AAA vs National General Car Insurance for 2023
In comparing AAA and National General Car Insurance, AAA's lower rates for clean records contrast with National General's competitive pricing for drivers with less favorable histories, revealing distinctive advantages in this comprehensive analysis.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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
| Factor | AAA | National General |
|---|---|---|
| Clean Record | $86 | $161 |
| 1+ Ticket | $108 | $212 |
| 1+ Accident | $133 | $266 |
| DUI | $148 | $434 |
| Poor Credit | $148 | $277 |
| Discount | AAA | National General |
|---|---|---|
| Safe Driver | 10% | 15% |
| Low Mileage | 15% | 12% |
| Anti Theft | 8% | 5% |
| Paperless | 5% | 10% |
| Senior Driver | 20% | 15% |
| Good Student | 10% | 8% |
AAA Car Insurance
Pros:
- Established Reputation: With a history dating back to 1902, AAA has a long-standing reputation and a strong presence across the United States. It’s known for its reliability and commitment to providing peace of mind to drivers.
- Diverse Range of Products: AAA offers not only car insurance but a wide array of services, including home, renters, and life insurance, along with travel services and roadside assistance. This diversity can simplify your insurance and membership needs.
- Membership Benefits: AAA provides its members with exclusive benefits, including discounts on travel, entertainment, and shopping, which can lead to substantial savings.
Cons:
- Potential Claims Processing Delays: Some customers have reported delays in claims processing, which might result in longer waiting times for payouts after incidents.
- Cost Variability: The cost of AAA car insurance can vary depending on your location and other factors, potentially resulting in higher premiums in some areas.
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National General Car Insurance
Pros:
- Specialty Coverage: National General offers specialty policies for classic cars and RVs, catering to the needs of niche markets, which can be advantageous if you own such vehicles.
- Competitive Discounts: The company offers discounts for safe driving, multi-car policies, and more. These discounts can help reduce your overall premium costs.
- Accessibility: With a presence in all 50 states, the National General is accessible to drivers across the country, making it a convenient option.
Cons:
- Lower Customer Satisfaction: National General ranks below average in terms of overall customer satisfaction, as indicated by J.D. Power’s 2021 U.S. Auto Insurance Study.
- Potential Delays in Roadside Assistance: Some customers have reported challenges in receiving timely assistance during roadside emergencies, which may impact the company’s reliability in urgent situations.
Best Overall: AAA Car Insurance
When weighing the offerings of AAA Car Insurance and National General Car Insurance across various factors such as company history, coverage options, customer satisfaction, and accessibility, AAA emerges as the superior choice. Here’s a breakdown of the reasons why AAA Car Insurance emerges as the superior choice when compared to National General Car Insurance:
Established Reputation: AAA has a long-standing history dating back to 1902, fostering a solid reputation for reliability and commitment to drivers’ peace of mind.
Diverse Range of Products: AAA offers not just car insurance but a comprehensive suite of services, including home, renters, and life insurance, alongside travel services and roadside assistance, catering to various needs in one place.
Membership Benefits: Exclusive benefits and substantial discounts for members across travel, entertainment, and shopping translate to significant savings and additional value beyond insurance coverage.
Above-Average Customer Satisfaction: AAA ranks above average in terms of overall customer satisfaction according to J.D. Power’s 2021 U.S. Auto Insurance Study, indicating a higher level of contentment among its policyholders.
Reliability: Despite potential concerns about claims processing delays, AAA’s consistent commitment to delivering comprehensive services and reliable coverage overshadows these drawbacks.
Nationwide Presence: With a presence in all 50 states, AAA ensures accessibility and availability for drivers across the country.
Comprehensive Coverage: While National General offers specialty coverage for niche markets, AAA covers a broad spectrum of insurance needs, making it a more versatile option for most drivers.
Considering these factors collectively, AAA Car Insurance stands out as the best choice due to its established reputation, diverse offerings, membership benefits, higher customer satisfaction, and reliability in providing comprehensive coverage across the nation.
Company History and Mission
AAA was founded in 1902 as a membership organization focused on providing roadside assistance to drivers. Today, they offer a range of services to members, including car insurance. Their mission is to provide peace of mind to drivers by offering high-quality coverage at a fair price.
National General, on the other hand, was founded in 1920 as a company focused on providing insurance to customers with hard-to-place risks. Today, they offer a range of insurance products, including car insurance, to customers across the country. Their mission is to help drivers find the right coverage to meet their needs and budget.
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Products and Services
AAA offers a range of car insurance options, including liability coverage, collision coverage, and comprehensive coverage. They also offer optional add-ons like rental car coverage and roadside assistance. In addition, AAA offers a variety of discounts to help customers save money on their premiums.
