NGM Auto Insurance

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Company Details
Address:

4601 Touchton Road East, Suite 3400

City:
Jacksonville
State:
FL
ZIP Code:
32246
Phone Number:
(877) 425-2467
Year Founded
1923
AM Best Rating:
A
Company Rating 2 (8 reviews)

Things to Remember...
  • NGM Insurance Company is  headquartered in Jacksonville, Florida and provides insurance services throughout the country
  • NGM’s business is divided into six different regions: Northeast, New England, Mid-Atlantic, West, Southwest, and the South East
  • NGM and Main Street America prefer to utilize local, independent agents rather than corporate agents

NGM Insurance Company is part of the Main Street America Group of insurance companies, and the topic of this auto insurance review.

NGM is headquartered in Jacksonville, Florida and provides insurance services throughout the country.

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NGM Locations

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NGM’s business is divided into six different regions: Northeast, New England, Mid-Atlantic, West, Southwest, and the South East. NGM is the main insurance carrier in a group consisting of six companies.

The six companies that make up Main Street America Group are:

Together they provide a wide variety of insurance lines including types of 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.

The Main Street America group also provides surety bond services in more than 40 states. The company writes more than $800 million in policies annually.

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NGM Auto Insurance Company Locations

In addition to their Jacksonville headquarters, the NGM Insurance Company maintains a handful of regional offices in the eastern portion of the country.

Those offices are located in New York, New Hampshire, Indiana, and Virginia. Additional offices are also available for the other five member companies in the group.

For more information about these additional offices, you are encouraged to contact the corporate headquarters using the information listed above.

NGM Auto Insurance Company Agents

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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 which allows you to find a local auto insurance agent based on your address.

NGM and Main Street America have licensed, professional agents in a network that spans 26 states. The search engine allows customers to view up to 15 agencies within 10 or 20 miles of their zip code.

As long as you live within a reasonable distance of a metropolitan area and one of the states they cover, you should be able to find a local agency.

NGM Auto Insurance Claims

One of the reasons and NGM utilizes independent agents is the fact that those agents can assist individual customers with auto insurance claims.

Officially, the company has no preference as to whether you contact them directly or go through your agent.

The local agent will be cognizant of any local circumstances or conditions that may effect on your claim. Furthermore, the one-on-one relationship customers develop with their agents gives them a little peace of mind when having to start the claims process.

Another option is to report your claim online. Main Street America provides a link on their website to begin the online process.

At the top of the page is a suggestion to call your local agent if at all possible, but if not they will accept the online form.

There are different instructions depending on the type of claim you are filing so be sure to follow them specifically. Ultimately, you will be contacted by an NGM representative or your local agent.

NGM Auto Insurance Reviews

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Customer reviews for NGM are scant, probably because they are a regional carrier that doesn’t get a lot of national attention. But, among the reviews we were able to find, the company scored an average of two out of five.

The cost of policies and the coverage they offered tended to get higher marks, while claims service and overall customer service tended to receive lower marks.

In terms of insurance company reviews, this scenario is not unusual. It’s quite often the unhappy customer who is more willing to write a review, thereby resulting in lower ratings in the customer service department.

NGM’s  rating with the Better Business Bureau of Florida is only an A+.

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