National General vs Progressive Car Insurance for 2024

When it comes to choosing car insurance, there are many factors to consider. Two popular options are National General and Progressive.

Both companies offer a range of services, but how do they compare? In this review, we will take a deep dive into National General car insurance vs. Progressive car insurance, examining their history, products and services, discounts, customer reviews, and more.

• National General has a unique focus on providing insurance for high-risk drivers, such as those with a history of accidents or DUIs.
• Progressive offers a “Snapshot” program that uses telematics technology to track driving behavior and potentially save customers money on their premiums.
• Both companies offer 24/7 claims support and a variety of discounts to help customers save on their car insurance.

By the end of this article, you will have a better understanding of which company might be right for you, and hopefully be one step closer to finding the best car insurance quote.

History and Mission

National General was founded in 1920 and is headquartered in Winston-Salem, North Carolina. The company’s mission is to provide affordable insurance to customers who may have difficulty obtaining coverage elsewhere. National General offers a range of products and services, including auto, home, and life insurance, and serves customers in all 50 states.

Progressive was founded in 1937 and is headquartered in Mayfield Village, Ohio. The company’s mission is to make car insurance accessible and easy to understand. In addition to auto insurance, Progressive offers home, renters, and life insurance, as well as other financial products. Progressive is available in all 50 states and has become well-known for its humorous advertising campaigns.

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Products and Services

National General offers a range of auto insurance products, including liability, collision, and comprehensive coverage. The company also offers specialty coverage for high-risk drivers, such as those with a history of accidents or DUIs. National General’s rates are generally competitive, although they may be higher for high-risk drivers.

Progressive offers a similar range of auto insurance products, including liability, collision, and comprehensive coverage. In addition, the company offers a unique program called Snapshot, which uses telematics technology to track driving behavior and potentially save customers money on their premiums. Customers can also customize their coverage with optional add-ons like roadside assistance and rental car coverage.

Cost and Availability

The cost of car insurance can vary widely depending on a variety of factors, including your age, driving record, location, and the type of coverage you need. Both National General and Progressive offer online quotes to help you get an estimate of what your coverage might cost.

National General’s rates are generally competitive, although they may be higher for high-risk drivers. The company’s services are available in all 50 states.

Progressive’s rates are also generally competitive, and the Snapshot program may help customers save even more money. The company’s services are also available in all 50 states.

Discounts Available

Both National General and Progressive offer a range of discounts to help customers save money on their car insurance. Here are some of the most common discounts offered by each company:

National General:

• Multi-policy discount
• Safe driver discount
• Anti-theft device discount
• Paid-in-full discount

Progressive:

• Multi-policy discount
• Safe driver discount
• Homeowner discount
• Good student discount

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Case Studies: National General vs. Progressive Car Insurance

Case Study 1: National General Insurance

John, a 35-year-old driver from California, chose National General Insurance for his luxury sedan. Despite positive reviews about their coverage and rates, John experienced a lengthy and cumbersome claims process when his car was in a minor accident. 

Despite the initial appeal of their offerings, John’s experience left him feeling dissatisfied with National General’s customer service.

Case Study 2: Progressive Car Insurance

Sarah, a 27-year-old driver from Texas, selected Progressive Car Insurance based on their reputation for exceptional customer service and innovative offerings. When Sarah’s car was stolen, she was relieved to find that Progressive responded swiftly and efficiently.

Their claims process was streamlined, and Sarah was provided with a rental car during the investigation. The overall experience with Progressive left Sarah impressed and reaffirmed her decision to choose them as her car insurance provider.

Case Study 3: National General Insurance

Mark, a 45-year-old driver from Florida, had been a loyal customer of National General Insurance for several years. He appreciated the company’s long-standing presence in the market and its specialized coverage options. However, when his vehicle was damaged in a natural disaster, Mark encountered difficulties in filing a claim with the National General.

The company’s response was slow, and their communication lacked transparency, leaving Mark frustrated with the overall claims experience.

