Auto-Owners vs National General Car Insurance for 2023

Are you on the hunt for the perfect car insurance company? With so many options to choose from, it can be challenging to decide which one to go with.

In this article, we’ll be diving deep into two popular insurance providers: Auto-Owners car insurance and National General car insurance.

• Auto-Owners has been named the top-rated car insurance company by JD Power for nine consecutive years.
• National General offers specialty insurance for high-risk drivers, including those with DUIs and poor driving records.
• Both companies have mobile apps that allow customers to access their policy information, pay bills, and file claims on the go.

We’ll explore each company’s history, products, services, discounts, and customer reviews, giving you all the information you need to make an informed decision.

History and Mission

Auto-Owners Insurance was founded in 1916 by Vern V. Moulton in Michigan. The company is now headquartered in Lansing, Michigan, and offers a range of insurance products, including car, home, life, and business insurance. Auto-Owners’ mission is to provide exceptional customer service and build long-lasting relationships with their policyholders.

National General Insurance was founded in 1920 in Winston-Salem, North Carolina. The company offers a range of insurance products, including car, home, and health insurance. National General’s mission is to provide affordable insurance options for all types of drivers, including high-risk drivers.

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Coverage Options Available

Let’s dive deeper into the products and services offered by Auto-Owners and National General.

Auto-Owners offers a range of standard car insurance coverage options, including liability, collision, and comprehensive coverage. Liability coverage helps cover the costs of damage and injury to other drivers and their vehicles if you’re at fault in an accident.

In addition to these standard coverage options, Auto-Owners also offers a range of additional coverage options, including:

• Roadside assistance: Provides 24/7 roadside assistance for services such as tire changes, jump-starts, and towing.
• Rental car reimbursement: Covers the cost of a rental car while your vehicle is being repaired after an accident.
• Loan/lease gap coverage: Helps cover the difference between the actual cash value of your car and the amount you owe on your loan or lease if your car is totaled in an accident.
• Personal injury protection: Helps cover medical expenses for you and your passengers if you’re injured in an accident, regardless of who’s at fault.

National General also offers a range of standard car insurance coverage options, including liability, collision, and comprehensive coverage.

In addition to these standard and specialty coverage options, National General also offers a range of additional coverage options, including:

• Roadside assistance: Provides 24/7 roadside assistance for services such as tire changes, jump-starts, and towing.
• Rental car reimbursement: Covers the cost of a rental car while your vehicle is being repaired after an accident.
• Mechanical breakdown coverage: Helps cover the cost of repairs to your vehicle that are not covered by your standard car insurance policy.

Their health insurance products include short-term health insurance plans and accident insurance policies.

Cost of Coverage

The cost of car insurance can vary depending on a number of factors, including your age, driving history, location, and the type of car you drive. While I cannot provide specific quotes for either company, I can give you some general information about their pricing.

It’s worth noting that while pricing is an important factor to consider when choosing a car insurance provider, it’s not the only factor. It’s also important to consider the quality of customer service, the range of coverage options available, and the overall reputation of the company when making a decision.

It’s a good idea to shop around and compare quotes from multiple providers to find the best coverage and pricing for your specific needs.

Discounts Available

Both Auto-Owners and National General offer a number of discounts to help their customers save money on their car insurance premiums. Here’s a breakdown of some of the discounts offered by each company:

Auto-Owners Discounts:

• Multi-Policy Discount: Customers who have multiple policies with Auto-Owners (such as car and home insurance) may qualify for a discount on their premiums.
• Safe Driver Discount: Customers who have a clean driving record and haven’t had any accidents or violations in a certain period of time may qualify for a discount.
• Good Student Discount: Students who maintain a certain GPA and meet other eligibility requirements may qualify for a discount.
• Paid-in-Full Discount: Customers who pay their premiums in full for the year may qualify for a discount.
• Anti-Theft Device Discount: Customers who have anti-theft devices installed in their vehicles may qualify for a discount.
• Safety Feature Discount: Customers whose vehicles have certain safety features (such as airbags, anti-lock brakes, and traction control) may qualify for a discount.

National General Discounts:

• Safe Driver Discount: Customers who have a clean driving record and haven’t had any accidents or violations in a certain period of time may qualify for a discount.
• Multi-Vehicle Discount: Customers who insure multiple vehicles with National General may qualify for a discount on their premiums.
• Anti-Theft Device Discount: Customers who have anti-theft devices installed in their vehicles may qualify for a discount.
• Low Mileage Discount: Customers who drive fewer miles than average may qualify for a discount.
• Good Student Discount: Students who maintain a certain GPA and meet other eligibility requirements may qualify for a discount.
• Paid-in-Full Discount: Customers who pay their premiums in full for the year may qualify for a discount.

It’s important to note that not all discounts may be available in all states or for all types of policies.

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Customer Reviews

Customer reviews can provide valuable insight into the quality of service provided by car insurance companies. Here’s a breakdown of the customer reviews for both Auto-Owners and National General:

Auto-Owners has a strong reputation for customer service and is consistently rated highly by customers. In J.D. Power’s 2021 U.S. Auto Insurance Study, Auto-Owners received the highest overall satisfaction score among auto insurers in the Central region, and ranked second highest in the Midwest region. The company also received an A+ rating from the Better Business Bureau.

National General has a mixed reputation among customers, with some praising the company for their affordable rates and others criticizing their customer service. In J.D. Power’s 2021 U.S. Auto Insurance Study, National General received below-average ratings in both the Central and Southeast regions. The company also received an A- rating from the Better Business Bureau.

However, they can provide helpful insights into common issues and trends that may be worth considering when choosing a car insurance provider.

In Summary: Auto-Owners vs National General

In conclusion, both Auto-Owners and National General have their strengths and weaknesses as car insurance providers. Auto-Owners has a strong reputation for customer service and is consistently rated highly by customers, while National General has more mixed reviews and is often praised for their affordability but criticized for their customer service.

Regardless of which provider you choose, it’s important to do your research and compare quotes from multiple companies to ensure that you’re getting the best possible coverage at a price that fits your budget.

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