National General Insurance Review & Ratings (2024)

Unlock insurance expertise and resources with National General Insurance. A wealth of coverage options and reliable information to ensure your peace of mind. Trust our experienced team to guide you through the complexities of insurance, empowering you to make informed decisions. Whether you're seeking auto, or specialty insurance, our comprehensive resources are here to support and protect you.

UPDATED: Nov 27, 2023Fact Checked

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Insurance Agent

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Nov 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 27, 2023Fact Checked
3.2
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National General Insurance

Average monthly rate for good drivers:

$100

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Comprehensive coverage options
  • Streamlined claims process
  • Feature-rich mobile app for convenient policy management
  • Commitment to customer satisfaction

Cons

  • Competing against industry giants with extensive service networks
  • Negative experiences with occasional unexpected rate increases

Final Verdict: Review of National General Insurance

In the competitive insurance market, National General Insurance stands out for its diverse coverage options and commitment to guiding clients through insurance complexities. Despite its strengths, the company faces robust competition from industry giants like Progressive, Geico, Allstate, State Farm, and Liberty Mutual, each bringing innovation and extensive service networks to the table.

While National General Insurance excels in reliability and a streamlined claims process, the choice ultimately depends on individual priorities. Consumers are advised to compare quotes from National General Insurance and its competitors to ensure optimal coverage at competitive rates, making informed decisions tailored to their needs in this evolving market.

What You Should Know About national general insurance company (integon)

Address: 13736 Riverport Drive Suite 700
City: Maryland Heights
State: MO
ZIP Code: 63043
Phone Number: (336) 435-2000
Fax: (336) 435-2022

AM Best Rating: A-

Welcome to our comprehensive guide on National General Insurance, a leading provider of insurance solutions that prioritize your protection. We will explore the key topics related to National General Insurance, including its extensive range of insurance  and competitive rates. Whether you’re looking for auto or specialty insurance, we will discuss how National General Insurance to meet your unique needs.

To discover how Natonal General Insurance can offer you reliable coverage while saving you money, simply enter your zip code below. By doing so, you can compare rates from the best insurance providers in your area and make an informed decision that safeguards your assets and provides you with the utmost security. Don’t miss this opportunity to secure top-notch insurance protection with National General Insurance!

national general insurance company (integon) Insurance Coverage Options

High-risk drivers and others may need different coverage options. GMAC has a wide variety of policy options with different amounts of coverage, premiums, and more.

Insurance quotes are based on driving history, credit score, desired coverage, and other factors. Discounts above are available for things like multi-policy agreements. Many people get their auto insurance quotes online. Then they sign up for homeowners insurance or other policies to bundle and save. GMAC offers an online suite of services.

Besides the online learning center, the GMAC website also has an online claims center, and customer care section. You can receive an online quote, manage your policy, or find a local GMAC insurance agent to contact if you have additional questions.

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national general insurance company (integon) Insurance Rates Breakdown

Understanding the various factors that influence insurance costs is paramount for individuals seeking optimal coverage at competitive rates. Insurance premiums are not arbitrary; they are calculated based on a range of considerations, reflecting the unique risk profile of each policyholder.

Here are the key factors that play a pivotal role in determining the cost of insurance, providing valuable insights for those navigating the complexities of coverage selection.

  • Driving History: A significant determinant of insurance premiums is the driver’s history. Those with a clean record often enjoy lower rates, while accidents, tickets, or DUI convictions can lead to increased costs.
  • Credit Score: Insurance companies commonly consider credit scores when calculating premiums. A higher credit score is associated with lower risk, potentially resulting in more favorable insurance rates.
  • Coverage Amounts: The extent of coverage chosen directly impacts costs. Opting for higher coverage limits or additional features increases premiums but provides more comprehensive protection.
  • Vehicle Type and Age: The make, model, and age of the insured vehicle influence insurance costs. Newer, high-value, or luxury cars typically incur higher premiums due to increased repair and replacement expenses.
  • Location: Geographic location plays a role in insurance costs. Areas with higher traffic density, crime rates, or severe weather patterns may experience elevated premiums to offset associated risks.
  • Deductibles: The chosen deductible amount—the out-of-pocket expense paid by the policyholder in the event of a claim—affects premiums. Higher deductibles generally result in lower premium costs.
  • Discounts and Bundling: Insurance companies often offer discounts for various factors, such as bundling multiple policies (e.g., auto and home insurance) or meeting specific criteria like being a safe driver or a student with good grades.
  • Driving Habits: The frequency and distance of driving impact insurance costs. Those with a lower annual mileage or who participate in usage-based insurance programs may be eligible for reduced premiums.

