Compare State Farm vs. National General Insurance

Commercial Auto Insurance

If you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident.

There are multiple coverage options for commercial auto insurance:

• Bodily Injury Liability Coverage
• Property Damage Liability Coverage
• Personal Injury/Medical Payments Coverage
• Collision Coverage
• Comprehensive Coverage
• Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses.

Classic Car Insurance

State Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The coverages for this type of policy are:

• Liability
• Medical Payments/No Fault
• Comprehensive
• Collision
• Uninsured/Underinsured Motor Vehicles
• Emergency Road Service
• Death, Dismemberment, and Loss of Sight
• Loss of Earnings

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!

• 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

State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies.

Pocket Agent

This app lets you:

• View your insurance card
• File or view a claim
• Access Roadside Assistance
• Connect with your local agent

You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture

This app is powered by Edmunds.com, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote.

Steer Clear

This app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback

This an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results.

Driver Feedback Instructor Edition

This app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile

This app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools

This app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move.

Click here to learn more and download any of these State Farm mobile apps. 

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. 

State Farm Emergency Road Service

This service can help if you need:

• Mechanical labor
• Towing
• Delivery of gas
• Tire change
• Battery jump-start
• Locksmith services

Or if your car is stuck somewhere.

Roadside Assistance Services Covered

• Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
• Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
• Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
• Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

• Towing cost beyond the nearest repair service center
• Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. You can visit the State Farm Roadside Assistance website here.

National General Motor Club Roadside Assistance

Gives 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 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 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.