How to Cancel Your National General Auto Insurance Policy in 6 Easy Steps (2023)

Formerly known as GMAC Insurance, National General Insurance Company (NGIC) was founded by General Motors. If you have a National General auto insurance policy, you’re not tied down to it forever. You may cancel it at any time if your circumstances change and you prefer a different car insurance provider for lower insurance rates or better service, for example.

With our car insurance quote comparison, you can easily shop around for auto insurance plans from the leading providers like State Farm, Allstate, Progressive, and Liberty Mutual. You don’t have to sign up or pay a dime. Within minutes, you can receive personalized quotes and find the ideal option for your unique budget and needs.

National General Cancellation Policy

Canceling your auto insurance coverage with National General is easy. You can do so via email, by phone, or in person at a nearby location. When you do so, make sure you have your policy number on hand. No matter which option you choose, an agent will walk you through the process.

Depending on when you cancel, you may also have to pay a cancellation fee. This can be anywhere from $10 to $50. If you’re owed a refund, they’ll deduct the fee from that.

Step 1: Look Up the Renewal Date

Ideally, you’d cancel as close to your renewal date as possible. This way, you’ll avoid a coverage gap, which may be a serious issue if you get pulled over or are involved in a car accident. To check your renewal date, you can look at your National General insurance ID card. You may also reach out to the company directly.

Of course, you have the freedom to terminate at any time. Just know that doing so within weeks of your renewal date will likely streamline the process of getting a new car insurance plan. It can also reduce the risk of penalties that stem from a lapse in coverage.

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Step 2: Compare Car Insurance Quotes

Since there are countless car insurance companies on the market, it’s in your best interest to shop around and compare coverage options and deductibles. While it may be tempting to only look at big-name companies like USAA and Travelers, it’s also worth exploring smaller providers, such as Mile Auto and Metromile.

With Insurify, the process couldn’t be any faster or easier. Once you answer a few questions about your vehicle and driving history, you’ll receive personalized quotes that are ideal for your specific situation. If an offer piques your interest, Insurify will direct you to the auto insurance company’s website so you can complete the process.

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National General Quotes vs. Competitors

Step 3: Think about Why You’re Leaving National General

There are a variety of reasons you might want to cancel your National General car insurance policy. You may be disappointed with a slow claims process. Or perhaps your budget is tighter than usual, and you need to save money with lower insurance premiums.

In addition, you may want to switch to the company you use for your homeowners insurance, renters insurance, life insurance, RV insurance, or health insurance so you can lock in a good discount. While you don’t have to share your reasoning with National General, you should understand it yourself.

This will make it easier for you to find a new policy because you’ll have a clear idea of what you’re looking for. It will also give you the peace of mind of knowing you’re making a smart decision for your specific budget and needs.

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Step 4: Secure a New Policy

Before canceling your National General auto policy, make sure you lock in a new one using Insurify’s handy tool. When you do your research, compare apples to apples. For example, if you’d like basic liability coverage, look at liability insurance across the board. It doesn’t make sense to compare Progressive’s liability plan with GEICO’s comprehensive coverage.

With a new car insurance policy in place, you can ensure you’re driving legally, as auto insurance is required in every state except for New Hampshire. You’ll also be able to avoid a lapse in coverage, which can lead to a significant financial burden if you get involved in a car accident. You might also qualify for continuous insurance discounts and save some money.

Step 5: Cancel Your National General Policy

Once you find a new car insurance policy with Insurify, it’s time to terminate your current plan. While National General doesn’t let you cancel on its website, you can email a cancellation notice to [email protected]. Another option is to fax your written cancellation to 1 (888) 344-3232.

You may also call National General’s customer service directly at 1 (888) 293-5108 or go through the process in person with your insurance agent. In addition, National General accepts cancellations via mail. If you prefer this option, mail your notice to National General Accident & Health, PO Box 1070, Winston-Salem, NC, 27102-1070.

When you write your cancellation notice, be sure to include the following information:

• Your first and last name

• Your policy number

• The phrase “request to cancel” in the subject

• Information about your new car insurance plan and its effective date

• Your signature

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Step 6: Follow Up on Your Refund

Unless you cancel your National General auto insurance on your renewal date, you’ll likely be owed a refund. If you paid for your plan via credit card, you may receive a credit to your account as soon as the same day you cancel. If you used your checking or saving account, it will arrive via check in two weeks.

When you terminate your policy, don’t hesitate to speak to National General customer service or an agent to confirm your refund. National General Insurance reviews state some policyholders had to wait a while to receive it. If you’re eligible for a refund but don’t see it within a few weeks, reach back out to the company for a status update.

Canceling Your National General Policy

Even if National General has served you well in the past, all good things must come to an end. If you need to terminate your policy for any reason, don’t feel bad about doing so. Just make sure you’ve secured a new plan. With our car insurance quote comparison, you can connect to the best auto insurance for your new circumstances. There are no sign-ups or fees involved.

Frequently Asked Questions