GMAC Auto Insurance Review (2024)
Looking for a GMAC auto insurance review? This company changed its name to National General Insurance in 2013. National General offers auto insurance with special discounts for GM owners and employees. National General claims drivers can save up to $442 annually by making the switch. There are over 11 different discounts available through National General Insurance. Scroll down to learn more about National General, formerly GMAC auto insurance. Before you buy auto insurance, compare quotes to get the best price.
Read moreDaniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Feb 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Feb 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
0 reviews
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
GMAC Insurance
Average Monthly Rate For Good Drivers
$83A.M. Best Rating:
A-Complaint Level:
LowPros
- National General, formerly known as GMAC Insurance, claims that customers save an average of $442 annually when they switch to this company
- The company also advertises a good student discount for teens who maintain a B average
- National General gives you the ability to file a claim online at your convenience
Cons
- National General Insurance does not directly offer products for classic cars
- GMAC Insurance changed its name to the National General Insurance company in 2013.
- National General Insurance offers several types of auto insurance, including bodily and property liability and uninsured motorist coverage.
- On the company website, National General claims drivers can save up to $442 by switching providers.
National General Insurance company, formerly GMAC Insurance, was founded in 1939 as Motors Insurance Corporation. Read through our comprehensive GMAC auto insurance review to learn if this company is a good fit for you and your needs.
National General Insurance offers various insurance products, services, and auto insurance discounts to eligible customers. In July 2020, Allstate agreed to acquire National General for $4 billion. It is now part of one of the biggest insurance companies in the country. Allstate is steadily gunning for the title of largest automobile insurer nationwide and ranks among the top five yearly.
What You Should Know About GMAC
National General allows you to file a 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. If you choose to call, a claims professional can walk you through the entire process.
National General Insurance headquarters are located in Winston-Salem, North Carolina. Their address is as follows:
P.O. Box 3199
Winston-Salem, NC 27102-3199
The National General phone number is 800-847-2886.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
GMAC Insurance Coverage Options
The company offers the following types of auto coverage options to its clients:
- Bodily Injury Liability Coverage: This type of policy 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 Coverage: This will cover damage your vehicle causes to someone else’s property as the result of an accident, where you are at fault.
- Comprehensive Coverage: This handles damage relating to anything that is not a collision. Examples include acts of Mother Nature.
- Collision Coverage: This handles damage relating to collisions, regardless of who is at fault. Examples include hitting another vehicle or hitting a tree or pole.
- Medical Payments Coverage (MedPay): This is for you and the people in your vehicle. It covers medical needs and the costs of a funeral after a car accident.
- Underinsured Motorist Coverage: This protects you if someone without insurance, or without adequate insurance, hurts you or damages your car.
- Personal Injury Protection (PIP): This 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.
As you can see, National General offers the five major types of auto coverage.
GMAC Insurance Rates Breakdown
National General, formerly known as GMAC Insurance, claims that customers save an average of $442 annually when they switch to this company.
According to the National Association of Insurance Commissioners, this company holds 1.24 percent of the personal auto insurance market share n the United States and Canada.
In the table below, you can view some average annual auto insurance rates from National General Insurance by driver age and gender. These rates are specifically for drivers who live in the state of West Virginia.
National General Average Annual Auto Insurance Rates by Gender and Age
| 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 |
As you can see, older drivers receive lower average rates from National General than younger drivers. This is not uncommon. Age is a major factor that many providers use when calculating your rates.
GMAC Discounts Available
National General offers consumers various discounts, offering you multiple ways to save. While specifics about how much you’ll save are not available online, the website does list 11 different discount options.
Look at the table below for discounts available through National General Insurance, formerly GMAC Insurance.
National General Auto Insurance Discounts
| Auto Insurance Discount Offered | How to Qualify for the Discount |
|---|---|
| Paid-in-full discount | Pay in full up front 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 | Receive a discount for certain anti-theft devices. |
| Auto pay discount | Switch to automatic payments to qualify. |
According to the website, more available discounts are not advertised. For example, on a separate page, the company also advertises a good student discount for teens who maintain a B average.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
How GMAC Ranks Among Providers
The best companies offer affordable rates as well as great customer service and a quick, efficient claims process.
Overall, National General, formerly GMAC Insurance, has received decent reviews and ratings. AM Best has given the company an A- financial strength rating and issuer credit rating.
This rating indicates that National General has an excellent ability to meet ongoing obligations. In other words, even in the event of an economic downturn, this company will still be able to pay out any claims you’ve filed.
The financial size is listed under category IX, which is defined as $250 Million to $500 Million. The outlook for National General is also considered stable under AM Best’s rating system.
Consumer reviews for this company are relatively high compared to other providers. The Better Business Bureau gives the company an A+ rating and accreditation, and the consumer ranking is 2.98 out of 5 stars.
In the past 12 months, 190 complaints have been closed. These numbers are fairly good for an auto insurance provider.
Your Opinion Matters!
Rate your insurance provider and share insights with shoppers just like you.
Frequently Asked Questions
What is GMAC Auto Insurance?
GMAC Auto Insurance refers to the auto insurance coverage offered by GMAC Insurance, which is a subsidiary of the General Motors Acceptance Corporation (GMAC). GMAC Insurance provides insurance options for various types of vehicles, including cars, trucks, motorcycles, and recreational vehicles.
What types of auto insurance coverage does GMAC offer?
GMAC Auto Insurance offers a range of coverage options to meet the needs of drivers. These typically include liability coverage, which helps protect you financially if you are responsible for causing injuries or property damage in an accident. Additionally, GMAC may offer collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
Can I obtain a quote for GMAC Auto Insurance?
Yes, you can obtain a quote for GMAC Auto Insurance by visiting their official website or contacting their customer service. To receive an accurate quote, you will need to provide information about your vehicle, your driving history, and the coverage options you are interested in. GMAC will use this information to determine the cost of your insurance premiums.
Are there any discounts available with GMAC Auto Insurance?
GMAC Auto Insurance may offer various discounts to help policyholders save on their premiums. These discounts can include safe driver discounts, discounts for bundling multiple policies, discounts for having certain safety features in your vehicle, and discounts for being a loyal customer. The availability of discounts may vary based on your location and specific policy.
How do I file a claim with GMAC Auto Insurance?
If you need to file a claim with GMAC Auto Insurance, you can contact their claims department. They will guide you through the claims process, provide the necessary forms, and assist you in documenting the incident. It’s important to report the accident or incident as soon as possible and provide accurate information to ensure a smooth claims process.
Can I manage my GMAC Auto Insurance policy online?
Yes, GMAC Auto Insurance typically offers online policy management options. Through their website or mobile app, you can access your policy details, make premium payments, view and update your coverage, and manage other aspects of your policy. Online account management provides convenience and flexibility for policyholders.
Can I cancel my GMAC Auto Insurance policy?
Yes, you can cancel your GMAC Auto Insurance policy. The specific cancellation process and any associated fees or penalties may vary based on your policy terms. It’s advisable to review your policy documents or contact GMAC’s customer service to understand the cancellation procedures and any potential financial implications.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.