NGM Auto Insurance Review (2024)

What You Should Know About NGM Insurance Company

NGM Insurance Company, a key entity within the Main Street America Group, operates from its headquarters in Jacksonville, Florida. It has carved a niche in the national insurance landscape by offering an array of products, including auto, homeowners, and life insurance.

Founded as part of a larger initiative to provide quality insurance solutions accessible to a broad demographic, NGM stands out for its commitment to personalized service and community-focused business practices.

The company prides itself on its ability to tailor insurance products to meet the unique needs of its customers, reflecting its deep understanding of the diverse insurance landscape across the states it serves.

NGM Insurance Company Reviews and Satisfaction

Feedback from NGM Insurance customers paints a picture of a company with a dual reputation. On the positive side, many policyholders appreciate the competitive pricing and comprehensive coverage options that NGM provides.

However, some reviews indicate areas needing improvement, particularly in claims service and customer support responsiveness.

These mixed reviews suggest that while NGM excels in affordability and product offerings, there is potential for enhancing the customer service experience to elevate overall satisfaction rates among its users.

In terms of insurance company reviews, this scenario is not unusual. It’s quite often that unhappy customers are more inclined to write reviews, thereby resulting in lower ratings in the customer service department.

NGM has an A+ rating with the Better Business Bureau and the NGM Insurance A.M. Best rating is an A+ based on issuer credit rating and an A based on its financial strength rating. A.M. Best also sees NGM as having a stable outlook.

What’s the Auto Insurance History of NGM Insurance?

National Grange Mutual is the primary insurance carrier of the Main Street Insurance Group, which consists of eight companies:

• NGM Insurance Company
• Old Dominion Car Insurance Company
• Grain Dealers Mutual Insurance Company
• Main Street America Protection Insurance Company
• Main Street America Assurance Company
• NSA Insurance Company
• Austin Mutual Insurance Company
• Spring Valley Mutual Insurance Company

Main Street Insurance Group was founded in 1923 and offers coverage in 37 states. The group also offers surety and fidelity bonds in 47 states and the District of Columbia.

Together, these companies provide a wide variety of affordable insurance lines including auto, home, life, excess liability, and specialty products.

Their client list includes not only individual consumers at the retail level, but also small businesses, sole proprietors, and not-for-profit organizations.

Their leadership includes NGM Insurance Company asset management ARM (Associate in Risk Management) trained experts.

How is NGM Insurance’s online presence?

National Grange Mutual Insurance does provide its customers with a website where they can find a local agent, make a payment, file a claim, and do a variety of other insurance-related tasks.

The site allows you to find a variety of contact information, such as the NGM Insurance Company’s Keene, NH fax number, for example.

Online payments through the company website can be made using the Main Street America (MSA) group bill matrix by means of electronic funds transfer (EFT).

You can also use the NGM website to request an ID card, a certificate of insurance, or a policy change. NGM insurance’s covid information for those affected by the Covid-19 pandemic is also available online.

NGM Insurance Company Insurance Coverage Options

NGM Insurance offers a comprehensive suite of auto insurance options designed to meet the varying needs of drivers. This includes standard coverage such as liability, collision, and comprehensive insurance, which are foundational to protecting drivers against financial losses in accidents or vehicle damage.

Unique to NGM is the Auto Elite Endorsement, an enhanced coverage option that provides additional benefits such as accident forgiveness and decreased deductibles over time. This endorsement reflects NGM’s commitment to offering products that go beyond basic needs, providing extra value and protection to policyholders.

One thing you’ll need to decide before purchasing your auto insurance policy is how much coverage you need. Most states have a minimum liability coverage requirement and you’ll need to fulfill this requirement at the very least to drive legally.

If you decide that you need more than the minimum coverage required by your state, there are a number of different options available to you as additional coverage.

The table below shows some of the different types of policies and coverages available to you, along with what they do.

Always check with your insurance company to see what add-ons, endorsements, and riders are available to you, and make sure to take into account price and need when adding these things to your insurance policy.

NGM Insurance Company Insurance Rates Breakdown

There are often many benefits to choosing an insurance agent in your area for your insurance needs.

For one, these agents often act as brokers, meaning that they have more leeway when it comes to working with various insurance companies to customize a policy that’s right for you.

Smaller companies are often more personalized when it comes to customer service as well.

The auto insurance market is very competitive and reputation is one thing that smaller companies can leverage to their advantage since they’re able to provide service on a more personal level.

You can take a look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy. The table shows average annual rates based on coverage levels.

It’s important to keep in mind that these are just general estimates. Your actual rates will depend on a variety of factors, such as age, driving history, ZIP code, etc.

What is NGM Insurance Company’s availability by state?

National Grange Mutual is part of the Main Street Insurance Group and offers coverage in 37 states with notable presences in Arizona and Massachusetts among others.

Each region has tailored services to meet local legal requirements and consumer needs, ensuring that coverage and customer service are optimized for local policyholder populations.

NGM utilizes a network of local, independent agents who understand their communities’ needs, offering a personalized touch often missing from larger, more impersonal providers.. The group also offers surety and fidelity bonds in 47 states and the District of Columbia.

If you’re looking for an independent agent, they operate through six different regions: Northeast, New England, Mid-Atlantic, West, Southwest, and Southeast.

NGM and Main Street America prefer to utilize local, independent agents rather than corporate agents.

They do so because independent agents have the freedom to represent seven or eight different auto insurance carriers, giving them the flexibility to match the right insurance policy with each individual customer.

The company also believes in the value of personal, one-on-one relationships with agents, believing that they better facilitate the insurance process.

On the Main Street America website, the company provides a “find an agent” link. The link redirects your browser to a standard search page that allows you to find a local auto insurance agent based on your address.

For more information about these additional offices, you’re encouraged to contact the corporate headquarters using the information listed above. The NGM auto insurance phone number is 1-800-468-3466.

NGM Insurance Company Discounts Available

Generally, your discount options through your auto insurance company depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.

As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for, as they can save you a lot of money on your auto insurance. NGM offers the following discounts:

NGM also offers discounts for bundling your insurance policies.

Claims Processing and Support

NGM Insurance streamlines the claims process to ensure efficiency and ease for its policyholders. Customers can initiate claims through multiple channels, including a direct call to the NGM Insurance claims phone number or via an online platform, if available. The company promises prompt service and has invested in training its claims representatives to handle inquiries competently and compassionately.

Feedback suggests that while most claims are processed efficiently, enhancements in communication during the process could improve customer satisfaction significantly.

Financial Strength and Stability

With an A rating from A.M. Best, NGM Insurance is recognized for its financial stability and robust management practices. This rating is indicative of the company’s strong ability to meet its ongoing insurance obligations. The financial health of NGM is supported by solid asset management strategies and a consistent track record of financial performance, which reassures policyholders of the company’s reliability and longevity in the insurance market.