Choosing the right insurance provider is a crucial decision—one that impacts your financial stability, personal security, and peace of mind. Whether you’re insuring your car, home, health, or business, the insurer you select should be reliable, flexible, and responsive. One name that consistently stands out in the American insurance landscape is National General Insurance.
With a history rooted in strength and a wide array of insurance products, National General Insurance has built a reputation as a dependable, customer-focused company. But what makes this insurer different? Why are so many individuals and businesses across the U.S. turning to National General for their insurance needs?
In this comprehensive guide, we’ll explore everything you need to know about National General Insurance—from its history and range of services to its strengths, customer satisfaction, and reasons it could be the right fit for you.
About National General Insurance
National General Insurance, formerly known as GMAC Insurance, has been in operation for over 75 years. Headquartered in Winston-Salem, North Carolina, the company is part of Allstate, one of the largest and most trusted names in American insurance.
While National General initially focused on automobile insurance, its product line has grown significantly to include homeowners, RV, motorcycle, health, and commercial insurance. With millions of policyholders across the United States, National General stands as a significant player in the insurance industry.
A Brief History
National General has a rich legacy tied to the automotive industry. Originally the insurance branch of General Motors (hence the name GMAC), it served primarily GM vehicle owners. Over time, it expanded its reach and product offerings, becoming an independent entity known as National General Holdings Corp.
In 2021, National General was acquired by Allstate Corporation, a strategic move that gave it the backing and financial strength of one of the top names in American insurance.
Insurance Products Offered by National General
One of the key advantages of choosing National General Insurance is the diversity of its insurance offerings. Here’s a breakdown of what they provide:
1. Auto Insurance
Auto insurance is National General’s flagship product. It includes:
- Liability Coverage
- Collision and Comprehensive
- Medical Payments
- Personal Injury Protection
- Uninsured/Underinsured Motorist
- Rental Reimbursement
- 24/7 Roadside Assistance
Special features include accident forgiveness, deductible savings benefits, and a unique SmartDrive® program that rewards safe driving behavior with premium discounts.
2. Homeowners Insurance
National General offers flexible policies to protect your home and personal belongings. Coverage includes:
- Property damage (due to fire, theft, storms, etc.)
- Personal liability
- Loss of use (temporary housing)
- Personal belongings
- Medical payments to others
Bundling home and auto insurance through National General often results in significant discounts.
3. Recreational Vehicle (RV) Insurance
For RV owners, National General is a top choice. It offers full-time and seasonal policies covering:
- Motorhomes and travel trailers
- Personal belongings inside the RV
- Emergency expenses
- Specialized towing and roadside assistance
- Vacation liability
4. Motorcycle Insurance
Motorcycle coverage includes protection against theft, collisions, liability claims, and optional coverage for accessories and custom parts.
5. Health and Supplemental Insurance
National General also provides individual and family health insurance plans. Products include:
- Short-term medical insurance
- Accident and critical illness plans
- Dental and vision insurance
- Hospital indemnity plans
This is particularly helpful for people in-between jobs or those needing flexible health coverage.
6. Commercial Auto Insurance
Tailored for businesses, this includes:
- Liability for company vehicles
- Coverage for employee drivers
- Physical damage protection
- Non-owned vehicle liability
Ideal for companies that rely on transportation or delivery.
Unique Benefits of National General Insurance
What makes National General different from its competitors? Several features and customer-friendly benefits stand out:
✅ SmartDrive® Telematics Program
This innovative technology tracks driving behavior via a mobile app or device and rewards safe drivers with discounts.
✅ High-Risk Driver Solutions
National General specializes in policies for high-risk drivers, including those with poor driving records, DUIs, or gaps in coverage.
✅ 24/7 Claims Service
Round-the-clock claims support ensures timely assistance when you need it most.
✅ Bundling Discounts
Customers can bundle multiple policies (auto, home, RV, etc.) for significant savings.
✅ Nationwide Network
National General operates in all 50 U.S. states, giving customers flexibility no matter where they reside.
✅ Backed by Allstate
With Allstate’s acquisition, customers enjoy greater financial security and expanded service capabilities.
Customer Experience and Reviews
Customer satisfaction is a critical factor when choosing an insurer. National General scores well in several areas:
- Quick claims processing
- Affordable high-risk auto policies
- Helpful customer service reps
- Online quote and account management tools
However, like most insurers, there are mixed reviews—some customers report delays in billing or coverage clarification. It’s always advisable to read your policy documents thoroughly and speak with a licensed agent for clarity.
Is National General Insurance Right for You?
National General may be a great fit if you:
- Have a less-than-perfect driving record
- Want to bundle home, auto, and RV insurance
- Need flexible health coverage
- Own a small business with commercial vehicles
- Travel frequently in an RV or mobile home
- Want to save with usage-based driving discounts
On the other hand, if you’re looking for top-rated customer service or lowest premium rates for excellent drivers, it may be worth comparing with other Allstate offerings or competitors like GEICO or Progressive.
How to Get a Quote
Getting started with National General is simple:
- Visit their website www.nationalgeneral.com
- Use the Get a Quote tool to compare rates
- Speak with a licensed agent for tailored advice
- Explore bundling options to maximize discounts
Final Thoughts
In a market crowded with insurance providers, National General Insurance distinguishes itself through its unique product range, flexible policies, innovative technology, and inclusive coverage for high-risk drivers. Backed by Allstate’s solid financial standing, it delivers reliable protection to millions of Americans.
Whether you’re protecting your car, home, health, or business, National General offers policies built around your lifestyle—and peace of mind that you’ll be covered when it matters most.
So if you’re searching for affordable, comprehensive insurance from a company with decades of experience, National General might just be the smart choice for you.
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