A couple of the most top-rated companies in the insurance world are USAA and National General. National General is best for customers who are affiliated with the General Motors Club. USAA is best for customers who are in the military and their family members.
On the flip side, USAA’s strength is also their weakness. If you're not a member in the military you can't get insurance with them. And National General has fairly high insurance premiums. Nonetheless, both companies have excellent financial strength and a wide variety of discounts for their members.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
National General says that switching to them saves customers an average of $442 a year. And that’s before applying SmartDiscounts to your policy!
Comparing quotes is the best way to get your lowest rates from top insurers like USAA and National General. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | USAA | National General |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | USAA | 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 | USAA | National General |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | USAA | National General |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | USAA | National General |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | USAA | National General |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| USAA Car Insurance | National General Car Insurance | |
|---|---|---|
| 2016 | 245 | 69 |
| 2015 | 415 | 74 |
| 2014 | 380 | 50 |
| 2013 | 270 | 30 |
| USAA Car Insurance | National General Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | |
| Policy Offerings | Among the best | |
| Pricing | Among the best | |
| Local Agent | -- | |
| Call Center Representative | Among the best | |
| Insurer Website | Among the best |
| USAA Car Insurance | National General Car Insurance | |
|---|---|---|
| Overall Satisfaction | Among the best | |
| First Notice of Loss | Among the best | |
| Service Interaction | Average | |
| Appraisal | Among the best | |
| Repair Process | Above average | |
| Rental Car Experience | Among the best | |
| Settlement | Among the best |
| USAA Car Insurance | National General Car Insurance | |
|---|---|---|
| A.M. Best | A++ | A- |
| Moody's | Aaa | -- |
| S&P's | AA+ | BBB+ |
|
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the USAA mobile 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. |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |
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. |