Welcome to National General Insurance, your trusted provider of quality insurance coverage since 1920. As experts in the field, we offer a wide range of insurance solutions to meet the unique needs of our customers. Whether you’re a standard or non-standard driver, own an RV or motorcycle, or require property or business insurance, we have customizable policies that fit your lifestyle and budget.
At National General Insurance, we understand the importance of comprehensive coverage. That’s why we offer a variety of insurance options, including bodily injury liability, property damage liability, collision coverage, comprehensive coverage, medical payments, uninsured/underinsured motorist coverage, and personal injury protection (PIP). With our extensive coverage options, you can have peace of mind knowing that you’re protected in every aspect of your life.
In addition to our range of coverages, we also provide various discounts to help you save on your insurance premiums. From paid-in-full and multi-vehicle discounts to safe driver and multi-policy discounts, we reward responsible behavior and loyalty. You can also take advantage of discounts for security devices, low mileage, and good driving records, among others.
Key Takeaways:
- National General Insurance has been providing quality coverage since 1920.
- We offer customizable policies for standard and non-standard drivers, as well as RV, motorcycle, property, and business insurance.
- Our coverage options include bodily injury liability, property damage liability, collision coverage, comprehensive coverage, and more.
- We offer a wide range of discounts to help you save on your insurance premiums.
- At National General Insurance, we are your coverage experts, dedicated to protecting what matters most to you.
National General Insurance Company Profile
National General Insurance is a reputable insurance company that has been serving customers for over 100 years. As an established insurance provider, they offer a wide range of coverage options to meet the needs of individuals and businesses. Their commitment to providing quality policies and exceptional customer service has made them a trusted name in the industry.
With National General Insurance, policyholders can choose from a variety of insurance products, including auto, home, renters, condo, flood/earthquake, motorcycle, commercial vehicle, and Mexico insurance. They specialize in providing coverage options for high-risk drivers and offer assistance to those who need an SR-22. No matter the policy type, National General Insurance aims to provide comprehensive coverage and peace of mind to their customers.
What sets National General Insurance apart is their dedication to customer satisfaction. They offer a range of perks and benefits, such as lifetime guarantees on repairs at approved shops, National General Motor Club membership discounts, emergency expense allowances, and deductible waivers for dissatisfied customers. These additional benefits demonstrate their commitment to going above and beyond for their policyholders.
Table: National General Insurance Coverage Options
| Insurance Type | Coverage Options |
|---|---|
| Auto Insurance | Standard minimum coverage, full coverage, add-ons (roadside assistance, accidental death and dismemberment coverage, auto protection plan), Custom360 coverage (Signature and Elite tiers) |
| Homeowners Insurance | Dwelling coverage, personal property coverage, liability coverage, additional living expenses coverage |
Whether you’re in need of auto insurance, homeowners insurance, or other coverage options, National General Insurance is a trusted insurance company with an extensive range of policies to meet your needs. Their commitment to customer satisfaction and their comprehensive coverage options make them a reliable choice for individuals and businesses alike.
Auto Insurance Coverage with National General Insurance
National General Insurance offers comprehensive auto insurance coverage options to protect you and your vehicle on the road. Whether you’re looking for standard minimum coverage or full coverage, National General Insurance has you covered. Their policies can be customized with add-ons for extra protection and peace of mind.
When it comes to auto insurance coverage, National General Insurance offers a range of options to fit your individual needs. They provide coverage for bodily injury liability, property damage liability, collision coverage, comprehensive coverage, medical payments, uninsured/underinsured motorist coverage, and personal injury protection (PIP). This ensures that you are protected in case of accidents, theft, or damage to your vehicle.
