Integon Auto Insurance Review (2021)
Integon auto insurance is a subsidiary of National General, the 15th-largest provider for personal auto insurance. Integon Insurance Company has 14,000 agents who underwrite various policies for National General. Customers of National General pay an average of $150 per month or $1,806 annually for auto insurance. Use discounts to lower your Integon auto insurance rates.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Mar 9, 2021
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- Integon auto insurance is a subsidiary of GMAC Insurance Holdings, Inc., which is now called National General Insurance.
- Customers pay $150 per month or $1,806 annually on average for auto insurance from National General, as underwritten by Integon.
- As National General, Integon offers a variety of discounts, including one for having anti-theft devices, being a safe driver, and paying for your policy in full.
Integon auto insurance is managed under its parent company, National General — formerly known as General Motors Acceptance Corporation (GMAC). Therefore, any Integon auto insurance you receive will come from National General.
If you buy Integon auto insurance, you’ll notice the company goes by many names, but all names connect back to National General. Each name represents a different company that will have different auto insurance rates — some may offer cheap auto insurance, but we’ll get to those details in a moment.
Continue reading our Integon National Insurance Company reviews to learn more about the Integon Insurance Company, Integon Insurance claims, Integon auto insurance rates, and Integon Insurance customer service.
Compare auto insurance rates outside of Integon auto insurance online by entering your ZIP code into our FREE quote tool above right now.
What are the average Integon auto insurance rates?
Integon auto insurance is a subsidiary of National General Insurance, formerly known as GMAC or General Motors Acceptance Corporation.
National General relies on underwriters from the Integon Indemnity Insurance Company to assess the risk of insurance customers.
Any quotes you receive will therefore be underwritten by an Integon national auto insurance agent, but your rates will be for National General. How much can you expect to pay with this company? Find out in the table below.
| Driver Demographics | Average Annual Auto Insurance Rates |
|---|---|
| 62-year-old male | $916 |
| 62-year-old female | $946 |
| 48-year-old male | $910 |
| 48-year-old female | $1,112 |
| 35-year-old male | $860 |
| 35-year-old female | $1,048 |
| 25-year-old male | $1,426 |
| 25-year-old female | $1,298 |
| 18-year-old male | $5,076 |
| 18-year-old female | $4,472 |
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As you can see, there are plenty of affordable Integon auto insurance policies available to customers. On average, customers pay $150 per month or $1,806 annually. However, use these rates as guidelines to help you estimate your potential annual premiums.
Auto insurance rates are based on many different variables besides just age. Other factors that affect auto insurance rates include where you live, your driving record, and even the kind of vehicle you drive.
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How do I get an Integon auto insurance quote?
Getting an Integon quote is misleading, as you’ll actually be getting a National General quote. While there is no Integon Casualty Insurance Company website, the National General website allows potential customers to receive insurance quotes online simply by entering their ZIP code into a quote box.
You’ll be directed through various personal prompts. Answer as honestly as possible to receive the most accurate rates.
Should you need further advice regarding your insurance needs, you can also speak with a representative. The Integon general insurance phone number is 1-800-462-2123, which is also under the leadership of the National General.
Any quotes you receive are saved, including those online, in case you’re not ready to make an immediate decision about switching providers. This gives you time to shop around, compare rates, and find the right company that best fits your needs.
What services does Integon auto insurance provide?
Integon underwrites multiple kinds of insurance policies for National General. The company sells home, auto, RV, motorcycle, small business insurance, and more.
According to the Insurance Information Institute (III), auto insurance is required in 49 states but 13 percent of American drivers are uninsured. While each state has its own unique laws regulating the specific auto insurance limits, at the very least, you’ll be able to buy a policy from the National General that easily meets your state’s standards.
Integon underwrites the following types of auto insurance coverage for National General clients:
- Bodily Injury Liability Coverage: Covers the injury or loss to the other driver involved in an accident you are found at fault for.
- Property Damage Liability Coverage: Covers damage to the other person’s vehicle or property as the result of an accident where you are at fault.
- Comprehensive Coverage: Covers damage to your vehicle relating to anything that is not a collision. Examples include weather damage, animal damage, vandalism, or auto theft. A deductible is associated with this kind of coverage.
- Collision Coverage: Covers damage to your vehicle when involved in any collisions, regardless of who is at fault. Examples include hitting another vehicle, a tree, or a pole. A deductible is associated with this kind of coverage.
- Medical Payments Coverage (MedPay): Covers the medical needs of you and the people in your vehicle when involved in an accident. It may also cover the costs of a funeral after a car accident.
