When considering insurance for your home, auto, business or life, National General Insurance is one of the top options available. As one of the largest personal lines insurance carriers in the US, National General provides a wide range of affordable and reliable coverage. This article will discuss what National General Insurance is, the different types of policies they offer and why choosing them makes for a good decision.
About National General Insurance
Founded in 1939, National General Insurance has grown to be a prominent insurance provider serving over one million customers. Headquartered in New York, the company operates through a network of over 30,000 independent agents across all 50 states.
National General focuses primarily on non-standard auto insurance for drivers with gaps or issues in their driving history that disqualify them from most carriers. In addition to auto, they offer home, renters, small business, life and other specialty insurance customized for individuals’ needs.
What types of policies does National General provide?
Auto Insurance
As stated before, auto is National General’s specialized segment. Their non-standard auto policies provide competitive rates for high-risk drivers who need SR-22 filings or have accidents, DUIs or license suspensions on record. Features like 24/7 claims support help policyholders anytime.
Home Insurance
National General home insurance covers dwellings and contents against perils like fire, theft, storms and more. Renters policies are ideal for apartment renters. Discounts apply on bundling with auto.
Small Business Insurance
Tailored coverage for law practices, contractors, daycares, retail shops et al. Options range from basic liability to complete business owner or commercial auto protection.
Life Insurance
National General life insurance policies include both term and permanent plans providing financial security for families in case of death or critical illness for the insured.
Medicare Supplement Insurance
Helps policyholders fill gaps in healthcare costs during retirement through Medicare supplement plans that cover deductibles, copays and more.
Why choose National General Insurance?
1.Affordable premiums
Thanks to efficient processes and large underwriting scale, National General keeps overhead low to offer competitive and transparent premiums across all policies. Multiple discount factors reward loyalty.
2.Broad acceptance criteria
As a leading non-standard carrier, National General caters to a large underserved customer segment rejected by other insurers due to non-minor issues. This inclusive approach helps people get necessary coverage.
3.Quality customer service
Policyholders benefit from 24×7 claims assistance by phone or online. The website provides easy access to documents, payment options and educational resources to resolve all queries smoothly.
4.Extensive network of agents
With thousands of independent agents nationwide, finding an authorized National General representative is highly convenient local areas, both online and offline to assess coverage choices. They assist with applications, too.
5.Robust offerings
From standard to highly specialized protection for auto, home, business, life and health, National General’s diversified portfolio satisfies varied customer profiles through flexible plans.
What do customers say about National General Insurance?
National General has high customer satisfaction ratings reflecting its strong reputation. On third party review sites like Trustpilot and AM Best, policyholders laud National General’s:
1. Hassle-free claims processing for even complicated cases24x7 aid from courteous representatives 2. clearing doubts enthusiastically
3. Competent independent agents providing excellent guidance and service
4. Smooth online account management for quotes, documents and payments
5. Useful digital tools like payment kiosks, mobile app and portal
A minority of unsatisfied reviews pertain to isolated individual claim rejections or higher than expected renewal quotes for high-risk drivers. On the whole, National General upholds positive service quality ratings in the industry.
Tips to get a cheaper National General insurance quote
Here are some effective ways customers recommend getting lower premiums from National General:
1. Use the online quote form and compare several plans to maximize available discounts
2. Ask about bundling auto with renters/home for bundled member benefits
3. Enroll in automated recurring EFT payments to save on processing fees
4. Consider raising deductibles to lower costs unless financial situation allows absorbing losses
5. Maintain a clean driving/claims record for lower risk assessment and preferred rates
6. Provide complete, accurate details to avoid unfavourable underwriting decisions
7. Negotiate rates directly with agents whose bids factor in commission flexibility
Conclusion
In summary, National General stands out as a highly trusted insurance provider with impressive market coverage. Its customer-centric policies and approach have significantly benefited Americans for decades. By following the tips above, one can conveniently obtain customized and cost-effective protection tailored to individual risk profiles and budgets through National General Insurance.