National General Insurance
National General Insurance was founded in 1925 by General Motors offering Property and Casualty Insurance products. GM dealers offered this Insurance coverage to customer’s financing vehicles from GM. National General Insurance is known as a high-risk Insurance company, offering affordable pricing to customers who may have accidents and/or violations on their driving record.
National General Insurance – Now owned by Allstate
In 2020, Allstate purchased National General Insurance for $4 Billion. It keeps the name of National General, but is a sister company of Allstate. Some products offered by this Insurance company include:
Auto Insurance, RV Insurance, Home Insurance, Small Business Insurance, Motorcycle Insurance, Mexico Insurance, Health Insurance, and Classic Car/Collector Insurance
Discounts will help you save on your car Insurance premium. National General Insurance offers several discounts, including; paperless discount, auto pay discount, pay in full discount, married discount and safe driver discount.
Another discount available is Dynamic Driver Discount, which is a way to personalize your Insurance premium to give driver’s a cheaper rate. Insurance companies rate premiums based on many factors, but other drivers/accidents in the are being one of the factors. These driving programs help personalize your car insurance rates so you are paying a premium based on your driving abilities, not others.
National General Insurance – What is Dynamic Drive?
DynamicDrive immediately gives customers a participation discount of up to 10% o their personal auto premium.
By downloading the DynamicDrive app (available to Apple and Android devices), the app with automatically capture information regarding phone handling, speeding, and sudden braking.
Customers who do well driving with the DynamicDrive app, and practice safe driving, can earn up to 20% off of their premium at the renewal.
National General Insurance Coverages Available
Liability – Covers the other party if you are found At Fault in an accident. Covers for bodily injury expenses, and property damage up to your liability limit selected.
Uninsured/Underinsured Motorist Bodily Injury & Property Damage – Covers if you are hit by an Uninsured, or Underinsured Motorist who was found At Fault. This will cover your bodily injury expenses, and property damage up to your selected limit.
Comprehensive Coverage – Covers fire, vandalism, theft, glass breakage, and impact with an animal.
Collision – Covers the vehicle for impact with another vehicle or object.
Rental Reimbursement – Provides the insured with a rental car if the vehicle is being repaired in the event of a covered claim. Rental Reimbursement is reimbursed to the insured after they pay out of pocket, up to a certain amount per day and total.
National General Insurance Pros and Cons
|National General Insurance Pros||National General Insurance Cons|
|Insures high risk drivers with DUI||Customer complaints about billing plans available|
|Offers full coverage insurance||No mobile App|
|Many discounts available|
|Other products such as health insurance, renters, motorycle|
|Offers SR-22 filing|
National General Insurance is a great company for customers looking for affordable auto insurance. They do offer insurance for high risk drivers, which can be hard to find a company that will insure, or the prices may be expensive. National General provides affordable rates for drivers who have had a major violation, or a previous DUI. They also offer SR-22 filings, which may be required for a driver who is ‘high risk’.
National General Insurance – What is an SR-22?
An SR-22 is also known as a Financial Responsibility Filing. If you’ve been convicted of a major violation, the DMV may suspend your drivers license until you obtain an SR-22. An SR-22 is simply an attachment that is added onto a policy that contains at least the State Minimum Liability Requirements, per the State that is requiring the SR-22. Most companies charge a flat fee of $0-$25 for the filing. Other companies charge a percentage of the total premium, and some companies do not offer the SR-22 at all.
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Last Updated on by Treasure Coleman