- Underinsured Motorist Coverage: Covers you if someone without insurance, or without adequate insurance, hurts you or damages your car.
- Personal Injury Protection (PIP): Covers medical expenses and losses that occur as a result of an automobile accident, including missed pay. The PIP coverage is valid no matter who caused the accident.
The most common auto insurance policies are all available through National General and underwritten by Integon auto insurance agents.
National General also offers commercial automobile insurance. Commercial automobile insurance covers company cars, trucks, and vans. Commercial insurance provides bodily and property damage coverage for limits up to $1 million.
Additional coverage options are available, including National General’s motor club, which provides roadside assistance.
What are the Integon auto insurance policyholder discounts?
Under the name National General, Integon offers many different auto insurance discounts to its policyholders. Some discounts are for customer loyalty, others are for your driving habits or for installing anti-theft devices, lowering your risk as an insured client.
In the table below, take a look at all of the discounts advertised on the National General website.
| Auto Insurance Discount Offered | How to Qualify for the Discount |
|---|---|
| Paid-in-full discount | Pay in full upfront to qualify. |
| Multi-vehicle discount | Insure two or more vehicles to qualify. |
| Safe-driver discounts | Qualify by taking a defensive driving course (only available in some states) |
| RVs and autos policy discount | Save up to 20%, only pay one deductible if your RV and vehicle are involved in the same accident. |
| Motorcycle discounts | Safe-rider and multi-cycle discounts available. |
| Low mileage discount | Use an electronic device to track your mileage to qualify. |
| Affinity discounts | Membership discounts available to a variety of organizations. |
| Multi-policy discount | Bundle different policies for a "thank you" discount. |
| Paperless discount | Switch to electronic billing to qualify. |
| Anti-theft discount | Recieve a discount for certain anti-theft devices. |
| Autopay discount | Switch to automatic payments to qualify. |
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As you can see, the company provides multiple vehicle discounts and discounts to homeowners as well. Integon offers its policyholders discounts for good driving records, low mileage, and even paperless billing.
Having an anti-theft device in your vehicle will also warrant a discount. If you maintain an active vehicle recovery system, such as an OnStar subscription, your rates may be lowered as a result.
Lastly, if you have another GM account, like a credit card, Integon offers an additional discount on your policy.
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How do I file a claim with Integon Auto Insurance?
Integon auto insurance claims can be filed at any time on the National General website. All Integon Preferred insurance company claims are done online or on the phone. The website also provides helpful steps about what to do should you find yourself in a car accident.
Such information includes taking pictures, if possible, taking note of the date, time, and location, and phoning the police, as well as exchanging information with the other driver.
The website notes that processing time on a claim can take up to 48 hours. If you want to contact the claims department by phone, call the Integon auto insurance claims phone number at 1-800-468-3466. The Integon insurance customer service and claims number is available 24/7.
Unfortunately, there is no claims reporting on a mobile app for this company. While there is an app that tracks your driving habits, it will only lead to a potential discount, not the claims center. You’ll have to use the website or call the Integon insurance claims phone number. There is a live chat feature available online.
National General guarantees all claims repairs when done through an approved repair shop. After your accident, National General makes arrangements for your vehicle to be towed and a rental car is sometimes provided.
Once the car is finished at the repair shop, Integon will deliver your vehicle directly to you and return the rental. Should your vehicle be totaled, the Integon auto insurance company can locate a replica of the totaled vehicle if you wish.
There’s also an emergency expense allowance, including up to $250 in food, lodging, and travel expenses. Integon offers 100 percent satisfaction with its claims service, or your deductible will be waived.
How do I cancel my Integon auto insurance policy?
To cancel your Integon auto insurance policy, call the Integon insurance phone number. Remember, the Integon Casualty insurance company phone number is actually the National General number.
You can also cancel your policy online through the National General website.
The company does not advertise any cancellation fees; however, in some states, a fee may be applied. To avoid cancellation fees, know the date your policy is up for renewal and cancel about a few weeks beforehand.
Be sure you’ve already purchased a new policy to avoid lapses in your coverage, which could lead to higher insurance rates.
What is the Integon auto insurance company?
What exactly is Integon insurance? Integon insurance goes by several names, such as Integon National, Integon Casualty Insurance, Integon Preferred Insurance, and Integon Specialty.
Integon Automobile Insurance, and all of the various names, are subsidiaries of National General Insurance, formerly known as GMAC. In other words, insurance agents under the Integon name underwrite the quotes and premiums for customers interested in purchasing insurance policies from the National General company.
