Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 25, 2022

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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • GMAC Insurance now does business as the National General Insurance Company
  • You can file a claim on the National General Insurance website
  • Discounts help drivers save money on car insurance

When it comes to accident preparedness, for the best results, prepare for the worst. That’s where your car insurance coverage comes into play.

Car insurance protects yourself and others when you’re out on the road, but with so many companies flooding today’s marketplace, drivers are left scratching their heads as they try to decide which company can get them the coverage they need. Thankfully, free resources like this GMAC Insurance review can help you whittle down your options until you find the best insurance company that can meet your needs.

Keep reading about GMAC Insurance to learn about this company’s history, the coverages it offers drivers, and how you can save money on your car insurance.

As you learn more about GMAC Insurance, you can enter your ZIP code to get free insurance quotes right away.

Who is GMAC Insurance?

Founded in 1920, GMAC Insurance is now known as the National General Insurance Company. CEO Barry Karfunkel currently leads the company, and National General’s head office is located in Winston-Salem, North Carolina. The company has grown to impressive heights throughout the years and now employs over 7,000 people. Drivers across the nation can purchase car insurance from this long-established company, along with a range of other products.

While the company may be over 100 years old, National General hasn’t gotten stuck in the past.

For example, when you visit the National General website, you can use your National General Insurance login information to access your account and view your ID cards. You can even use the National General Insurance quick pay feature to keep your policy in good standing and never worry about missing a payment.

If you have a question or concern regarding your policy, you can reach out to National General directly by calling 1-800-462-2123.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Is National General Insurance highly rated?

National General Insurance may be a great insurance company to do business with if you only want to work with financially strong institutions. A.M. Best awarded this company an A+ rating, which indicates that this company can pay out any claims you file.

You can compare this rating to those awarded by A.M. Best to other industry giants, as seen here:

  • Erie – A+
  • Nationwide – A+
  • Allstate – A+
  • State Farm – A++
  • Liberty Mutual – A
  • GEICO – A++
  • Progressive – A+
  • USAA – A++

As you can see, National General Insurance is by no means lesser than its peers when it comes to financial fortitude. The good ratings for National General don’t stop there, though.

If you’re a driver who is concerned about receiving excellent customer care, you’ll be pleased to note that this insurance company is a Better Business Bureau (BBB) accredited company. On top of that, the BBB gave National General Insurance an A+ rating, which is a great sign that National General provides excellent customer service.

What coverages does National General Insurance offer?

Getting the right coverage is very important, so take a look here to see what coverages National General Insurance has to offer you:

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured Motorist
  • Underinsured Motorist
  • Personal Injury Protection
  • Roadside Assistance
  • Accidental Death and Dismemberment
  • Auto Protection Plan

Now, all policies are not created equal. If you want to enhance your National General auto insurance policy, you can add coverages like Mexico insurance or rental reimbursement. These enhancements make National General a great choice for drivers who love to go on long trips and explore new areas.

If you should ever have to file a claim, you won’t be able to call the GMAC Insurance company claims phone number as that no longer exists. Instead, you’ll be able to call 1-800-468-3466, the National General Insurance claims phone number. You can even report a claim online.

Are National General Insurance rates competitive?

While National General Insurance policies can come with quite a lot of coverage, this coverage does come at a high cost. Drivers pay, on average, $8,083 per year for their coverage. This rate is astronomically high when compared to other major insurance companies:

Insurance CompaniesU.S. Annual Average Rates
American Family$1,282.72
Travelers$2,173.97
USAA$2,388.05
Farmers$2,549.46
Nationwide$2,908.82
GEICO$3,215.01
State Farm$3,260.00
Progressive$3,798.13
Allstate$4,887.95
Liberty Mutual$5,120.76
Get Your Rates Quote Now

Compare RatesStart Now →

You can save money on your insurance by shopping around online because no two insurance companies implement the exact same underwriting process. Due to these differences, you should request quotes from five different companies, at the very least, so you can compare the rates and coverages of each one side-by-side. Having all the necessary information in front of you will allow you to get the best deal possible.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Does National General Insurance offer discounts?

If you think your National General Insurance payment is too high, you can see if you qualify for any of National General’s discounts. National General offers a generous amount of savings opportunities, which you can examine here:

  • Paid-in-Full Discount
  • Multi-Vehicle Discount
  • Safe-Driver Discounts
  • RVs and Autos
  • Motorcycle Discounts
  • Low Mileage Discount
  • Affinity Discounts
  • Multi-Policy Discount
  • Paperless Discount
  • Anti-Theft Discount
  • Auto-Pay Discount

Many of these discounts promote bundling your insurance products with National General. So, if you have a car and a motorcycle or are a driver who owns their own home, turning to National General for all your insurance needs may be a smart financial step for you.

What You Need to Know About GMAC Insurance

Once GMAC Insurance, National General Insurance offers extensive coverage options and a user-friendly website to help drivers take control of their policies. The average rate for National General does appear to be higher than most other insurance companies on the market, but you can get a free quote online to see how much your unique rate would be.

National General also offers generous bundling discounts, so if you have multiple items insured through a variety of companies currently, you may want to consider bundling them all with National General.

You can confidently shop for car insurance now that you’ve finished this National General review. Enter your ZIP code to start comparing free insurance quotes today.

Frequently Asked Questions About GMAC Insurance

You may still have questions about the insurance entity once known as GMAC Insurance. Below, you can find answers to some commonly asked questions about National General Insurance.

#1 — Does National General Insurance sell life insurance policies?

GMAC Insurance’s current configuration, National General Insurance, doesn’t sell life insurance policies, but you can purchase a Medicare supplement through National General Insurance.

#2 — Does National General Insurance sell personal umbrella policies?

Yes, National General Insurance sells umbrella policies through its subsidiary, NatGen Premier.

#3 — How can I cancel my National General Insurance policy?

You can cancel your National General Insurance policy by sending in a written notice with your policy number and the date you would like the policy to be canceled on. If you are switching insurance companies, you should also list your new insurance policy number and the effective date of your new policy.