Auto-Owners vs National General Car Insurance for 2024

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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Case Studies: Auto-Owners vs. National General Car Insurance

Case Study 1: Mary’s Accident

Mary, a 45-year-old driver, was involved in a car accident where she was rear-ended by another vehicle. She had auto insurance with Auto-Owners and immediately filed a claim. Auto-Owners quickly responded to her claim, arranged for a rental car while her car was being repaired, and covered the cost of the damages. Mary was satisfied with the efficient and hassle-free claims process.

Case Study 2: Jack’s Discount

Jack, a 30-year-old driver, was looking for car insurance that fit his budget. He received quotes from both Auto-Owners and National General. Auto-Owners offered him a variety of discounts, including a good student discount for his recent graduation and a safe driving discount for his clean driving record. With these discounts, Auto-Owners provided Jack with a more affordable premium compared to National General.

Case Study 3: Sarah’s Customized Coverage

Sarah, a 50-year-old driver, needed car insurance that offered specific coverage for her antique car. She reached out to both Auto-Owners and National General for quotes. Auto-Owners understood Sarah’s unique needs and provided her with a customized coverage plan tailored to protect her antique car. National General, on the other hand, had limited options for specialized coverage and couldn’t meet Sarah’s requirements. 

Getting Acquainted With Auto-Owners vs. National General Car Insurance Claims Process

Ease of Filing a Claim

When it comes to the claims process, both Auto-Owners and National General offer multiple convenient options for policyholders to file their claims. These options include online claims submission, phone claims, and even mobile apps for added flexibility and ease of use.

Whether you prefer the convenience of filing online, speaking with a representative over the phone, or using a mobile app, both companies strive to make the claims process as accessible as possible.

Average Claim Processing Time

The average claim processing time is a critical factor for policyholders, as it directly impacts the speed at which they receive assistance after an incident. Auto-Owners and National General aim to process claims efficiently, but the exact processing time can vary depending on factors such as the complexity of the claim and the documentation provided by the policyholder.

It’s advisable to inquire about estimated claim processing times when filing a claim to set realistic expectations.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable in evaluating the effectiveness of an insurance company’s claims resolution and payout process. Auto-Owners has earned a strong reputation for its customer service and is consistently rated highly by customers.

In contrast, National General has mixed customer reviews, with some praising the affordability of their policies while others express concerns about customer service. Examining customer feedback can provide insights into the experiences of other policyholders and help inform your decision.

Pioneering Tech-Forward Solutions: Auto-Owners vs. National General Car Insurance Digital Features

Mobile App Features and Functionality

Both Auto-Owners and National General offer mobile apps designed to enhance the policyholder experience. These apps typically provide users with the ability to access their policy details, make premium payments, file claims, and even access digital insurance ID cards. The features and functionality of these apps aim to make managing insurance policies on the go more convenient and efficient.

Online Account Management Capabilities

In addition to mobile apps, both companies offer online account management capabilities through their websites. Policyholders can log in to their accounts to review policy information, make adjustments to their coverage, and access important documents. These online tools empower customers with self-service options and flexibility in managing their policies.

Digital Tools and Resources

Auto-Owners and National General may also provide digital tools and resources to assist policyholders in gaining a better understanding of their insurance coverage. These resources can include online calculators, educational materials, and guidance to help customers make well-informed decisions regarding their policies.

Leveraging digital resources can be particularly beneficial for individuals seeking to optimize their coverage and reduce insurance costs.

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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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