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My Auto Insurance Coverage

Can I change my policy as needed?

Yes! Anytime you want to update your policy, simply call 1-800-325-1190. Or, set up an online account and manage your policy at any time from your own computer.

Anyone that you listed on your auto insurance policy is covered by your insurance. If you would like to update your policy, you can check your online account, or call 1-800-325-1190. One of our friendly agents will help walk you through the whole process. If you find you forgot to include someone important on your policy, we’ll help you add them.
As a rule of thumb, it’s good to have all drivers in your household on your policy. Even if one driver practically never drives your car, be sure to include that person on your policy. You need to make sure you’re covered. The last thing you want is that person to drive and accidentally wreck your car when he or she is not on your policy. At the very best, it would slow down your claims process, and at the very worst, you could be denied coverage.

At National General Insurance, our aim is to provide excellent, affordable insurance. That’s why we offer so many first-class services and helpful discounts to our customers. We want you to know that you are protected in case of an accident or breakdown, and that we will do everything in our power to get you back on the road.
Coverage Options
State requirements vary, but we offer coverage for any auto insurance need:

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured and Underinsured Motorist Coverage
  • Personal Injury Protection
For more information, please contact a National General Insurance agent at 1-800-325-1190.
Deductable Options
Your deductible is the amount you pay in damages before your insurance helps out. So say your deductible is $400. Once the cost of damages exceeds $400, your insurance will cover the rest.
In general, the higher your deductible, the lower your monthly auto insurance premiums are going to be. The opposite is true as well. If you choose a low deductible, your premiums will be higher. Overall, it’s important to balance the deductible you choose with your ability to pay if an accident happens.
Still Wondering What's Right For You?
A National General Insurance representative can help you find the deductible and coverage limits that make sense for your vehicle and your financial situation. Call to speak with an agent today at 1-800-325-1190.

There are three main things to consider before buying or leasing a new car that relate to your auto insurance policy:

  • New Insurance Requirements – If you are leasing or financing your vehicle, lending companies will often require you to purchase comprehensive coverage and collision coverage. Make sure you have the appropriate insurance for your vehicle.
  • Safety Features – Choosing a vehicle with safety features and anti-theft devices can help lower auto insurance rates.
  • Vehicle Type – Before buying, remember that some vehicles cost more to insure than other vehicles. It pays to get a rate quote before getting the vehicle you are hoping to buy.

Definitely! All you need to do is update the vehicle information on your current policy with information about your new car or truck. You can update your vehicle information online, or you can call a National General Insurance agent at 1-800-325-1190.
Here are a couple things to remember before you switch your auto insurance over to a new vehicle:

  • Your Premium May Change – Some vehicles cost more to insure than others. As a result, you may see a rise or a drop in your monthly rate when you transfer your insurance to a new vehicle.
  • You Choose the Transfer Effective Date - Insurance transfers can become effective immediately, or you can schedule a desired effective date for the future. You won’t have coverage on that specific vehicle until that transfer date.

It depends. Here are two steps to follow before signing up for rental car insurance:

  1. Check your auto insurance policy. It’s possible that your current auto insurance policy covers you in case you drive a rental. You can check your policy online, or by calling National General Insurance at 1-800-325-1190. One of our friendly representatives will help make sure that you don’t pay for duplicate insurance.
  2. Check your credit card policy. Sounds strange, right? But actually, if you use a credit card to rent a vehicle, you may also have coverage through your credit card company. This would typically qualify as secondary coverage, with your usual auto insurance picking up the primary role in case of an accident.

Getting Auto Insurance for a Rental Car
Anytime you rent a car, you will be offered the option to purchase auto insurance. Choosing their insurance can actually be a good idea. After all, even a small amount of damage to a rental car – like a scratch in a parking lot – is nothing like damaging your own car. If it were your own car, you could ignore a scratch, or fix it on your own at a later time. With a rental car, you may even be charged “loss-of-use” fees while the car is being repaired. Imagine how quickly these fees can add up! You can avoid these kinds of headaches when you purchase auto insurance from the rental car company. Sometimes it’s best to get their insurance “just in case” instead of risking it.
Renting a Car Outside the U.S.?
Frequent and experienced travelers often decline optional rental car coverage. However, even minor accidents or damage could be costly and time-consuming. We suggest that if you are planning to travel and rent a car outside the United States to check with your insurance company first to see if your auto insurance applies abroad.

If you are looking for ways to get the best possible price for auto insurance, here are a few tips for lowering your monthly premiums:

  • Raise your deductibles. This will lower your auto insurance premium. However, it means you will pay more out-of-pocket expenses given there is an accident.
  • Lower your coverage limits. This will lower your auto insurance premium as well. However, it may cost you more in the case of an accident. Here’s how: Your coverage limit refers to the maximum the insurance company will pay in a given situation. Anything exceeding this cap would be your financial responsibility. If there is an expensive accident, a lower coverage limit means you are likelier to pay on your own.
  • Improve your vehicle safety. Look for features that reduce your risks like airbags, anti-lock brakes, anti-theft devices and off-street parking.
  • Drive Safely. Those with no traffic violations, accidents or other incidents benefit from lower rates.
  • Bundle your insurance. Look for opportunities to combine multiple types of insurance, like homeowners and auto insurance for reduced rates.
  • Be responsible with your credit Those with good credit are considered a better risk, and that means a better price for auto insurance, in states where insurance scores are used by insurance companies.
  • Check out our number of discounts! At National General Insurance, our aim is to provide affordable, high quality insurance. One of the ways we do this is through offering many discounts to our customers.

For a great rate, get a quote online. It’s free and it’s fast!

Each state has its own laws on auto insurance requirements. You can check with your local DMV to find your state's specific requirements, or you can contact a National General Insurance agent, who can research those requirements on your behalf. Please call 1-800-325-1190 for more information!

Auto Insurance FAQs
Have a question about auto insurance? Check out our FAQ section on collision coverage, comprehensive coverage, liability coverage, and more.
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Auto Accident FAQs
Want to know if filing a claim after an accident could affect your premium? Check out our answer on our Accidents FAQs Page.
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