In navigating the intricacies of insurance, recognizing the factors influencing costs empowers individuals to make informed decisions aligned with their needs and financial considerations. Whether considering driving history, location, or coverage options, each element plays a role in shaping the overall premium.

By comprehending these factors, policyholders can navigate the insurance landscape strategically, ensuring both effective protection and cost-effectiveness in their coverage choices.

national general insurance company (integon) Discounts Available

GMAC Insurance offers a number of different ways for their policyholders to lower insurance premiums. They fall into the following categories, including:

  • GM/GMAC Customer Discounts for those who have more than one GMAC account or who own a GM vehicle
  • Paid-in-Full Discount for paying for your insurance policy up front rather than in installments
  • Multi-Vehicle Discount for having more than one vehicle combined on a single policy. This includes RV’s, motorcycles, and automobiles
  • GM Loyalty Discount for those who own only GM vehicles that are insured with GMAC Insurance
  • Safe-Driver Discounts for people who have completed a safe-driver course or who have an active OnStar account
  • Motorcycle Discounts for those who are considered safe riders, or who have multiple vehicles on their policy along with their motorcycles
  • OnStar Subscriber Discounts for people who have an active OnStar account
  • Low Mileage Discounts for people who only drive less than 15,000 total in a single year
  • GM Family First Discounts for customers who either work for GM or have a direct family member who does
  • Affinity Discounts for people who support various charities and organizations
  • GM Supplier Discount for people who work for a company that supplies parts and other items to General Motors

National General Insurance Effortless Claims Process

Ease of Filing a Claim

National General Insurance provides policyholders with multiple convenient methods for filing claims. Whether you prefer the ease of online submissions, the efficiency of over-the-phone processing, or the accessibility of mobile apps, National General Insurance ensures a hassle-free experience for claim reporting.

Average Claim Processing Time

The company is committed to efficient claim processing, aiming to minimize the time between claim submission and resolution. Policyholders can expect timely assessments and swift actions, ensuring a smooth and prompt resolution process.

Customer Feedback on Claim Resolutions and Payouts

National General Insurance takes customer satisfaction seriously. The company values feedback from its clients, using it to continually enhance their claims services. Positive customer experiences highlight the insurer’s commitment to fair and satisfactory claim resolutions, reinforcing their reputation for reliability and customer-centricity.

Unveiling Digital and Technological Advancements of National General Insurance

Mobile App Features and Functionality

National General Insurance offers a feature-rich mobile app, providing users with intuitive navigation and essential functionalities. From policy management to claims tracking, the app ensures a seamless experience, empowering users to access their insurance information conveniently on their smartphones.

Online Account Management Capabilities

The insurer’s online platform is designed for comprehensive account management. Policyholders can log in to their accounts to review policy details, make payments, and update information. The user-friendly interface simplifies complex processes, enabling customers to manage their policies with ease.

Digital Tools and Resources

National General Insurance provides a suite of digital tools and resources to educate and assist policyholders. From informative articles to interactive resources, the insurer equips its customers with valuable insights into insurance-related topics. Additionally, online claim tools and resources further enhance the overall customer experience, ensuring policyholders have the necessary support at their fingertips.

How national general insurance company (integon) Ranks Among Providers

Understanding the competitive landscape is crucial for evaluating how National General Insurance stands out and where it faces formidable rivals. Here are the main competitors, their strengths, and why they are significant players in the insurance industry:

  • Progressive Corporation: Progressive is a major competitor for National General Insurance, offering a wide range of insurance products, including auto, home, and specialty insurance. Similar to National General, Progressive is known for its innovative approaches and competitive rates.
  • Geico: Geico, with its iconic advertising campaigns and strong market presence, is a formidable competitor. They provide various insurance products, including auto and homeowners insurance, and are recognized for their cost-effective policies and efficient online services.
  • Allstate Corporation: Allstate is another key player in the insurance industry, offering a diverse set of insurance solutions, from auto and home to life insurance. Their nationwide presence and reputation for customer service make them a significant competitor to National General Insurance.
  • State Farm: State Farm, as one of the largest insurance providers in the U.S., competes with National General Insurance in the auto and homeowners insurance sectors. Known for its extensive network of agents and comprehensive coverage options, State Farm poses a strong challenge.
  • Liberty Mutual Insurance: Liberty Mutual is a global insurer offering a range of insurance products, including auto, home, and life insurance. Their emphasis on customer service and customizable coverage options makes them a notable competitor to National General Insurance.