In addition to their standard coverage options, National General Insurance also offers tiered packages called Custom360 coverage. These packages, including Signature and Elite tiers, come with varying coverage limits and additional benefits. With Custom360 coverage, you can choose the level of protection that best suits your needs and budget.
| Auto Insurance Coverage Options | Benefits |
|---|---|
| Bodily Injury Liability | Protects you from financial responsibility if you cause injury to others in an accident. |
| Property Damage Liability | Covers the cost of repairing or replacing someone else’s property if you are at fault in an accident. |
| Collision Coverage | Pays for the repair or replacement of your vehicle if it is damaged in an accident. |
| Comprehensive Coverage | Protects your vehicle against damage from non-collision incidents, such as theft, vandalism, or natural disasters. |
| Medical Payments | Covers medical expenses for you and your passengers in the event of an accident, regardless of fault. |
| Uninsured/Underinsured Motorist Coverage | Provides coverage if you are involved in an accident with a driver who has insufficient insurance or no insurance at all. |
| Personal Injury Protection (PIP) | Covers medical expenses, lost wages, and other related expenses resulting from an accident. |
When it comes to auto insurance, National General Insurance is known for its competitive rates. They provide personalized quotes and have a user-friendly online platform where you can manage your policy. You can also contact their agents directly for assistance with your policy or any questions you may have.
While National General Insurance offers comprehensive coverage options, it’s important to note that they may have a higher number of complaints compared to other companies. Therefore, it’s essential to carefully review your policy and ensure it meets your specific coverage needs and budget before making a decision.
National General Insurance for Homeowners
National General Insurance offers homeowners insurance coverage as part of their range of insurance products. Their homeowners insurance policies provide comprehensive coverage to protect your property and belongings in the event of damage or loss. With National General Insurance, you can have peace of mind knowing that your home is protected.
Home Insurance Coverage Options
When it comes to homeowners insurance, National General Insurance offers a variety of coverage options to meet your needs. Their policies include dwelling coverage, which protects the physical structure of your home from damage caused by covered perils, such as fire, windstorm, or theft. They also provide personal property coverage, which covers the belongings inside your home, including furniture, appliances, and valuables.
Additionally, National General Insurance offers liability coverage, which protects you in the event that someone is injured on your property and seeks compensation for medical expenses or damages. They also offer additional living expenses coverage, which provides financial assistance for temporary housing and living expenses if your home becomes uninhabitable due to a covered loss.
| Coverage | Description |
|---|---|
| Dwelling Coverage | Protects the physical structure of your home from damage caused by covered perils. |
| Personal Property Coverage | Covers the belongings inside your home, such as furniture, appliances, and valuables. |
| Liability Coverage | Provides protection in the event that someone is injured on your property and seeks compensation for medical expenses or damages. |
| Additional Living Expenses Coverage | Provides financial assistance for temporary housing and living expenses if your home becomes uninhabitable due to a covered loss. |
By choosing National General Insurance for your homeowners insurance needs, you can have the peace of mind knowing that your home and belongings are protected in the event of unexpected events. Contact National General Insurance today to learn more about their homeowners insurance coverage options and find the policy that’s right for you.
National General Insurance Reviews and Ratings
When it comes to assessing the quality of National General Insurance, customer reviews and ratings offer valuable insights. While the overall feedback is mixed, there are notable strengths and areas for improvement to consider.
“The customer service provided by National General Insurance has been exceptional. Their agents have been prompt, helpful, and knowledgeable in assisting with my insurance needs.” – satisfied customer
“I have found the premiums to be slightly higher compared to other insurance providers. Additionally, the application of company policies has been inconsistent in some instances, which has caused frustration.” – concerned customer
To gauge the overall sentiment, Bankrate rates National General Insurance with 3.5 stars out of 5. It is crucial for prospective customers to carefully consider their specific requirements and budget when assessing National General Insurance as a potential insurance provider. Taking into account these reviews, individuals can make informed decisions that align with their needs and expectations to ensure satisfaction with their coverage.
| Pros | Cons |
|---|---|
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National General Insurance Contact Information
For all inquiries, claims, or assistance with policies, National General Insurance provides multiple contact channels. Whether you need help with your auto or homeowners insurance, their dedicated customer service teams are available to assist you.
