Comparing quotes is the best way to get your lowest rates from top insurers like Esurance and National General. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Esurance and National General are both big names in the world of auto insurance. Esurance was founded in 1999, while National General was founded in 1925. National General is a great choice for customers who join the GM Motor Club, since additional discounts are rewarded to its members. However, it has reports of poor customer service and increased insurance premiums for reasons unknown.
On the flip side, Esurance is well-liked for its strong online platform that simplifies purchasing auto insurance, and it has high financial strength and J.D. Power ratings as a result. Still, the company is criticized for its limited payment options and seemingly faulty roadside service.
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 |
Esurance
|
National General
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| Worst If |
Esurance
|
National General
|
|
Esurance
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below. Fast 5 DiscountThis discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com. Paid-in-Full DiscountThis discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments. Switch & Save DiscountThis discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer. Emergency Road Assistance DiscountYou can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium. Pac-12 DiscountYou can get this discount if you attended or are an alum of a Pac-12 school. |
National General
National General SmartDiscounts.National General says that switching to them saves customers an average of $442 a year. And that’s before applying SmartDiscounts to your policy!
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| Bundling Coverage Discounts | Esurance | National General |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Esurance | 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 | Esurance | National General |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Esurance | National General |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Esurance | National General |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Esurance | National General |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Esurance Auto Insurance | National General Car Insurance | |
|---|---|---|
| 2016 | 48 | 69 |
| 2015 | 67 | 74 |
| 2014 | 47 | 50 |
| 2013 | 43 | 30 |
| Esurance Auto Insurance | National General Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | |
| Policy Offerings | Average | |
| Pricing | Average | |
| Local Agent | Average | |
| Call Center Representative | -- | |
| Insurer Website | Among the best |
| Esurance Auto Insurance | National General Car Insurance | |
|---|---|---|
| Overall Satisfaction | Below average | |
| First Notice of Loss | Below average | |
| Service Interaction | Below average | |
| Appraisal | Below average | |
| Repair Process | Below average | |
| Rental Car Experience | Below average | |
| Settlement | Below average |
| Esurance Auto Insurance | National General Car Insurance | |
|---|---|---|
| A.M. Best | A+ | A- |
| Moody's | -- | -- |
| S&P's | -- | BBB+ |
Esurance
Esurance MobileThis app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android. |
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. |
Esurance
Esurance Emergency Road Service coverageEsurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy. Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA. Emergency Road Service is only eligible for Esurance covered vehicles. Roadside Assistance Phone: 1 (888) 374-6472 |
National General
National General Motor Club Roadside AssistanceGives those insured by National General a membership plan for three levels of roadside assistance coverage. It's similar to other full suite roadside assistance memberships. You get travel discounts on restaurants, hotels, car rental and more. Coverage extends to all family members in any vehicle you're driving Motor Club BasicCost per year: Single - $59. Couple - $69.
Motor Club StandardCost per year: Single - $79. Couple - $94. Each Dependent - $15.
Motor Club EliteCost per year: Single - $89. Couple - $99. Family - $119.
Contact Phone NumbersRoadside Assistance Hotline 888-310-4173 Customer Service 888-310-4173 Trip Routing 888-310-4173 By signing up for the 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. |