In today’s unpredictable world, insurance is no longer a luxury—it’s a necessity. Whether it’s safeguarding your vehicle, your home, your health, or your business, choosing the right insurance provider can make all the difference. Among the numerous insurance companies in the United States, National General Insurance stands out as a trusted name known for its wide range of services, competitive pricing, and customer-centric approach. In this blog post, we’ll explore the history, offerings, benefits, and why National General Insurance might be the right choice for your coverage needs.
A Brief History of National General Insurance
National General Insurance has a rich legacy dating back to 1920, originally founded as the Motors Insurance Corporation. Over the decades, the company evolved, expanded its services, and rebranded as National General Insurance. It is now a part of Allstate Corporation, one of the largest publicly held insurance providers in the U.S.
Being backed by Allstate has strengthened National General’s ability to offer robust and reliable coverage while maintaining its unique identity in the marketplace. The company is headquartered in Winston-Salem, North Carolina, and continues to serve millions of policyholders across the country.
Types of Insurance Offered by National General
One of the major strengths of National General is its comprehensive range of insurance products. Here’s a closer look at what they offer:
1. Auto Insurance
National General is best known for its auto insurance services, especially for high-risk drivers. Features include:
- Liability coverage
- Collision and comprehensive coverage
- Medical payments and personal injury protection
- Uninsured/underinsured motorist protection
- 24/7 roadside assistance
- SmartDrive program for safe driver discounts
What sets their auto insurance apart is the flexibility in payment options and availability for drivers with less-than-perfect driving records.
2. Homeowners Insurance
National General provides extensive protection for your home and personal belongings. Key features include:
- Dwelling coverage
- Personal property protection
- Liability coverage
- Additional living expenses (ALE)
- Water backup and identity theft protection (optional add-ons)
They also offer bundle discounts when you combine home and auto insurance, making it more affordable.
3. RV and Motorcycle Insurance
For those who love the open road, National General offers specialized insurance for RVs and motorcycles. Coverage includes:
- Total loss replacement
- Emergency expense allowance
- Personal belongings coverage
- Optional full replacement cost
These policies are tailored for travelers and adventurers who require flexible and expansive coverage options.
4. Health and Supplemental Insurance
In addition to property and auto coverage, National General provides:
- Short-term health insurance
- Accident and critical illness coverage
- Dental and vision plans
- Hospital indemnity insurance
These supplemental policies can fill in gaps where traditional health insurance falls short, offering peace of mind during unexpected medical events.
5. Small Business Insurance
Business owners can also turn to National General for:
- Commercial auto insurance
- General liability
- Workers’ compensation
- Property insurance
They understand the unique risks faced by small businesses and offer customizable solutions.
Why Choose National General Insurance?
1. Flexibility and Affordability
National General understands that every customer’s needs are different. They offer flexible payment plans, multiple discounts, and coverage options that fit a range of budgets and lifestyles.
2. High-Risk Driver Coverage
Many insurance companies shy away from covering drivers with past accidents or violations. National General, however, specializes in non-standard auto insurance, which is a lifeline for many high-risk drivers.
3. Digital Tools and Customer Support
Their easy-to-use mobile app and online portal allow customers to manage their policies, make payments, and file claims with ease. Plus, their customer support is available 24/7 to assist with emergencies and inquiries.
4. Extensive Network
Being part of the Allstate family means access to a broad network of repair shops, healthcare providers, and claims adjusters, enhancing the efficiency of the entire insurance process.
5. Discounts and Bundling
National General offers numerous discounts such as:
- Multi-vehicle discounts
- Safe driver rewards
- Home and auto bundling
- Paid-in-full discounts
- Low mileage discounts
These incentives can significantly reduce premium costs over time.
Customer Reviews and Reputation
While no insurance company is perfect, National General generally receives favorable reviews, particularly for their specialized products and customer service. Customers frequently praise:
- Fast claims processing
- Easy-to-understand policy options
- Competitive rates for high-risk drivers
However, some users have noted inconsistencies in agent communication and billing issues. Like with any insurance provider, doing your due diligence and reading the fine print is crucial.
Who Should Consider National General Insurance?
- Drivers with poor driving history: If you have tickets, DUIs, or previous accidents, National General offers realistic and flexible solutions.
- Frequent travelers: With strong RV and travel-related insurance products, it’s a good fit for road warriors.
- Small business owners: Tailored commercial auto and general liability packages can help protect business assets.
- Families looking to bundle: Combining auto, home, and health coverage can lead to significant savings.
How to Get a Quote from National General Insurance
Getting a quote is easy and can be done in three ways:
- Online: Visit National General’s website and use the quote tool.
- By Phone: Speak directly with a licensed agent for personalized advice.
- Through an Independent Agent: Many independent insurance agents offer National General products and can compare quotes for you.
Conclusion
National General Insurance has carved a niche in the U.S. insurance market by offering customizable, affordable, and reliable coverage for individuals, families, and businesses alike. Whether you’re a high-risk driver, an RV traveler, a homeowner, or a business owner, National General’s diverse product line and flexible policies make it a solid choice.
As always, the key to finding the best insurance is comparing quotes, understanding your unique needs, and reading the policy documents carefully. National General may not be the flashiest brand, but for many, it’s exactly the kind of steady, dependable insurer they need.
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Discover the benefits, coverage options, and customer reviews of National General Insurance. Learn why it’s a top choice for auto, home, health, and business insurance in the U.S.