Auto Insurance Customer Service
If you have any questions or need support regarding your auto insurance policy, you can call the auto customer service line at 1-888-293-5108.
Homeowners Insurance Customer Service
For homeowners insurance inquiries, the homeowners customer service line can be reached at 1-888-325-1190. Their knowledgeable representatives will provide the information and support you need.
Sales Inquiries
If you are interested in purchasing a policy or have specific questions regarding coverage options, you can contact National General Insurance’s sales team by calling 1-800-462-2123.
Claims Assistance
In the unfortunate event of a claim, National General Insurance offers a dedicated claims hotline. Claims can be reported by calling 1-800-468-3466. Their claims representatives will guide you through the process and ensure a quick resolution.
Email and Mail
If you prefer to communicate via email, general inquiries can be sent to service@ngic.com. Written inquiries can be addressed to National General Insurance at P.O. Box 3199, Winston-Salem, NC 27102.
Contacting National General Insurance is convenient and straightforward, allowing you to get the assistance you need for your insurance policies.
| Contact Type | Contact Information |
|---|---|
| Auto Insurance Customer Service | 1-888-293-5108 |
| Homeowners Insurance Customer Service | 1-888-325-1190 |
| Sales Inquiries | 1-800-462-2123 |
| Claims Assistance | 1-800-468-3466 |
| service@ngic.com | |
| P.O. Box 3199, Winston-Salem, NC 27102 |
National General Insurance Pros and Cons
When considering National General Insurance as your insurance provider, it’s important to weigh the pros and cons. Here are some key features and drawbacks to help you make an informed decision:
Pros:
- Lifetime guarantee on repairs at approved shops: National General Insurance offers peace of mind with a lifetime guarantee on repairs done at their approved shops. This ensures that your car is in good hands and that any damages will be properly taken care of.
- National General Motor Club membership perks: As a customer of National General Insurance, you gain access to their Motor Club membership perks. This includes discounts on various services and benefits like roadside assistance, travel discounts, and more.
- Commitment to customer satisfaction: National General Insurance places a strong emphasis on customer satisfaction. They back this up by offering deductible waivers for dissatisfied customers and emergency expense allowances, demonstrating their dedication to providing excellent service.
Cons:
- Limited information on their website: Some customers have noted that National General Insurance’s website lacks detailed information about their policies and coverage options. This can make it challenging to gather all the necessary information before making a decision.
- Perks seemingly centered around club members: While National General Insurance offers perks through their Motor Club membership, some customers have found that these benefits may be more focused on club members rather than all policyholders. This could leave some customers feeling left out of certain advantages.
- No direct life insurance policies: One possible drawback of National General Insurance is the absence of direct life insurance policies. If you’re looking for life insurance coverage, you may need to explore other insurance providers.
Considering these pros and cons will help you determine if National General Insurance aligns with your insurance needs and preferences. Remember to also consider your specific coverage requirements, budget, and any additional factors that may be important to you.
| Pros | Cons |
|---|---|
| Lifetime guarantee on repairs at approved shops | Limited information on their website |
| National General Motor Club membership perks | Perks seemingly centered around club members |
| Commitment to customer satisfaction | No direct life insurance policies |
National General Insurance Pricing and Average Premiums
When considering auto insurance, one of the key factors that customers take into account is pricing. National General Insurance offers competitive rates, but it’s important to understand the average premiums for their policies.
For full coverage auto insurance, the average annual premium with National General Insurance is $2,475. This includes comprehensive coverage, collision coverage, and liability coverage. If you’re looking for minimum coverage, the average annual premium is $881. This includes the basic coverage required by law, such as liability insurance.
It’s important to note that these average premiums can vary based on several factors, including your driving history, location, and the type of vehicle you’re insuring. National General Insurance also offers various discounts for safe drivers and GM vehicle owners, which can help lower your premium.