National General offers similar coverage options, including liability, collision, and comprehensive coverage. They also offer specialty policies for classic cars, RVs, and more. National General customers can take advantage of discounts for things like safe driving, multi-car policies, and more.
Cost of Services and Availability
The cost of car insurance varies depending on a variety of factors, including the type of coverage you choose, your driving history, and the state where you live. AAA offers car insurance in all 50 states, with rates that vary depending on your location and other factors. National General also offers car insurance in all 50 states, with rates that are similarly dependent on a variety of factors.
Discounts
Both AAA and National General offer a range of discounts to help customers save money on their car insurance premiums. AAA offers discounts for things like good driving, multiple cars, and safety features like anti-lock brakes and airbags. National General offers similar discounts, as well as discounts for things like paying your premiums in full and having a good credit score.
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Case Studies: AAA vs National General Car Insurance
Case Study 1: John’s Coverage Dilemma
John, a cautious driver from California, is looking for comprehensive car insurance that offers a balance between coverage and affordability. He decides to compare AAA Car Insurance and National General Car Insurance to make an informed choice.
Case Study 2: Sarah’s Discount Quest
Sarah, a frequent traveler from Texas, wants to find a car insurance provider that offers substantial discounts for her safe driving habits and multiple vehicles. She compares AAA Car Insurance and National General Car Insurance to discover the best discounts available.
Case Study 3: Michael’s Customer Satisfaction Journey
Michael, a budget-conscious driver from New York, values excellent customer service and wants to ensure his insurance provider is reliable. He examines AAA Car Insurance and National General Car Insurance to evaluate their customer reviews and overall satisfaction ratings.
A Comparative Study: AAA vs. National General Insurance Claims Handling
Ease of Filing a Claim
Both AAA and National General offer convenient ways to file insurance claims. Customers can choose to file their claims online, over the phone, or through mobile apps. This flexibility ensures that policyholders can report incidents in a manner that suits their preferences and convenience.
Average Claim Processing Time
The speed at which insurance claims are processed can be crucial during stressful times. Both AAA and National General aim to streamline their claims processing to provide timely assistance to their customers. The average claim processing time may vary based on the complexity of the claim and the specific circumstances, but both companies strive to handle claims efficiently.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when assessing an insurance provider’s performance. Policyholders often share their experiences with the claim resolution process and the payouts received. In this section, we will explore customer reviews and feedback related to how AAA and National General handle claims, helping you gain insights into their claim satisfaction levels.
Comparing AAA and National General’s Digital and Technological Features
Mobile App Features and Functionality
In today’s digital age, insurance companies are enhancing their services through mobile apps. AAA and National General have developed mobile apps with various features and functionalities. We will delve into the capabilities of these apps, such as policy management, claims filing, and roadside assistance requests, to help you understand their user-friendliness and convenience.
Online Account Management Capabilities
Effective online account management is essential for policyholders who prefer to handle their insurance needs digitally. Both AAA and National General offer online account management platforms. We will explore the features of these platforms, including policy viewing, bill payment, and document access, to assess their usability and convenience.
Digital Tools and Resources
Digital tools and resources can assist policyholders in making informed decisions about their coverage and understanding their insurance policies better.
In this section, we will highlight the digital tools and resources provided by AAA and National General, such as insurance calculators, educational materials, and coverage customization options, to help you assess their commitment to customer empowerment through technology.
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Customer Reviews
Customer reviews can be a helpful tool when trying to decide between different car insurance companies. According to J.D. Power’s 2021 U.S. Auto Insurance Study, AAA ranks above average in terms of overall customer satisfaction. National General, on the other hand, ranks below average in overall customer satisfaction.
Frequently Asked Questions
How do I qualify for discounts on my car insurance premiums?
The specific qualifications for discounts vary depending on the insurance company and the type of discount. Generally, discounts are available for things like safe driving, multiple cars, and safety features like anti-lock brakes and airbags. Check with your insurance provider for specific details.
What types of coverage does National General offer?
National General offers a range of coverage options, including liability coverage, collision coverage, and comprehensive coverage. They also offer specialty policies for classic cars, RVs, and more.
How can I file a claim with AAA or National General?
Both AAA and National General offer online tools and resources to make it easy to file a claim. You can typically file a claim online or over the phone, depending on your preference.
How can I find out more about AAA or National General’s car insurance offerings?
You can visit the websites of both companies to learn more about their car insurance options. You can also call their customer service lines to speak with a representative who can help answer any questions you may have.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.