In a competitive insurance market, National General Insurance faces significant rivals such as Progressive, Geico, Allstate, State Farm, and Liberty Mutual. Each competitor brings its strengths, whether in innovative policies, widespread market presence, or a strong emphasis on customer service.

National General Insurance needs to continually refine its offerings and services to stay competitive and provide customers with the best value and protection.

Frequently Asked Questions

What is National General Insurance, and what types of insurance does it offer?

National General Insurance is an insurance company that offers a range of insurance products, including auto, home, renters, and life insurance. They are affiliated with General Motors and were the first insurance company in the United States to be founded by an automobile manufacturer.

What is the AM Best rating for National General Insurance?

National General Insurance’s AM Best rating is A-.

What factors affect insurance quotes?

Insurance quotes are based on factors such as driving history, credit score, desired coverage, and other factors.

Does owning a GM car affect National General Insurance coverage?

No, owning a GM car is not a requirement to have National General Insurance auto insurance policies.

How can policyholders lower their insurance premiums with GMAC Insurance?

GMAC Insurance offers several ways for policyholders to lower their insurance premiums, including bundling policies, maintaining a good driving record, taking defensive driving courses, and installing safety features in their vehicles.

Does GMAC offer coverage options for high-risk drivers?

Yes, GMAC offers a variety of policy options that can meet the needs of high-risk drivers, including different amounts of coverage, premiums, and more.

What resources does the GMAC Insurance website provide?

The GMAC Insurance website provides a learning center with information about every type of insurance they offer, an online claims center, a customer care section, and an online quote service. Additionally, customers can find a local GMAC insurance agent to contact if they have further questions.

What types of insurance do US Insurance Agents compare rates for?

US Insurance Agents provides a fast and simple way to compare rates for multiple lines of insurance, including auto, home, renters, and life insurance.

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Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Insurance Agent

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for national general insurance company (integon)

3.23 (387 reviews)
1
September 7, 2023

Michellemb

Cheap coverage, bad customer service

Cheap company! They have a terrible coverage and they basically ignore police reports to avoid paying for your vehicle damage. Don’t lose your time, they will do nothing for you. Customer service is a shame, consultants never answer the phone and they never get back to you if you leave a voice mail.
1
August 9, 2023

Honest_olive

THIS IS THE WORST INSURANCE CARRIER!!

THIS IS THE WORST INSURANCE CARRIER!! My vehicle was stolen earlier this year and I made a police report and reported it to my insurance (National General Insurance Company (Integon). First off, it takes them weeks to get back to you with an update. My car was towed and impounded, I received a letter and reported it to them so they can pick it up. I missed work to go to the impound and sign off the car to the insurance, so they are able to pick i...
THIS IS THE WORST INSURANCE CARRIER!! My vehicle was stolen earlier this year and I made a police report and reported it to my insurance (National General Insurance Company (Integon). First off, it takes them weeks to get back to you with an update. My car was towed and impounded, I received a letter and reported it to them so they can pick it up. I missed work to go to the impound and sign off the car to the insurance, so they are able to pick it from the lot, as I am the owner, but after a week they call me to tell me that the car is being towed to my house instead of a shop. My vehicle is completely dead, I have no idea what they did to it. I know with this advanced technology; they can snatch a car with new devices. After months of waiting to hear back, they sent me a letter stating they will not fix my car as there was no forced entry. I do not have a couple thousands hanging around to fix it on my own, so I don't have a drivable car. I am disappointed! I want to share my experience, so you guys know what this insurance does not offer. There is new technology out there, they are claiming that no one broke in since there are no signs of forced entry. They do not deserve your money. They need to update their policy to reflect the "new" times. So now because someone decided to take my car for a joy ride resulting in a electrical breakdown, I have been car-less for months! While the insurance wiped their hands clean, claiming they cannot fix it because there were NO SIGNS OF FORCED ENTRY. It is RIDICULIOUS!!
1
April 13, 2023

tee1984

DAMAGE TO MY VEHICLE

A terrible insurance company that is cheap. I never had auto insurance with them but their client [REDACTED NAME] damaged my brand new truck. Lied so they don’t have to pay for my truck to fix He was driving on old ford fusion. I WOULD NEVER RECOMMEND THIS COMPANY TO ANYONE THEY ARE TERRIBLE TOWARDS THE CLAIMANT.
1
January 31, 2023

