National General Car Insurance Discounts [2025]

GMAC Insurance changed its name to National General on July 1, 2013. The National General Insurance CEO described the change as a culmination since the company had become bigger globally. They continue to offer several different insurance products for individuals, including auto, homeowners, and RV coverage. If a driver doesn’t qualify for National General insurance discounts (which includes GMAC low mileage discount), it is still possible to get affordable auto insurance when comparing National General car insurance quotes online using our free quote tool.

They pride themselves on offering competitive and comprehensive car insurance policies that are geared towards the responsible and safe driver.

There are many different National General car insurance discounts available.

Any and all of these discounts can help lower overall car insurance premiums.

The best way to obtain any of these discounts is to apply online through their website, speak to a National General agent, or call the main customer service National General toll-free phone number.

Are you looking for car insurance? Interested in car insurance discounts? Use our simple search tool above by entering your ZIP code and find auto insurance rates today!

What discounts are available with National General Insurance?

A popular discount is available to National General Insurance customers who own or use a GM product. This includes having another National General financial product, as well as owning or leasing a GM vehicle.

In addition, individuals with an OnStar can immediately receive a discount when signing up for National General car insurance.

This discount for OnStar service, which includes immediate assistance when in an accident, as well as a GPS locator service, can save anywhere between 10 percent and 20 percent off the insurance premium.

Like many other insurance companies, National General offers a discount to car insurance policyholders who pay their premium in full each year.

How much can I save with a multi-car policy?

• Multi-vehicle – If you insure more than one vehicle, you might be eligible for a multi-vehicle discount. This includes two or more policies for cars or other vehicles like an RV, or one policy covering more than one vehicle. This discount can be as much as 20 percent for certain individuals.
• Motorcycle – National General Insurance is also motorcycle friendly and offers multi-motorcycle discounts for bikes on the same policy.
• Low mileage – Many car insurance companies offer a discount for low mileage drivers, who use their vehicles 7,500 miles per year or less.

National General offers a combination discount to drivers who subscribe to OnStar and drive less than 15,000 miles per year. The savings for that combination can be more than 50 percent off of your premiums. You can also inquire about the OnStar student discount.

Another benefit of the OnStar multi-vehicle discount that involves, for example, a car and an RV, is that one deductible covers both vehicles if they are involved in the same accident.

Do General Motors [auto insurance] affiliates receive discounts?

Any retired or active employee of any of the GMAC family of companies is eligible for a family discount. This includes all extended family members, including in-laws, as well as same-sex partners.

National General Insurance also has several agreements in place for its affinity program.

These are companies, organizations, or other businesses that have a relationship with General Motors [car insurance] and/or its affiliates. This includes companies that are suppliers to GM and their affiliates.

Employees of these organizations can get an additional discount with National General Insurance simply by mentioning where they work.

Read more: Farm Bureau Car Insurance Discounts

Are there car specific discounts?

Certain features on cars give drivers additional discounts and benefits.

• Airbags – The most common include installed air bags. Many companies like GMAC [vehicle] Insurance offer a discount for having air bags and those discounts can increase based on the number of air bags in the insured vehicle.
• Safe drivers – They will always receive discounts on car insurance. A safe driver is usually defined as one that has not had a no-fault or at-fault accident for five years or longer, and does not have any major moving violations on their driving record.
• Anti-theft devices – Vehicles with alarm systems, VIN etching, and other types of anti-theft devices can also earn an additional discount. It is important to let your agent or the National General Insurance customer service representative know that your vehicles have these features to ensure you receive a proper discount.

Since companies offer different discounts depending on the driver, it is beneficial to inquire about the different options and whether or not you qualify.

Even if you do have a current policy and are not looking to switch, call your agent to be sure you are receiving all of the discounts for which you are eligible. To find the closest location, typing in “National General Insurance near me” can help.

If you have wondered, “Is National General Insurance a standard company?” we’ve detailed a National General car insurance review.

Looking for auto insurance quotes but don’t know where to start? Use our simple tool below to enter your ZIP code and find competitive car insurance rates today!

Case Studies: National General Car Insurance Discounts

Case Study 1: The GM Vehicle Owner Discount

John, a proud owner of a GM vehicle, was thrilled to discover that National General Insurance offers a discount specifically for GM vehicle owners. By applying for car insurance with National General, John was able to take advantage of this exclusive discount and significantly reduce his premium.

Case Study 2: The OnStar User Discount

Sarah, who has an OnStar subscription, learned that National General Insurance provides a discount for OnStar users. This discount not only rewarded Sarah for her commitment to safety but also helped her save money on her car insurance policy.

Case Study 3: The Low Mileage Discount

Michael, a driver who doesn’t frequently use his vehicle, found out about the National General low mileage discount. By demonstrating his low mileage usage, Michael qualified for this discount and enjoyed substantial savings on his car insurance.

Case Study 4: The Safety Feature Discount

Lisa recently purchased a new car equipped with advanced safety features. National General Insurance offers a discount for vehicles with safety features, including features such as anti-lock brakes, airbags, and lane departure warning systems. Lisa was able to obtain this discount and ensure her vehicle was protected while enjoying reduced insurance premiums.