Case Study 4: Progressive Car Insurance

Emily, a 29-year-old driver from New York, switched to Progressive Car Insurance after facing continuous premium increases with her previous insurer. She found Progressive’s rates to be competitive and appreciated the flexibility offered by their usage-based insurance program.

When Emily was involved in a minor collision, Progressive’s claims process was straightforward, and their representatives provided her with clear instructions and prompt updates. This positive experience reinforced Emily’s decision to choose Progressive as her car insurance provider.

Getting a Handle on the Claims Procedure at National General vs.Progressive Car Insurance

Ease of Filing a Claim

Filing a car insurance claim can be a critical moment for policyholders. National General and Progressive both offer multiple avenues for filing claims, including online, over the phone, and through mobile apps. National General provides a straightforward online platform for claims submission and offers a mobile app for reporting accidents and uploading necessary documents.

Progressive’s robust mobile app simplifies the process, allowing customers to report accidents, track claim statuses, and submit photos of damages. This streamlined approach can significantly reduce the stress associated with filing a claim.

Average Claim Processing Time

The time it takes to process and settle a claim can greatly affect the satisfaction of policyholders. While the exact average claim processing times may vary depending on factors such as claim complexity, both National General and Progressive aim to expedite the process. National General prioritizes prompt claims processing, although specific average times are not readily available on their website.

Progressive, known for its technological focus, offers transparency by enabling customers to track claim progress through their mobile app, potentially speeding up the process.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback provides valuable insights into the effectiveness of claim resolutions and payouts. National General’s feedback is mixed, with some customers reporting positive experiences, citing fair and swift settlements, while others have expressed dissatisfaction.

Progressive, too, receives varied feedback, with some customers praising the efficiency of the claims process, while others highlight challenges and delays. It’s essential to consider that individual experiences can differ, making it crucial for prospective policyholders to weigh these factors alongside their specific needs when choosing an insurance provider.

National General vs. Progressive Car Insurance Trailblazing Digital and Technological Advancements

Mobile App Features and Functionality

Modern customers expect user-friendly mobile apps to manage their insurance policies seamlessly. National General offers a mobile app that allows users to access policy information, make payments, and report claims. While not as feature-rich as some competitors, it serves well for basic policy management.

In contrast, Progressive’s highly-rated mobile app boasts comprehensive functionality. Policyholders can manage policies, pay bills, report claims, view and share ID cards, and even access the Snapshot program for safe driving discounts. Its intuitive interface and extensive features make it an excellent choice for tech-savvy customers.

Online Account Management Capabilities

Online account management is vital for efficient policy administration. National General offers an online portal for customers to access policy details, review billing information, and make payments. The platform provides a straightforward interface for essential account-related tasks.

Progressive’s online account management is known for its depth and convenience. Policyholders can manage policies, track claims, obtain insurance documents, and explore available discounts seamlessly. The intuitive interface empowers customers to navigate and stay informed about their coverage effectively.

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Digital Tools and Resources

Both National General and Progressive offer digital tools and resources to support customers’ informed decisions about car insurance. National General’s website provides informational resources, including articles and guides, to enhance policyholders’ understanding of car insurance options.

Progressive excels in this area with an extensive array of online resources, including articles, calculators, and tools. These resources empower customers to explore coverage options and discounts, making well-informed choices about their insurance needs. Your choice between these insurers may hinge on your preference for digital convenience and the specific features aligning with your requirements.

Customer Feedbacks

National General has an A+ rating from the Better Business Bureau (BBB), indicating that the company has a good track record of responding to customer complaints and resolving issues. However, customer reviews on sites like Yelp and ConsumerAffairs are more mixed.

Some customers have praised Progressive’s customer service, noting that representatives are knowledgeable and helpful. Others have reported issues with filing claims, with some claiming that the claims process is slow and frustrating. Additionally, some customers have reported issues with billing and payments, including unexpected rate increases and difficulty canceling policies.

It’s worth noting that customer reviews can be subjective and may not always reflect the overall quality of a company’s products and services. While it’s important to consider customer reviews when choosing a car insurance company, it’s also important to look at other factors like cost, coverage options, and discounts to make an informed decision.

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