National General vs Root Car Insurance for 2023

Car insurance is a crucial investment for any driver. With so many companies to choose from, it can be difficult to know which one to choose.

• National General has been in business for almost 100 years, offering a wide range of insurance products including auto, home, and life insurance.
• Root is a newer company, founded in 2015, that uses data analytics and telematics to determine personalized rates for drivers.
• Both National General and Root offer discounts for safe drivers and for bundling insurance policies.

In this article, we will compare National General car insurance vs Root car insurance and help you make an informed decision. By the end of this article, you will have a clear understanding of the history, mission, products and services, costs, discounts, and customer reviews of these two companies.

History and Mission

National General was founded in 1920 as the Motors Insurance Corporation, specializing in automotive insurance. Since then, they have expanded to offer a wide range of insurance products and services to customers in 50 states. National General’s mission is to provide affordable and reliable insurance solutions to their customers, while also providing excellent customer service.

Root, on the other hand, was founded in 2015 and is based in Ohio. They use data analytics and telematics to determine personalized rates for drivers, with a focus on safe and responsible driving. Root’s mission is to make car insurance fair, simple, and affordable for all drivers.

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Coverage Options Available

Both National General and Root offer a range of insurance products and services to customers. National General offers auto, home, and life insurance, as well as specialty products such as RV and motorcycle insurance. They also offer roadside assistance and rental car reimbursement.

Root offers auto insurance exclusively, with a focus on personalized rates based on individual driving habits. They use telematics to monitor driving behavior, such as braking, acceleration, and turning, to determine rates. Root also offers roadside assistance and rental car reimbursement.

Cost of National General and Root Insurance

The cost of car insurance can vary widely depending on factors such as age, driving record, and location. National General offers a range of discounts to help customers save money, including safe driver discounts, multi-policy discounts, and discounts for completing driver education courses. National General’s rates are generally competitive with other major insurance companies.

Root’s rates are based on individual driving habits, with a focus on safe and responsible driving. Drivers who are deemed to be safe drivers can save money on their premiums. Root’s rates can be competitive with other major insurance companies, but may not always be the cheapest option for all drivers.

Discount Options Offered

Both National General and Root offer a range of discounts to help customers save money on their car insurance premiums. National General offers discounts for safe drivers, multi-policy discounts, and discounts for completing driver education courses. They also offer discounts for students, military members, and senior citizens.

Root offers discounts for safe drivers, as well as discounts for bundling insurance policies. They also offer discounts for drivers who use their mobile app to track their driving habits.

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Customer Feedback: National General vs Root Insurance

National General has a strong reputation for providing reliable insurance products and excellent customer service. They have an A+ rating with the Better Business Bureau, which indicates that they have a good track record of addressing customer complaints and resolving issues in a timely and effective manner.

Root is a newer company, founded in 2015, so they do not have as extensive of a track record as National General. However, they have received positive reviews for their personalized rates, easy-to-use mobile app, and helpful customer service.

In Summary: National General vs Root Insurance

After researching and analyzing National General and Root car insurance, both companies have their strengths and weaknesses.

National General has a long history in the insurance industry and has a reputation for providing reliable products and services. They offer a variety of coverage options at competitive rates and have a strong customer retention rate. However, some customers have reported issues with slow claims processing and difficulty contacting customer service representatives.

Root, on the other hand, is a newer company that uses technology and personalized rates to offer more affordable insurance options to customers. They have a user-friendly mobile app and helpful customer service representatives. However, as a newer company, they may have some kinks to work out in terms of customer service and claims processing.

Ultimately, the choice between National General and Root car insurance will depend on individual preferences and needs. Customers should carefully consider the coverage options, cost, and reputation of each company before making a decision. It’s also important to regularly review and compare insurance policies to ensure that you have the coverage you need at a price you can afford.

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