UPDATED: Jun 29, 2022

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Written By: Jeffrey JohnsonReviewed By: Laura WalkerUPDATED: Jun 29, 2022Fact Checked

GMAC is one of the most respected brands in the automobile industry and when it comes to car insurance drivers have an option for choosing the GMAC brand for their needs.

The company became known as National General Insurance in 2013. In July of 2020, Allstate announced it had reached an agreement to buy National General for $4 billion, making it part of one of the biggest insurance companies in America.

However, is GMAC Auto Insurance a good choice? Read this review of GMAC Auto Insurance and then compare car insurance quotes or research other auto insurance companies before selecting a provider.

Before you read this National General auto insurance review, take a look at some rates. Use our FREE quote tool to compare auto insurance rates today

About GMAC Auto Insurance

GMAC (General Motors Acceptance Corporation) is a company well-known because of its parent, General Motors Corporation. GMAC originated as the financial services branch of General Motors, and today it functions as a separate private entity that handles vehicle financing, and through its subsidiaries, offers auto insurance.

GMAC Financial Services was founded in 1919 with its headquarters located in Michigan, and the company has since grown to offer many other services through different divisions besides auto insurance, with combined revenue of over $21 billion annually.

GMAC insurance covers consumers, auto dealerships and other types of businesses.

Over the years, GMAC insurance has explored and tested new products, and it became the first company to sell vehicle service contracts, which protect customers against unexpected or sudden car repairs or breakdowns.

GMAC insurance provides quality coverage and service to a diversified customer base all over the world.

Company Philosophy

The company has more than 100 offices, and employs 3,800 people worldwide. Their goal is to provide a broad range of insurance and related products to a large group of customers in the US and globally, at competitive prices.

Their slogan on the GMAC auto insurance website is “We are here when you need us. Count on it.”

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GMAC insurance offers coverage for standard vehicles, as well as classic and collector car insurance. In addition, they offer various car insurance discounts to give policyholders many opportunities to save, as well as a range of added services to meet their customers’ policy needs.

The company offers what they call Smart Services, which is a bundle of services including a lifetime guarantee on all repairs made at any of their Gold Medal repair shops, and inspections made by GMAC to ensure every repaired car is in top condition.

They also offer a deductible waiver up to $250 if a customer is not satisfied with their claims service, and GMAC insurance will cover up to $500 in food, travel expenses, and lodging, so customers will never be stranded while dealing with a claim.

The company offers many other services in their Smart Services package, to save time for customers and help them deal more easily with a large number of inconveniences that typically follow an accident.

This includes optional towing anywhere nationwide (to the nearest qualified repair facility) and a smart valet service which will pick up the customer’s damaged vehicle, bring a rental car to them, and then deliver the repaired vehicle back to them and also return the rental car.

If a car is considered a total loss after an accident, GMAC will provide someone to do all the legwork to find a new replacement vehicle for the customer. They offer optional coverage such as payments for up to a full-size rental car during a claim and added coverage for specialized equipment and accessories on vehicles.

Customers who have ties to GM or GMAC can benefit from multiple discount opportunities. GMAC provides discounts for any employee of a business that works with General Motors, and they call this their GM supplier discount.

According to the GMAC website, it is surprising how many companies qualify for this. GMAC also offers discounts for:

  • Current and retired employees of GMAC, GM, and other subsidiaries, as well as their extended families.
  • If every vehicle on a policy is a GM car
  • If Customers use a GM card, have a GMAC mortgage or auto loan
  • OnStar Subscribers

National General health insurance was previously available, but the company no longer offers it.

GMAC Customer Service Review

GMAC prides itself on giving the customer exceptional services like guaranteed OEM parts for repair work and the delivery of a rental car to any place a customer might be stranded.

They will give customers up to $500 for any information that helps convict those who have stolen a customer’s vehicle and operates a 24-hour claims reporting service, and minor claims can be handled over the phone, with most of them being paid within 48 hours. National General insurance claims can be reported to the 24/7 National General car insurance phone number at 1-800-325-1088.

The GMAC website offers free online quotes and provides a wealth of information and educational advice on auto insurance including information on teenage drivers, teenage driving risk factors, how to save money and more. General inquiries about things like the National General insurance cancellation fee can be directed to the National General Insurance phone number for customer service at 1-888-293-5108.

GMAC Auto Insurance Rates

According to the California Department of insurance, the cost of a GMAC insurance policy for a theoretical male driver, between 40-60 years old, driving 10,000 miles or less per year in a Honda Accord is $1,818 annually which is very competitively priced.

However, the only way to find the best auto insurance rates is to compare at least a few car insurance companies.

Get started by entering your ZIP code above to find local providers and get free quotes online.

Use our FREE quote tool to compare auto insurance rates today.

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  3. Farmers Car Insurance Review
  4. Direct General Car Insurance Review
  5. Hagerty Auto Insurance Review

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years Laura Walker