☑️ Pay In Full discount of 20%
☑️ Better than Average driver discount up to 20%
☑️ Preferred rates for Higher Liability limits
☑️ Guaranteed Replacement Cost
☑️ Accident Forgiveness
☑️ Quick quote indication to your email
☑️ Liability Protection up to 500,000
National General Car Insurance
Started as GMAC Insurance Group in 1920 exclusively for General Motors employees and in 2013 GMAC changed their name to National General Insurance
They are A+ XV Superior Rated by AM Best and currently write car insurance in all 50 states
Currently 2 billion or greater in policyholder surplus so National General is one of the largest insurance companies in the United States
Who is the best fit for NatGen?
☑️ Preferred driving records (clean 3 years)
☑️ Current Liability limit above 15/25
☑️ Very Good to Excellent Credit Worthiness
☑️ GM vehicle discount
☑️ 1:1 Vehicle to Driver Ratio
☑️ Homeowner
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Coverage Options
Accident Forgiveness
Most insurance companies don’t offer this coverage
This allows you to have an At Fault accident and not get surcharged (rate increase) an additional amount at renewal
Yes you may get placed into a different rating tier and see an increase but its not going to be as high as an At Fault accident on your record
When you have a clean driving record you have an asset you need to protect
You protect your clean driving record with Accident Forgiveness
Accident Forgiveness is also great for average to below average drivers that have remained clean for 3 years
Locking in the clean driving record is something to consider if your car insurance company does offer the coverage
Better than Average Driver Discount
Car Insurance rates are based on the average driver not the better than average drivers
If you think you are better than average and you have a clean driving you now have the opportunity to prove it to the insurance company
The Insurance industry term is Telematics
It is an app you download on your phone and that’s it
The insurance company will review speed, braking, acceleration and time of driving
You will get 10% off your current rate just to try it
After a few months you can get up to an additional 20% if you really are a good driver
Its not for everyone but for 10% off why not give it a try?
Here are the screenshots from the Routely app on my phone
I downloaded the app and added the 5 digit code NatGen sent me and that was it
FAQs about National General Dynamic Drive Program click here
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Uninsured Motorists
All insurance companies offer this coverage but most drivers decline this coverage
I like to think it was just never explained and once a customer reads “optional” it gets declined
If you are still employed I consider this one of the most important coverage options available to you
Insurance Companies want you to buy low liability limits and reject Uninsured Motorists coverage
Why?
Because it will limit the amount they pay on the policy (limits their exposure)
A few things to consider about Uninsured Motorists
1) When you add Uninsured Motorists coverage to your policy you are adding Liability insurance to every vehicle on the road so you no longer have to worry about uninsured drivers
Most drivers are either uninsured or under insured which is basically not enough to take care of you and your family if the other driver is at fault
When you buy Uninsured Motorists limits of let’s say 250,000 you no longer have to worry if the texting teenager smashes into your vehicle and has enough or has any insurance
You do
You would have 250,000 of coverage for lost wages, medical bills and mental difficulties you may experience
2) Uninsured Motorists is basically disability insurance when traveling in your car
Without it and you miss work and the other driver has no insurance or only minimum limits who is going to compensate you for your lost paycheck?
Miss a week or two hurts but what if you are out of work for 6 months?
If you are employed you must have Uninsured Motorists Coverage
Your ability to earn an income is your most valuable asset so adding Uninsured Motorists helps protect you if you are a wage earner
If you purchase 250,000 of Uninsured Motorists you can qualify for 1,000,000 of additional coverage with a Personal Umbrella policy if you are afraid your ability to earn an income could be limited for years
Request your NatGen Car Insurance Proposal
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Hi there, I’m Tim D’Angelo
INSURANCE ADVISOR
Owner of FM Agency Group and FM Risk helping customers with Insurance since 2003