All About National General Car and Home Insurance

Offering a variety of special programs and discounts, National General Insurance can save drivers across the U.S. on average $442 per year.
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National General Insurance, formerly known as GMAC Insurance, is a subsidiary of General Motors Acceptance Corporation (GMAC). The company provides standard car and home insurance, as well as coverage options for classic cars. It also offers a separate insurance program for homes valued at up to $5 million through its NatGen Premier program.
In this article, Part 1 describes what sets National General Insurance apart from its competition, Part 2 lists the types of insurance National General provides, Part 3 goes into more detail on coverage options the company offers, Part 4 talks about discounts from National General Insurance, Part 5 focuses on the states where National General Insurance operates, Part 6 gives information on any apps the company offers, and Part 7 lists the company’s overall customer satisfaction and financial stability ratings.

Part 1 of 7: National General Insurance key differentiators compared to other insurance companies

Founded in 1920 as GMAC Insurance, National General Insurance represents the only insurance company in the U.S. to come from within the auto industry. Formed by GMAC in 1925, the GMAC Insurance company started out by offering insurance to owners of GM vehicles. GMAC acquired life insurance company Integon in 1997. In 2013, the company changed its name to National General Insurance.

Part 2 of 7: Types of car and home insurance provided by­­­ National General Insurance

National General Insurance offers its customers a variety of car and home insurance options. The section below goes into more detail about the different types of insurance the company provides.
  • Car insurance types: National General Insurance gives customers the choice of a variety of standard car insurance coverage, including:
  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Medical payments
  • Uninsured/underinsured motorist coverage
  • Personal injury protection
  • Home insurance types: In addition, National General Insurance also has a selection of home insurance coverage options for homeowners, such as:
  • General dwelling coverage
  • Other structure coverage
  • Personal belongings coverage
  • Additional living expenses
  • Liability insurance
  • Guaranteed Replacement Cost coverage

Part 3 of 7: Coverage options provided by National General Insurance

National General Insurance offers a selection of coverage options above and beyond standard car and home insurance. You can find options for both insurance types below.
  • Car insurance coverage options: Using a variety of special programs, National General Insurance can make your life easier when it comes to taking care of your car. These programs include:
  • SmartValet
  • Guaranteed repairs
  • Guaranteed claims service satisfaction
  • Emergency Expense Allowance
  • SmartReplacement
  • SmartInspect
  • Mexico insurance
  • Home insurance coverage options: National General Insurance also offers a variety of insurance coverage options for your home insurance, including:
  • NatGen Premier
  • Extended Replacement Cost coverage
  • Green upgrade options
  • Additional personal belonging coverage
  • Identity Theft 911 service
  • Theft Expense Reimbursement coverage
  • Flood insurance

Part 4 of 7: Discounts you can get through National General Insurance

Through multiple discounts, National General Insurance can help save customers money. You can find the discounts that National General Insurance offers for both car and home insurance in the section below.
  • Car insurance discounts: Car insurance discounts can lower your premiums. The many discounts include:
  • GM/GMAC customer discount
  • Paid-in-full discount
  • Multi-vehicle discount
  • GM loyalty discount
  • Safe-driver discount
  • RVs and autos on one convenient policy
  • Motorcycle discount
  • On-Star subscriber discount
  • Low mileage discount
  • GM Family First discount
  • Affinity discount
  • GM supplier discount
  • Home insurance discounts: National General Insurance also has a wide selection of discounts for your home insurance, including:
  • Age of home discount
  • Auto companion discount
  • Auto/home account discount
  • Claim free discount
  • College education discount
  • Gated community discount
  • Home buyer discount
  • Homeowners association discount
  • Insurance to value discount
  • Prime Time discount
  • Protective devices discount
  • Superior construction discount

Part 5 of 7: States in which you can find National General Insurance

National General Insurance operates in all 50 states in the U.S., plus the District of Columbia. To find a National General Insurance agent in your area, visit the following page.

Part 6 of 7: Available National General Insurance apps

To help facilitate the claims process, National General Insurance offers the National General Insurance Free Claims App. Available for the iPhone, the app allows you to speak to an agent, submit a claim, or even request a tow truck.

Part 7 of 7: BBB and A.M. Best ratings for National General Insurance

To check the standing of National General Insurance in regard to both customer service and financial stability, visit the BBB and A.M. Best Websites. National General Insurance has a BBB rating of A+ based on the company’s dedication to resolving customer complaints against the company and its overall business tactics.
With A.M. Best, National General Insurance has a rating of A-, indicating that the company is financially stable.
Around since the 1920s, National General Insurance has grown from an insurer of GM vehicles to a nationwide insurer of autos and homes. To keep premiums low, make sure to take advantage of all of the discounts that the company offers, including a multi-policy discount, safe-driver discounts for your car, and protective devices discounts for your home.

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