National General Insurance operates as part of the Allstate brand. The company’s origins reach back to 1920, when it first offered auto insurance. Today, National General sells a range of insurance products, including home, auto, and recreational vehicle policies.
You might choose to cancel your current insurance policy for many reasons. For example, drivers who no longer qualify as high-risk may be able to find more affordable rates elsewhere. To cancel your policy with National General, you’ll need to call the company or a local agent to start the process.
You have the right to cancel your auto policy at any time, for any reason.1 To cancel your National General auto policy, you’ll need to call your local agent or a company representative at 1 (888) 293-5108.
The company doesn’t provide specific instructions about how to cancel on its website. It also isn’t transparent about cancellation fees. But the company’s terms and conditions say you may incur a cancellation fee if you cancel your policy before its expiration date.2
Follow the steps below to cancel your National General car insurance policy. If you aren’t sure how to cancel or if you have questions about your policy, contact your local insurance agent for help.
Look at your policy to determine when your current coverage ends. You can also find your renewal date in your online account or by contacting customer service. In most cases, you can cancel your current policy without fees or extra charges if you simply decline to continue your coverage.
A little extra planning can help ensure you don’t experience a lapse in coverage, which could be costly in the event of an accident or if you’re pulled over for a traffic violation. Every U.S. state except New Hampshire requires drivers to carry a minimum amount of liability coverage. If you cancel your policy early without having a new one in place, you risk a fee or a ticket for not having proper insurance coverage.
Before you cancel your auto insurance policy with National General, you want to have new coverage lined up. If you no longer plan to own a vehicle, you may still want to consider a non-owner policy for protection when you drive a rental or another person’s vehicle.
When shopping for a new policy, compare rates from multiple insurance companies. Rates vary between companies — sometimes widely — so doing a little extra research can really pay off. Make sure to consider both large and small companies. Smaller companies can often provide more coverage or more personalized customer service than large national insurers.
Once you’ve chosen your new company, you need to enroll your vehicle. Many companies provide online, in-person, and over-the-phone enrollment options.
Make sure you know what type of policy you want to purchase before beginning the enrollment process. While liability-only coverage typically comes with the lowest rates, you may be able to get full coverage or bundle policies (like home and auto) at a similar rate by choosing a different company.
Your new insurer will require some documentation to determine your premium and enroll you in coverage, including your:
Desired policy effective date
Date of birth
Vehicle identification number (VIN)
Payment info, such as your credit card number
Most insurers let you choose your policy effective date. You can set your new policy to start on the same day your National General policy ends, and that way you’ll avoid a lapse in coverage.
You should only cancel your policy with National General once you’ve secured new coverage. Ensuring you have coverage before canceling will protect you against potential fines and financial losses if you’re in an accident.
National General doesn’t provide clear instructions for canceling insurance coverage on its website. To cancel your policy, you’ll need to call National General at 1 (888) 293-5108 or speak to your local agent.
If you haven’t received notification about your cancellation within a few days, contact National General’s customer service for confirmation. If you cancel over the phone, the representative may provide a confirmation number. Keep this information in a safe place in case any issues arise later.
You may qualify for a refund, particularly if you cancel before your renewal date. If you’re expecting a refund, follow up if you haven’t received it within two to four weeks.
Saving money is one of the main reasons people switch insurance companies. Many different factors affect your rates, including your driving history, age, location, and type of car you drive.3
You can proactively help lower the cost of your coverage by maintaining a good credit, avoiding driving violations and accidents with safe driving practices, and looking for discounts through your employer and specialty programs. Purchasing a vehicle with a high safety rating and extra safety features may also help lower your rate.
In the table below, you can see what some other insurance companies charge for liability-only and full-coverage insurance compared to National General.
Finding the right car insurance for your needs ensures you and your family are protected. If you’re thinking about canceling your National General insurance policy, this additional information may help.
If you cancel your National General auto policy before your coverage renews, National General may charge you a fee. You can avoid this fee by keeping track of your renewal date and allowing plenty of time for your cancellation to process.
Yes. You can legally cancel your auto insurance at any time. But you may face a cancellation fee if you cancel your policy before your renewal date. You also risk fines and financial loss if you don’t have a new policy in place before you cancel your National General policy.
No. To cancel your National General policy, you must call the company at 1 (888) 293-5108.
To make sure that your National General insurance policy has been canceled, you can ask your agent or the representative you speak with to send you a confirmation email. You’ll also want to check your bank account if you had your payments set up automatically to make sure that National General is no longer charging you for coverage.
It’s not clear whether National General has a grace period for non-payment. The company’s terms and conditions state that it may charge you a late fee if you don’t make your premium payments on time. Contact National General or your local agent for more detailed answers to your payment questions.
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