpay for unnecessary features.

3. Discount Programs

They offer multiple discounts, including:

Multi-policy discount
Safe driver discount
Low mileage discount
Paid-in-full discount
Paperless billing savings

Their DynamicDrive® app tracks safe driving habits and rewards users with additional discounts.

4. Flexible Payment Options

You can choose from monthly, quarterly, or full-term payments, with the option to manage your policy online through a secure customer portal.

5. Nationwide Coverage

With licenses in all 50 states and Washington, D.C., National General provides broad accessibility to millions of Americans.

Customer Experience and Reviews

Customer feedback on National General is mixed but generally leans positive in key areas:

Pros:

Fast claims processing
Helpful customer service representatives
Transparent pricing and flexible plans
Solid mobile app experience

Cons:

Higher premiums in certain high-risk areas
Some customers report billing confusion or unclear renewals
Limited in-person agents compared to larger competitors

According to J.D. Power’s Auto Insurance Satisfaction Study, National General ranks slightly below industry average, but it’s gaining ground since its acquisition by Allstate.

Comparison with Other Insurance Providers

Feature	National General	GEICO	State Farm	Progressive
Auto Telematics Discount	✅ SmartDrive®	✅ DriveEasy	✅ Drive Safe	✅ Snapshot®
24/7 Claims Support	✅ Yes	✅ Yes	✅ Yes	✅ Yes
Commercial Vehicle Coverage	✅ Yes	❌ Limited	✅ Yes	✅ Yes
Short-term Health Plans	✅ Yes	❌ No	❌ No	❌ No
Owned by a Major Insurer	✅ (Allstate)	✅ (Berkshire)	✅ (Self-owned)	✅ (Self-owned)

Is National General Insurance Right for You?

National General is best suited for:

Individuals with unique insurance needs, such as RVs, motorcycles, or short-term health
Small business owners with fleets or commercial vehicles
Drivers looking for telemetric discounts
Customers wanting affordable, short-term coverage between major life events

However, if you prefer working exclusively with in-person agents or need highly specialized financial planning services, you might explore alternatives like State Farm or Allstate itself.

How to Get a Quote from National General

Getting a quote is simple and can be done in three steps:

Visit National General’s website
Choose the insurance type you want (auto, home, health, etc.)
Fill in your personal details, driving history, and coverage preferences

You can also call their toll-free number or connect with an independent agent.

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