Compare Travelers vs. National General Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

Travelers and National General are two strong competitors in the world of insurance. Travelers was founded in 1864 and National General was founded in 1920. Travelers is a preferred provider because of its flexible payment plans and GAP coverage, whereas National General is a preferred provider for customer affiliated with the General Motors Club.

On the other hand, National General has very high premiums and Travelers customers have complained about the customer service experience. Nonetheless, both companies have excellent financial strength.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Travelers National General
Best If Travelers
  • You need flexible payment plans or GAP coverage
National General
  • You’re affiliated with General Motors Club
Worst If Travelers
  • You value customer satisfaction or a strong website
National General
  • You want a swift and smooth claims process

Special Car Insurance Discounts

Travelers National General
Travelers

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

National General

National General refers to its array of discounts as SmartDiscounts, presumably because they are smart and simple ways to save money off your auto insurance policies.

According to the company’s website, customers who switch to National General save an average of $442 a year, and that’s before applying SmartDiscounts to your policy!

  • GM/GMAC Customer Discounts
  • Paid-in-Full Discount
  • Multi-Vehicle Discount
  • GM Loyalty Discount
  • Safe-Driver Discounts
  • RVs and Autos on One Convenient Policy
  • Motorcycle Discounts
  • OnStar Subscriber Discount
  • Low Mileage Discount
  • GM Family First Discounts
  • Affinity Discounts
  • GM Supplier Discount

Standard Car Insurance Discounts

Bundling Coverage Discounts Travelers National General
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Travelers National General
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Travelers National General
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Travelers National General
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Travelers National General
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Travelers National General
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Travelers Car Insurance National General Insurance
2016 34 69
2015 46 74
2014 29 50
2013 165 30

U.S. Auto Insurance Shopping Study (2016)

Travelers Car Insurance National General Insurance
Overall Purchase Experience Above average
Policy Offerings Average
Pricing Above average
Local Agent Average
Call Center Representative Above average
Insurer Website --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Travelers Car Insurance National General Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Average
Appraisal Average
Repair Process Average
Rental Car Experience Below average
Settlement Average

Financial Strength Ratings

Travelers Car Insurance National General Insurance
A.M. Best A++ A-
Moody's Aa2 --
S&P's AA BBB+

Mobile Apps

Travelers National General
Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app here

National General

National General Insurance’s Claims App is fairly unique in that it actually puts you in contact with a National General claims service consultant. In addition, you can use the app to submit a claim online or request a towing service. To learn more about and download the app, click here

Roadside Assistance

Travelers National General
Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.

National General

National General Motor Club Roadside Assistance

The National General Motor Club gives those insured by National General a membership plan for three levels of roadside assistance coverage. The Motor Club, similar to other full suite roadside assistance memberships gives you travel discounts on restaurants, hotels, car rental and more. Coverage extends to all family members in any vehicle you're driving

Motor Club Basic

Cost per year: Single - $59. Couple - $69.

  • Towing up to 5 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $120

Motor Club Standard

Cost per year: Single - $79. Couple - $94. Each Dependent - $15.

  • Towing up to 20 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $150

Motor Club Elite

Cost per year: Single - $89. Couple - $99. Family - $119.

  • Towing up to 100 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $90
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $260

Contact Phone Numbers

Roadside Assistance Hotline 888-310-4173

Customer Service 888-310-4173

Trip Routing 888-310-4173

By signing up for the GM Motor Club (now referred to as “National General Motor Club”), you’ll get access to roadside assistance benefits. The GM Motor Club offers 24/7 roadside assistance and no hidden fees.