Forde

Poor communication

Recently had a blow out on vacation in my travel trailer. From the dropped calls by customer service on the road to the slow to no response from the adjuster or even her supervisor, it’s hard to believe the good ratings they have. When the repair shop has to call me because no one is returning their calls from Integon, it’s obvious the ratings are inflated. All I want is for [REDACTED NAME] or her supervisor [REDACTED NAME] to return eithe...
Recently had a blow out on vacation in my travel trailer. From the dropped calls by customer service on the road to the slow to no response from the adjuster or even her supervisor, it’s hard to believe the good ratings they have. When the repair shop has to call me because no one is returning their calls from Integon, it’s obvious the ratings are inflated. All I want is for [REDACTED NAME] or her supervisor [REDACTED NAME] to return either my call or the repair shops call so I can get my Airstream repaired. I am done leaving voice messages that fall on deaf ears.
1
October 8, 2022

Ivonarencibia

HORRIBLE INSURANCE

My mom had gotten this insurance my car was involved in a a hit and run accident and the bumper was stolen from the vehicle. They denied my claim due to them failing to ask my mom of the people that live at the residence and canceled the policy. They have horrible response time and don’t bother sending out an adjuster to see the car. I will be taking legal actions
1
July 18, 2022

New_Review_01

My experience with integron

Hi Everyone, Wanted to take the time in writing a formal review on this insurance. There was a situation with my auto insurance that made me cancel my policy with Integron. I paid about $137 for my new vehicle insurance and was probably paying for a whole 2 years ( about 3,288 total) with them until a homeless driver hit my vehicle. I was not at fault and the insurance company offered no help with getting my car taken care of.. had to pay deduc...
Hi Everyone, Wanted to take the time in writing a formal review on this insurance. There was a situation with my auto insurance that made me cancel my policy with Integron. I paid about $137 for my new vehicle insurance and was probably paying for a whole 2 years ( about 3,288 total) with them until a homeless driver hit my vehicle. I was not at fault and the insurance company offered no help with getting my car taken care of.. had to pay deductible and baisically full balance since the insurance company only offered to help with 114$ overall. It was very unbelievable and not only that, they didn't want to send anyone to look at the car but send pictures of car at surface level so they basically did not offer any accurate diagnosis when deciding how much they are supposed to help with fixing my account. PLEASE I BEG EVERYONE TO AVOID THIS INSURANCE. I will try my best to spread the word out across every platform because I son't anyone to go through this either. I just couldn't imagine if I had gotten in even a bigger accident, this insurance would try it's best to go against me.
1
January 25, 2022

Traveler_

STAY AWAY

STAY AWAY Don't use this company for any reason. After paying for years on issuance for my motorhome and never having a claim. A windstorm blew this windshield off and caused damaged to the roof which created a leak. They denied this claim and were extremely rude in the process. They want your money but when you need them, they are nowhere to be found. Criminals
1
December 7, 2021

venebar

They are irresponsible

It is a [REDACTED WORD] doesn't work, no costumer services, nobody answers your call, just a machine, and adjuster all the time has you phone turned off, they don't want to pay my car accident. Don't but any policy with them, never and ever Nooooo
1
November 19, 2021

Gary0007

Useless if Rental Needed

After waiting 17 days with a broken back from a car accident, was told there is still NO ETA on a car insurance adjuster to see car, and without the estimate there is NO RENTAL given. Can't get to doctor appointments! Insanely expensive HORRID car insurance!
1
October 13, 2021

Vikashni_

Worse experience

Worse experience ever!! Horrible!! I will not recommend them at all. I had my car hit and run claim and it took them 4 weeks to process the claim. No communication whenever I call no answer and after leaving a voicemail they never call back. They denied my claim cuz there specialist said that the car was moving when it got hit and I gave them all the proof that the car was parked in the parking lot. I even gave them a instant police report. My ca...
Worse experience ever!! Horrible!! I will not recommend them at all. I had my car hit and run claim and it took them 4 weeks to process the claim. No communication whenever I call no answer and after leaving a voicemail they never call back. They denied my claim cuz there specialist said that the car was moving when it got hit and I gave them all the proof that the car was parked in the parking lot. I even gave them a instant police report. My car has full coverage and still they are not fixing it. What’s the point of me paying them every month. So frustrating and stressful I will change my insurance company and will take legal action. I just hope this doesn’t happen to anyone else How can you tell the car was moving by looking at the picture and denie the claim they really have some dumb specialist that don’t now what they are doing. So mad 😡 I would give them zero stars. Please stay away from ngic
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