In a world filled with uncertainties—rising healthcare costs, unpredictable weather patterns, and increasing vehicle ownership—the need for reliable insurance coverage has never been greater. For many Americans, National General Insurance stands out as a trusted name, offering a broad range of personal and commercial insurance solutions. With decades of experience and a commitment to customer service, National General Insurance is not just another insurer—it’s a safeguard for families, individuals, and businesses across the country.
In this blog, we’ll explore what makes National General Insurance unique, delve into its offerings, history, customer service, and digital transformation, and offer insights on why it might be the right choice for your insurance needs in 2025 and beyond.
What is National General Insurance?
National General Insurance, formerly known as GMAC Insurance, is a prominent insurance provider in the United States. With roots dating back to 1920, the company has built a strong foundation of trust and innovation. It is part of the Allstate Corporation, one of the largest and most respected insurance companies in the U.S.
Headquartered in Winston-Salem, North Carolina, National General provides a variety of insurance products, specializing particularly in auto, RV, home, health, and commercial insurance. The company’s offerings are available in all 50 states, serving millions of policyholders with a focus on flexibility, affordability, and comprehensive coverage.
Key Insurance Products Offered by National General
1. Auto Insurance
National General is perhaps best known for its auto insurance offerings. It provides standard and customized plans that cater to a wide range of drivers, including high-risk drivers and those with non-standard insurance needs.
Features include:
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Liability, collision, and comprehensive coverage
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Roadside assistance
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Rental car reimbursement
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Accident forgiveness
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SmartDiscounts® for safe drivers, low mileage, and multi-policy holders
Their telematics program, known as DynamicDrive, rewards safe driving behavior with potential discounts—making it a great fit for tech-savvy drivers looking to lower their premiums.
2. RV and Motorhome Insurance
For RV enthusiasts, National General offers specialized RV insurance that goes beyond what typical auto policies cover. This includes full replacement cost, emergency expense coverage, and personal effects coverage.
Whether you own a travel trailer or a luxury motorhome, their plans can be customized for full-time RVers or occasional travelers.
3. Homeowners and Renters Insurance
National General’s property insurance options are designed to protect your home and belongings from fire, theft, vandalism, natural disasters, and liability claims.
Highlights:
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Dwelling and personal property coverage
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Liability protection
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Flood and earthquake coverage (optional add-ons)
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Identity theft restoration services
They also offer bundling discounts for customers who combine home and auto insurance.
4. Health and Supplemental Insurance
The company also provides various health insurance and supplemental coverage plans, including:
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Short-term health insurance
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Dental and vision plans
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Accident and critical illness insurance
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Hospital indemnity policies
These plans are especially useful for self-employed individuals, gig workers, or those in between jobs who need temporary or gap coverage.
5. Small Business and Commercial Auto Insurance
Small business owners can also benefit from commercial auto insurance options, which are ideal for businesses with fleets or company vehicles.
Coverage includes:
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Bodily injury and property damage liability
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Medical payments
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Uninsured motorist protection
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Hired and non-owned vehicle coverage
Why Choose National General Insurance?
1. Nationwide Availability
National General operates in all 50 states, offering consistent service and claims handling across the country. This broad reach makes it a convenient choice for individuals and businesses operating in multiple locations.
2. Customizable Policies
Unlike some insurers with rigid policy structures, National General provides flexible coverage options that can be tailored to your specific needs. Whether you have a luxury vehicle, own multiple homes, or travel frequently in an RV, they likely have a plan for you.
3. Financial Strength and Backing
As a subsidiary of Allstate, National General benefits from the financial stability and reputation of a Fortune 100 company. This backing ensures that claims are paid promptly and that the company can withstand economic downturns or unexpected surges in claims.
4. Discounts and Savings Opportunities
National General offers a wide array of discounts, including:
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Multi-policy discounts
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Low mileage discounts
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Defensive driving course discounts
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Safe driver discounts
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Good student discounts
These savings can add up significantly, especially for families or individuals who bundle multiple policies.
Claims Experience and Customer Support
Filing a claim is one of the most critical aspects of any insurance experience. National General emphasizes efficiency and simplicity in its claims process. Policyholders can file claims online, through the mobile app, or by calling the 24/7 claims center.
Claim support includes:
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Quick response times
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Digital document uploads
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Real-time claim tracking
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Network of approved repair facilities
While the company receives mixed reviews on consumer platforms—common in the insurance industry—it is generally praised for its prompt handling of straightforward claims and responsive customer service.
Technology and Digital Tools
National General has embraced technology in recent years to enhance customer experience and simplify policy management.
Key digital features include:
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Online quote tools for quick policy comparisons
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Mobile app for managing policies, making payments, and filing claims
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DynamicDrive app for telematics-based discounts
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Access to digital ID cards and policy documents
These tools are particularly helpful for younger, mobile-first users who prefer self-service options.
Who Should Consider National General Insurance?
National General Insurance is ideal for:
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Drivers who need non-standard auto insurance
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RV owners looking for specialized motorhome coverage
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People seeking short-term health or supplemental insurance
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Families or individuals who want to bundle auto and home policies
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Small business owners with fleet vehicles or commercial coverage needs