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National General

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LAST UPDATED: November 18th, 2019

Founded in 1939, National General offers homeowners insurance, RV insurance, and small business auto insurance in addition to personal auto insurance.

Each National General auto insurance policy comes with a satisfaction guarantee, repair shop network access, and options for premium discounts.

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The Good

  • Repair Shop Network
  • Satisfaction Guarantee
  • Emergency Expense Allowance
  • Discounts 

Repair Shop Network

If you get your collision repairs done at a shop within the company’s Gold Medal Repair Shop network, those repairs are guaranteed for the lifetime of the vehicle.

Satisfaction Guarantee

National General’s claims service representatives are said to be experienced, friendly, and readily available to assist customers. The process to report a claim online involves simply entering your policy number and recording the details of the incident. Most small claims are paid within 48 hours of reporting. National General will waive your deductible up to $250 if you aren’t satisfied with its claims service.

Emergency Expense Allowance

National General covers up to $250 per day in food, lodging, and travel expenses for covered claims.

Discounts

Policyholder discounts include the following:

  • Safe driver
  • Low mileage
  • Paid-in-full
  • Multi-vehicle
  • Motorcycle
  • Multi-policy
  • Paperless billing
  • Anti-theft
  • Autopay
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The Bad

  • Eligibility Conditions

Eligibility Conditions

Eligibility for special rates and features is not guaranteed.

Within the Gold Medal Repair Shop network, the lifetime guarantee only applies to covered comprehensive or collision claims. Only subscribers with National General’s OnStar program are eligible for the low mileage discount, and OnStar is not available in all states.

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The Bottom Line

This company sets itself apart from others in the industry by prioritizing customer service with its satisfaction guarantee wherein you can have your deductible waived if service is slow. National General is worth considering based on that feature alone.

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