National General changed its name from GMAC, or the General Motors Acceptance Corporation, in 2013. It was the 15th-largest underwriter of personal lines of insurance in the United States.
The National General Insurance umbrella began as Motors Insurance Company in 1939. It is the only insurance company that originated from a car company.
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Who are the Integon auto insurance agents?
There are over 14,000 independent National General agents across the United States that underwrite for National General policyholders.
The agents do not work for National General, but they represent several different smaller Integon companies as independent agents.
The independent agents are local and available to talk to you at the Integon Insurance Company phone number or meet with you at your convenience in person. Integon auto insurance quotes are available through the agents as well.
Integon National Insurance’s phone number is 1-888-293-5108.
You can find an agent online by entering your ZIP code into the toolbox on the company’s website and determining the mile radius you’re willing to travel. Once the information is entered, a map comes up with all the possible agencies.
What are the Integon auto insurance policyholder benefits?
Under the name National General, Integon provides specific benefits to its policyholders. For example, the company offers convenient, affordable down payments and monthly payments.
Automatic withdrawals from a designated checking or savings account is another convenience National General provides to its policyholders.
Integon National Insurance bill payments can also be made online or by calling 1-877-468-3466. Integon Preferred Insurance Company’s phone number is 1-800-526-0332.
Agents with Integon provide reviews on policyholders’ coverage periodically and at the client’s request. Policyholders also can view their accounts online on the website.
Integon also provides a Learning Center online as National General for its policyholders. Within the Learning Center, insurance terminology is explained, as well as factors that affect your premium and how to find adequate coverages for your needs. The company also provides information regarding insurance fraud.
You can find safety tips on the website, tips for teen drivers, elderly drivers, and ways for business owners to protect themselves against risk. The site even provides a test you can take to check your driving knowledge.
What are the Integon auto insurance ratings and reviews?
Is National General, and by association Integon auto insurance, a good company for consumers? Cheap rates are great, but if agents are unresponsive during the claim filing process or if a company is not financially reliable, you’d be better off looking elsewhere for coverages.
Fortunately, National General is currently rated an A- by A.M. Best and is considered to be a financially stable company. National General is a good company that will be able to close out any claims, even during an economic downturn. The same goes for its subsidiary, Integon General insurance company.
Customer service reviews are poor to decent when compared to other insurance providers. According to the National Association of Insurance Commissioners (NAIC) complaint index, National General is worse than average, with a rating of 6.4.
However, the Better Business Bureau gives National General an A+ rating and accreditation. Out of 5 stars, the consumer ranking is a 2.98, and 190 complaints have been closed in the past 12 months.
These numbers are fairly good for an auto insurance provider. Overall, the Integon national insurance company rating is pretty good.
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What are the Integon auto insurance company careers?
Job openings for National General can be found on the website. Resumes for job openings can also be submitted online.
Here’s a short description of the job types that may be available at Integon National General.
| Job Type | Description |
|---|---|
| Entry Level | The foot in the door that prepares an entry-level employee for more responsibilities as they grow within National General. |
| Professional | Working professionals work in-depth as National General develops more strategies and acquires more policyholders. |
| Internship | Interns learn practical tools of finance, sales, and other working experiences that will prepare them for the next step. |
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Each position comes with a specific responsibility, which you can learn over time. Perhaps you’d like to become an independent agent for Integon auto insurance policies. Use each opportunity as a stepping stone to the next stage.
Integon Auto Insurance: What’s the Bottom Line
Integon National Insurance reviews your risks like any other company, but you won’t get much information until you contact them for an auto insurance quote.
Is National General Insurance the same as The General? No. The General is a standalone company that doesn’t have any connection to National General. Try comparing rates when you get a chance.
You can find competitive rates from the best auto insurance companies easily right now. The best method for finding affordable auto insurance is to use our comparison tool to compare rates in your area.
Before purchasing your Integon auto insurance policy, enter your ZIP code into our FREE quote tool below to compare auto insurance quotes from multiple different providers near you.
Very hard to deal with when an Integon client has an accident and is at fault.
Adjustor and supervisor from my experience do not react in a timely manner even though they had accepted liability for the accident. They do not return phone calls and messages left. It has been 2+ weeks and still not resolved.
Yes, a ck was sent to us for partial claim and after the fact, we finally catch up w/ the adjuster thru no effort on his part and, he is not doing what we were told they would do when the claim was called in. If anyone higher up in the corporation would contact me, I would be glad to go over our 3 pages of notes from the inner actions w/ the Charlotte office adjuster we dealt with.
