Home State vs National General Car Insurance for 2023
Which One is Right for You? Comparing Home State vs National General Car Insurance for Your Car Coverage Needs
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Apr 9, 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: Apr 9, 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
In this article, we will compare Home State car insurance and National General car insurance, two of the most popular car insurance companies in the market. Choosing the right car insurance company is crucial, as it can save you money and provide peace of mind.
By comparing these two companies, we hope to provide you with the information you need to make an informed decision. Keep reading to learn more about the history, products, services, discounts, and customer reviews of Home State and National General Car Insurance.
Company History and Mission
Home State Insurance Company was founded in 1948 in Jefferson City, Missouri. Its mission is to provide affordable and reliable insurance products to its customers. Home State Insurance Company is a subsidiary of Shelter Insurance Companies, which is rated A+ by A.M. Best for financial stability.
National General Car Insurance, formerly known as GMAC Insurance, was founded in 1920. The company’s mission is to provide innovative and affordable insurance products and services to its customers. National General Car Insurance is rated A- by A.M. Best for financial stability.
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Products and Services
Home State Insurance Company offers a variety of car insurance products, including liability, collision, and comprehensive coverage. They also offer rental car reimbursement, roadside assistance, and gap coverage. Home State Insurance Company’s rates are competitive, and they offer discounts for good driving habits, multiple cars, and safe vehicles. Home State Insurance Company operates in 18 states, including Arizona, Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Tennessee, Texas, and Wisconsin.
National General Car Insurance offers a variety of car insurance products, including liability, collision, and comprehensive coverage. They also offer rental car reimbursement, roadside assistance, and gap coverage. National General Car Insurance’s rates are competitive, and they offer discounts for good driving habits, multiple cars, and safe vehicles. National General Car Insurance operates in all 50 states.
Cost of Coverage
Home State Insurance Company’s rates vary depending on the state, coverage type, and other factors such as driving record and age. However, Home State Insurance Company’s rates are generally lower than the industry average. According to ValuePenguin, the average cost of car insurance in the United States is $1,674 per year. Home State Insurance Company’s rates are lower than this average in most states.
National General Car Insurance’s rates also vary depending on the state, coverage type, and other factors. However, National General Car Insurance’s rates are generally higher than the industry average. According to ValuePenguin, National General Car Insurance’s rates are higher than the average cost of car insurance in the United States.
Discounts Available for Customers
Home State Insurance Company offers several discounts, including:
Good driving habits: policyholders who have a clean driving record for three
or more years can qualify for a safe driver discount.
- Multiple cars: policyholders who insure more than one car with Home State Insurance Company can qualify for a multi-car discount.
- Safe vehicles: policyholders who drive vehicles with certain safety features can qualify for a vehicle safety discount.
- Good grades: policyholders who have a GPA of 3.0 or higher can qualify for a good student discount.
- Homeowners: policyholders who also own a home can qualify for a homeowners discount.
National General Car Insurance offers several discounts, including:
- Good driving habits: policyholders who have a clean driving record for three or more years can qualify for a safe driver discount.
- Multiple cars: policyholders who insure more than one car with National General Car Insurance can qualify for a multi-car discount.
- Safe vehicles: policyholders who drive vehicles with certain safety features can qualify for a vehicle safety discount.
- Affiliation: policyholders who belong to certain organizations or groups can qualify for an affiliation discount.
- Homeowners: policyholders who also own a home can qualify for a homeowners discount.
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Customer Reviews
Home State Insurance Company has mixed customer reviews. According to J.D. Power’s 2021 U.S. Auto Insurance Study, Home State Insurance Company received an overall satisfaction rating of 851 out of 1,000. This rating is slightly above the industry average of 837. However, Home State Insurance Company received a below-average rating in the claims handling category.
National General Car Insurance has mixed customer reviews as well. According to J.D. Power’s 2021 U.S. Auto Insurance Study, National General Car Insurance received an overall satisfaction rating of 821 out of 1,000. This rating is below the industry average of 837. National General Car Insurance received below-average ratings in the pricing, policy offerings, and claims handling categories.
FAQs
Q: How do I file a claim with Home State Insurance Company?
A: You can file a claim with Home State Insurance Company by calling their claims department at 1-800-SHELTER (1-800-743-5837) or by using their online claims center.
Q: How do I file a claim with National General Car Insurance?
A: You can file a claim with National General Car Insurance by calling their claims department at 1-800-325-1088 or by using their online claims center.
Q: Does Home State Insurance Company offer roadside assistance?
A: Yes, Home State Insurance Company offers roadside assistance as part of their car insurance policies.
Q: Does National General Car Insurance offer rental car reimbursement?
A: Yes, National General Car Insurance offers rental car reimbursement as part of their car insurance policies.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
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.