GMAC Auto Insurance Review (2020)

National General auto insurance reviews replace those for GMAC, since the company changed names in 2013. National General offers car insurance with special discounts for GM owners and employees.

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Company Details

Address:

P.O. Box 3199

City:
Winston-Salem
State:
NC
ZIP Code:
27102-3199
Phone Number:
800-847-2886
Year Founded
AM Best Rating:
A-
Company Rating 3 (1 review)

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
Licensed Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/aiorg-live/d98a9f52-daniel-walker.png

UPDATED: Jul 8, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • GMAC has changed its name to National General
  • National General Insurance offers several types of insurance including bodily and property liability and uninsured motorist coverage
  • National General Insurance does not directly offer products for classic cars

The company was founded in 1939 as Motors Insurance Corporation.

GMAC has changed its name to National General. It offers a wide array of insurance products, services, and auto insurance discounts to eligible customers.

In July of 2020, Allstate reached an agreement to acquire National General for $4 billion, which will make it part of one of the biggest insurance companies in the country.

Read on for a full National General auto insurance review. Then start your search for the best auto insurance rates by entering your ZIP code above!

National General Location

National General’s headquarters is at:

P.O. Box 3199
Winston-Salem, NC 27102-3199

The National General car insurance phone number is 800-847-2886. National General insurance claims can be filed at this number. You can also cancel your policy by calling. A National General Insurance cancellation fee may apply.

You can perform a search online to find a local National General insurance agent. If there aren’t local agents available, they will refer you to other potential auto insurance providers.

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National General Insurance Coverage

National General Insurance offers the following types of auto insurance coverage:

  • Bodily Injury Liability Coverage takes care of injury or loss to other people caused by your covered vehicle. It also helps pay for your legal defense costs if you are charged with causing harm to others with your car.
  • Property Damage Liability will cover damage your vehicle causes to someone else’s property as the result of an accident, where you are at fault.
  • Comprehensive Coverage handles damage relating to anything that is not a collision. Examples include acts of Mother Nature.
  • Medical payments coverage is for you and the people in your vehicle. It covers medical needs and ever costs of a funeral after a car accident.
  • Underinsured Motorist Coverage protects you if someone without insurance, or without adequate insurance, hurts you or damages your car.
  • Personal Injury Protection will cover medical expenses and losses that occur as a result of an automobile accident. The PIP coverage is valid no matter who caused the accident.

National General Insurance does not directly offer products for classic cars. National General will refer you to Hagerty Insurance to cover these types of vehicles. National General will then service your policy.

National General health insurance is no longer available.

National General Auto Insurance Discounts

National General offers auto insurance discounts for having a good driving record or safety features on your car. National General also offers the following options to save money on your auto insurance premium…

  • Customer discount for driving a GM vehicle, having a GM card, GMAC mortgage, auto financing or an active OnStar subscription
  • Paid in full discount for paying the full amount up front
  • Multi-vehicle discount for having more than one vehicle on your policy
  • GM loyalty discount if all vehicles on the policy are GM vehicles
  • Safe driver discounts for completing a defensive driving course in qualifying states or having OnStar
  • RVs and Autos on policy can earn you a multi-policy discount up to 20 percent
  • Safe-rider and multi-cycle discounts for motorcycle coverage
  • OnStar subscriber discount can save you 10-20 percent on your premium depending on your policy
  • Low mileage discount is available to OnStar subscribers who drive less than 15,000 miles a year
  • GM family first discounts for active and retired employees of GM, GMAC and other subsidiaries. The discount also includes extended family members.
  • Affinity discounts for members and supporters of qualifying organizations
  • GM supplier discount for employees of businesses that work with General Motors

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National General Insurance Extra Services

National General also offer its customers a multitude of extras:

  • SmartValet service means National General will pick up your damaged vehicle and bring you a rental car after a claim is filed. Once your vehicle is repaired, they will deliver it directly to you and return the rental car.
  • SmartParts promise guarantees the use of only original equipment manufacturer parts in collision repairs at no extra charge. These parts are manufactured to the same quality standards as the original parts on the vehicle.
  • Guaranteed repairs service provides a lifetime guarantee on all collision repairs made at any of National General’s gold medal repair shops.
  • Guaranteed claims service satisfaction means National General will waive your deductible up to $250 if you are not satisfied with the service on your auto insurance claim.
  • Emergency expense allowance covers up to $500 in food lodging and travel expenses after a covered claim.
  • SmartReplacement is a service where National General will refer you to an expert to find the car you want as a quick replacement for a total loss situation.
  • SmartInspect is a service where National General will inspect the car if it has been repaired after a claim.

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GMAC Insurance Claims

National General gives you the ability to file an auto insurance claim online at your convenience. You may also call the claim line at 800-325-1088. The line is available 24 hours a day, seven days a week.

You will need to have the policyholder’s number, information about the property involved and details about the loss or damage.

After the claim is filed, you can follow up by calling 888-233-4575 with the extension of the representative handling your claim.

When your car is still drivable after an accident, you can speed up the claim process by scheduling a drive-in appraisal. A National General appraiser will determine the amount of damage before completing the auto insurance claim.

GMAC Insurance Reviews

AM Best has given an A- financial strength rating and issuer credit rating for National General Insurance. This rating indicates that National General has an excellent ability to meet ongoing insurance obligations.

The financial size is listed under category IX, which is defined as $250 Million to $500 Million. The outlook for National General is considered stable under AM Best’s rating system.

Now that you’ve learned all about National General, get started with quotes. Find the best auto insurance rates by entering your ZIP code above.


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