Factors Affecting Auto Insurance Premiums
There are several factors that can affect the cost of your auto insurance premium with National General Insurance:
- Driving History: Your driving record plays a significant role in determining your premium. If you have a clean driving history with no accidents or violations, you may qualify for lower rates.
- Location: Where you live can impact your premium. Urban areas tend to have higher rates due to increased traffic and higher risk of accidents.
- Vehicle Type: The type of vehicle you drive can affect your premium. Generally, more expensive cars or vehicles with higher repair costs may have higher premiums.
By understanding these factors and working with National General Insurance to customize your policy, you can find an auto insurance plan that fits your needs and budget.
| Policy Type | Average Annual Premium |
|---|---|
| Full Coverage | $2,475 |
| Minimum Coverage | $881 |
Table: Average Annual Premiums for Auto Insurance with National General Insurance
Conclusion
National General Insurance is a well-established insurance company that offers a range of coverage options for auto and homeowners. They specialize in providing coverage for high-risk drivers and offer various perks to enhance customer satisfaction. While reviews and ratings are mixed, customers should consider their individual needs and budget when evaluating National General Insurance as an insurance provider. Contacting their dedicated customer service lines or visiting their website can provide more information on policies, pricing, and available discounts.
Also Refer : Understanding What Is Twisting In Insurance – A Guide
FAQs
Q: What does National General Insurance specialize in?
A: National General Insurance specializes in providing car insurance and renter’s insurance coverage. They also offer specialized policies for various types of vehicles and other insurance needs allstate.
Q: How can I find an independent agent for National General Insurance?
A: You can easily locate an independent agent for National General Insurance by using the company’s app or website. Simply enter your location and the type of coverage you need, and the app will connect you with a local agent who can assist you.
Q: What services are offered by National General Insurance in the field of auto coverage?
A: National General Insurance offers a wide range of auto coverage services, including car insurance policies, quotes, policy management, and telematics programs. They also have mobile app and online tools to help you view and manage your policy.
Q: How does National General Insurance compare to other auto insurance companies?
A: National General Insurance is known for providing competitive rates and exceptional customer service. The company’s strong financial stability and high rank by third-party rating agencies like J.D. Power make it a reliable choice for auto insurance coverage.
Q: What are the benefits of using an independent agent for National General Insurance?
A: Independent agents can offer personalized service and help you compare various coverage options to find the best fit for your needs. They are also well-versed in the company’s policies and can provide tailored advice based on your specific requirements.
Q: How can I make a claim with National General Insurance?
A: You can easily report a claim with National General Insurance through their app, website, or by contacting their 24/7 customer service. The company ensures a quick response and efficient claims processing to help you get back on track after an accident or other covered incidents.
Q: Does National General Insurance offer any discounts or special programs?
A: National General Insurance offers various discounts and special programs, including telematics programs, auto pay, and loyalty rewards. These can help you save on your premiums and receive additional benefits for being a loyal customer.
Q: What are the company’s beliefs about providing insurance coverage?
A: National General Insurance believes that individuals should never have to face a catastrophe alone. They aim to offer comprehensive and reliable coverage to help customers in times of need, and are committed to delivering peace of mind through their insurance policies.
Q: How can I access and manage my National General Insurance policy?
A: You can easily view and manage your National General Insurance policy through their online portal, mobile app, or by contacting your independent agent. These platforms provide convenient access to your policy details and allow you to make updates or payments as needed.
Q: What should I do if my vehicle is deemed a total loss by National General Insurance?
A: If your vehicle is deemed a total loss, National General Insurance will guide you through the claims process and handle the settlement efficiently. They will work with you to ensure that you receive fair compensation for the loss and assist you in finding a suitable replacement vehicle.
Source Links
- https://www.aisinsurance.com/partners/national-general
- https://www.helpadvisor.com/insurance/national-general-insurance-review-discover-your-life-insurance-options
- https://www.bankrate.com/insurance/reviews/national-general/