Home State vs National General Car Insurance for 2023

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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Case Studies: Comparing Home State vs National General Car Insurance

Case Study 1: Comprehensive Coverage

A customer insured with Home State Car Insurance experienced a hailstorm that caused significant damage to their vehicle. Fortunately, the customer had comprehensive coverage, which covers damage caused by non-collision events such as hailstorms.

Home State promptly assessed the damage, approved the claim, and covered the cost of repairs, ensuring that the customer’s vehicle was restored to its pre-loss condition.

In another scenario, a National General Car Insurance policyholder parked their car on the street overnight and woke up to find it had been stolen. The customer had comprehensive coverage, which not only covers theft but also provides coverage for damage caused by vandalism or natural disasters.

National General promptly processed the claim, reimbursed the policyholder for the value of the stolen vehicle, and offered assistance in finding a replacement car.

Case Study 2: Liability Coverage

A Home State Car Insurance policyholder was involved in a multi-vehicle accident where they were found to be at fault. Several other vehicles were damaged, and occupants of those vehicles suffered injuries. Home State’s liability coverage came into play, covering the damages and medical expenses of the injured parties, up to the policy’s limits.

Home State’s dedicated claims team worked with all parties involved, ensuring a fair and efficient claims settlement process.

A National General Car Insurance policyholder accidentally rear-ended another vehicle at a traffic light, causing damage to the other driver’s car and injuries to the driver. The injured driver filed a claim with National General, who promptly investigated the accident and accepted liability on behalf of their policyholder.

National General’s liability coverage ensured that the other driver’s vehicle was repaired, and their medical expenses were covered, providing financial protection and peace of mind.

Case Study 3: Uninsured/Underinsured Motorist Coverage

A Home State Car Insurance policyholder was involved in a hit-and-run accident. The at-fault driver fled the scene, leaving the policyholder with property damage and injuries. Fortunately, the policyholder had uninsured/underinsured motorist coverage with Home State.

This coverage allowed the policyholder to file a claim and receive compensation for the damages and medical expenses caused by the unidentified driver, providing financial support when the responsible party was unknown.

A National General Car Insurance policyholder was driving when they were struck by an underinsured driver who had minimal liability coverage. The policyholder suffered severe injuries and required extensive medical treatment.

National General’s underinsured motorist coverage kicked in, covering the additional expenses that exceeded the at-fault driver’s policy limits. This ensured that the policyholder received the necessary medical care without bearing the financial burden themselves.

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.

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