Someone higher up needs to know of the poor customer service and the way that the adjuster treats the people that he comes in contact with. Hopefully, someone else will contact me before I am forced to take other options.
Again, to reinforce, you have accepted liability, all we want is for you to do what we were told by your agent that you would do.
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No stars!
Their adjusters are slow and don’t care about anything.
Three weeks went by on my claim before I had to do their job by calling someone over their head, then all of a sudden, they called me back.
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They hate to pay people when they get involved in an accident that’s not your fault worst insurance company ever!!!! WAS INVOLVED IN AN ACCIDENT AND HAVEN’T HEARD ANYTHING FROM THEM YET…I WILL BE GETTING A LAWYER.
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A client from Integron ran a stop sign last Thursday. Totalled my son’s car. Integron gave my a claim number and said I would be contacted by an adjuster. The next day a lady called and. Her number one priority was to move my car cause my body shop was charging 30 per day.
5 days later she wants a statement from my son to verify the SC Highway Trooper accident report. The report is very clear. She finally offered a rental car. She says they will pay 75% of book value per state law to replace my son’s classic car worth over $4,000.
My son was advised to use a claim number from them when he gets checked by a doctor. She says we will be liable for doctor bills unless we contact another entity of Integron to fill out paperwork before he gets treatment?
This insurance company is about to rob me and apparently they do this so often they think the victims that lost due to no fault of their own should be satisfied with their greed.
You better hope one of their clients don’t crash into you.
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One of the worst insurance companies I have ever dealt with. They’ve been giving me the runaround.
I sent them info two months ago and they have not done anything about it. I spent one hour going to get a registered letter only to find out it is a copy of a denial they sent by regular mail a month ago. They didn’t even change the date that shows they don’t even look into your claim. It will take time but I will get what is owed to me. They didn’t even look at the repair bill before they denied me. Adjusters established which was way off on the low side.
Stay away from anyone that has this coverage you won’t be happy if they hit you.
Sorry, sorry, sorry. Over 1 month since one of their clients totaled my car. No rental available. No settlement. No one will answer their phone and no one will return a call. It’s companies like this that plant a seed for lawyers to grow on. Absolutely the most frustrating experience with an insurance company in over 35 years. I hope they settle with me and then go out of business.
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My car was deemed a total loss on December 17, 2015, and my claim has been passed around to 5 different representatives since that date. The total loss claims representative contacted me on December 24, 2015, to inform that the car was deemed a total loss and send power of attorney forms to transfer the title of the car to the insurance company. The total loss claims representative seems to be the one holding all information as any other representative I contact “does not have any further information about the claim.”
The lienholder was not made aware of the loss of the car until January 6, 2016, by a different representative, at which time the lienholder informed me and the insurance company that the car was to be paid in full by January 16, 2016, or invoke interest on the payoff amount. I was not informed that I was responsible for the payoff amount but instead asked to hang up the phone and would be called back “with more information in a timely fashion.”
I have not been contacted by anyone from the insurance company since that date as of today, January 16, 2016. The total loss claims representative has failed to contact me about the status of the claim in over two weeks (since Jan 4, 2016) and contact on that date was also initiated by me. I have attempted to contact the claims representative 8 times in two weeks, leaving 3 voicemails, with no response.
Yesterday (January 15, 2016) I had a loan payment taken out on the lost car, even though the title is in the insurance company’s name (January 5, 2016) and I haven’t had possession of the car since December 30, 2015. The lienholder has also not been paid by the insurance company as the original loan amount has not been adjusted after the insurance company and I spoke to the lienholder on January 6.
It has been exactly one month since the loss date and the only thing that has been resolved is that the car was deemed a total loss.
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One of their insurers rear ended my car and the adjuster is refusing to pay for my injuries because she states there was not enough damage. I am the one that was jolted in the car when he hit me from behind. Then they send an adjuster that gives a low ball estimate so that they can have a reason to say they are not going to pay but I am the one suffering with pain.
I have detained a lawyer and they will be paying my medical bills and for the pain and suffering that they have caused me.
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My son was side swiped by someone that left the scene. The State trooper tracked the perpetrator down, and the guy has Integon as his insurance carrier. The car is a total loss. It has been three months since the accident and we have heard nothing from the claims department. Cynthia Castellanos is the name of the woman working there. She no longer picks up her phone when I call. I have been calling every two weeks. I get some lame excuse every time.
