American Family vs National General Car Insurance for 2023

When it comes to choosing a car insurance provider, you want to make sure you’re getting the best coverage at the most affordable price. Two popular options on the market are American Family car insurance and National General car insurance. In this review, we’ll take an in-depth look at both companies to help you decide which one is right for you.

Key Attributes of American Family and National General: Before diving into the specifics of each company, let’s highlight three key attributes of American Family and National General:

1. American Family: Known for their personalized customer service and commitment to the community, American Family has been providing insurance to customers since 1927.
2. National General: National General offers a range of coverage options, including specialty policies for RVs and motorcycles. They pride themselves on offering flexible and affordable insurance plans.
3. Both Companies: Both American Family and National General offer discounts to help customers save money on their car insurance premiums.

Company History and Mission:

American Family: American Family was founded in 1927 by Herman Wittwer as Farmers Mutual Insurance Company. Today, they’re a Fortune 500 company with over 10 million policies in force. Their mission is to inspire, protect, and restore dreams.

National General: National General was founded in 1920 as the Motors Insurance Corporation. They’ve since grown to become a leader in the insurance industry, providing coverage to customers across the United States. Their mission is to be the preferred provider of insurance products and services for customers.

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Products and Services:

American Family: American Family offers a range of car insurance coverage options, including liability, collision, and comprehensive coverage. They also offer optional coverage for things like roadside assistance, rental car reimbursement, and personal injury protection. Customers can choose from a variety of deductible options and payment plans. American Family offers coverage in 19 states.

National General: National General offers standard car insurance coverage, as well as specialty policies for RVs and motorcycles. They also offer additional coverage options, such as roadside assistance, rental car reimbursement, and personal injury protection. Customers can choose from a variety of deductible options and payment plans. National General offers coverage in 50 states.

Cost and Discounts:

American Family: The cost of American Family car insurance will vary depending on a number of factors, including your location, driving history, and the type of coverage you choose. However, they offer a number of discounts to help customers save money, such as safe driving discounts, multi-policy discounts, and good student discounts.

National General: The cost of National General car insurance will vary depending on a number of factors, including your location, driving history, and the type of coverage you choose. However, they also offer a number of discounts to help customers save money, such as safe driving discounts, multi-car discounts, and homeowner discounts.

Case Studies: American Family vs National General Car Insurance

Case Study 1: John’s Accident Experience

John, a policyholder with American Family car insurance, was involved in a car accident. He promptly reported the incident to the company and found their claims process to be efficient and hassle-free. American Family’s customer service representatives guided him through the claims process, and his claim was settled fairly and quickly.

John was satisfied with the overall experience and felt that American Family provided excellent support during a stressful situation.

Case Study 2: Sarah’s Policy Customization

Sarah, a customer of National General car insurance, needed specific coverage for her recreational vehicle (RV). She contacted National General and was pleased to find that they offer specialty policies tailored to RV owners. Sarah appreciated the flexibility and options available to customize her policy to meet her specific needs.

She found National General’s customer service to be knowledgeable and helpful throughout the process, ensuring that she had the appropriate coverage for her RV.

Case Study 3: Mark’s Discount Opportunities

Mark, a driver insured with American Family car insurance, was delighted to discover the various discount opportunities available to him. As a safe driver with a clean record, Mark qualified for a safe driving discount, which significantly reduced his premium.

Additionally, since he also had a homeowners insurance policy with American Family, he received a multi-policy discount, further lowering his overall insurance costs. Mark appreciated American Family’s commitment to rewarding their customers with cost-saving discounts.

Case Study 4: Emily’s Nationwide Coverage

Emily, a policyholder with National General car insurance, frequently travels across different states. She was pleased to learn that National General offers coverage in all 50 states, ensuring she would be protected regardless of her location.

This nationwide coverage gave Emily peace of mind, as she didn’t have to worry about adjusting her insurance policy whenever she traveled or relocated. She found National General’s wide coverage network to be a valuable feature that suited her mobile lifestyle.

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Customer Reviews:

American Family: American Family has generally positive customer reviews, with many customers praising the company’s customer service and claims handling. However, some customers have noted that their rates can be on the higher side.

National General: National General has mixed customer reviews, with some customers praising the company’s affordability and customer service, while others have had issues with claims handling and communication.

FAQs:

Q: How can I get a quote for American Family car insurance?

A: You can get a quote for American Family car insurance on their website or by calling their customer service hotline.

Q: Does National General offer coverage in all 50 states?

A: Yes, National General offers coverage in all 50 states.

Q: What discounts does American Family offer for car insurance?

A: American Family offers a variety of discounts for car insurance, including safe driving discounts, multi-policy discounts, and good student discounts.

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