I am filing a complaint with the Department of Insurance. sending a letter, and gearing up for small claims court.
This company will not make things right. If I end up suing the gentleman who is their client, I would hate to be that man.
In fact, this Castellanos lady said that I would have to go after him in small claims court to get the money to repair or replace my car. She just threw him to the dogs.
This is a bad deal for everyone.
Review
If you don’t contact me and make things right, Cynthia Castellanos, re: claim 2206880,
Things will be getting heated. I have been civil. I need a car, I am without a car for 3 months already. Please send me the name and contact information of the supervisor of Cynthia Castellanos.
Below is a copy of the letter I am mailing this week.
April 13, 2016
National General Insurance
P.O. Box 3199
Winston-Salem NC 27102-3199
RE: Integon Insurance Claim 2206880
Date of Loss: January 20, 2016
To whom it may concern,
I have been unable to reach the handling adjuster, Cynthia Castellanos for the above-referenced claim. I have been without transportation since my vehicle was hit by Kenneth Ray Wivell who fled the scene and was later identified by the California Highway Patrol who made the police report.
It is my understanding that your company as accepted liability for this accident but to date, I have not been made a settlement offer for my vehicle which is a total loss.
Please consider this my formal demand for loss of use in the amount of $25/day for each day that I have been without my car. To date, this amount is $2,100 plus the value of the total loss of my vehicle.
I would appreciate return call to resolve this claim.
Sincerely,
Lisa Delacy
P.O. Box 1077
Columbia, CA 95310
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Been 10 day still no call back this place is a JOKE!!!!
we have no car, no help from them at all.
would not recommend them to my worst enemy.
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8/19/16 A customer, drunk driver, miss his turn, ran over stop sign and came into our yard and totaled our 2006 VW. Two days no word from insurance company. I called and the accident hasn’t been reported (Friday). Monday, a gentleman showed up to estimate the damages. Said they’d call in two days, no word. I called and they gave me another number to call.
Ok, here we go, they had to wait on another person to say if it was a totaled or not, front end smashed in, wow. They never called back, oh yes, they also didn’t give me a rental car to drive either and still don’t and its been 3 weeks. Called again, you know they want calls, need information for car pay off, gave them the same information we got from bank.
Found us another car, well the bank wants to give us the loan until the insurance company sends them or fax a letter what the insurance is giving for the car. Called the insurance company and they said they had got in touch with the underwriter , bank says they haven’t.
Three weeks, no car, no rental, no payoff, and still nothing. What a shame people have o put up with ignorance like this. Hope something son will break, I’m tired of this. I’m 70 years old and to be treated like this.
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Review
You are the worst insurance company I ever dealt with.
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Integon insurance does in fact surcharge for infractions that just aren’t true, anyone having difficulty with this company should file a complaint with the insurance commission.
I'm still waiting for the insurance company to quit slow playing me on my 1993 GMC serria 3500 extended cab duelly
I’m starting to get pissed off at the claims adjuster at National General. It’s been 3 weeks, and they don’t want to settle with me over the loss of my vehicle. I need my vehicle to get back and forth to the V.A. hospital in Los Angeles, California.
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Shady business.
My vehicle was parked in walmart parking lot, when one of their members hit mine, and 2 other vehicles. My insurance had an adjuster examine the damage, and estimate was $2600. My insurance told me that Integon accepted 100 % of the liability. However after numerous calls and messages, no one ever responded back to me
They never sent an adjuster, and never paid me the $2600, they said they accepted for damages. This was in July of this year. These people are shady, and should not be in business. Any kind of business. Have tried recently to contact them, and still cannot get a response.
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Absolutely the Worst
Less than 0 stars. This company fights tooth-and-nai,l even when their insured is the cause of the accident. Their driver ran a red light, at about double the speed limit and collided with my car. Removed the entire front of the car (lucky I’m still alive). Their driver received a ticket, pled guilty to the ticket, multiple witnesses gave statements that their driver ran the light at high speed. They denied my claim, stating that I should have blown my horn when I entered the intersection. (I was going about 5 mph entering the intersection from a stop, their driver was going about 70 mph.) The anti-collision system on my car did not have time to react, never mind me blowing the horn as it took only a fraction of a second from the time I entered the intersection to the accident. They forced the settlement to go to arbitration. They lost in arbitration and then fought against paying for diminished value. They draw out the process, trying to wear you out, but don’t give in and you too can get a just settlement….it just takes time and energy.
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