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NGM Auto Insurance Review

ngm auto insurance review

Every NGM Auto Insurance review has an assortment of positive elements that could lead you to believe they are one of the better providers in your area.

With a variety of policy options, they are a part of Main Street America and offer insurance to six different regions in the country.

In coordination with the other companies working alongside Main Street America, they can provide excess liability, auto, life, home, and specialty insurance.

About NGM Auto Insurance

Also known as National Grange Mutual, NGM is an auto insurance company that provides individual customers and business owners with an assortment of products to help cover their daily lives.

As earlier mentioned, the company works with Main Street America, which is where you’ll find all of the information you need about their available policies.

Established in 1923, the original purpose of the underwriter was to provide insurance that was affordable to Grange Fraternity.

Today, they have several policy options that are quite suitable for everyday drivers, especially if you want comprehensive coverage for an agreeable cost.

Another exciting aspect of their offerings is that they have insurance for specialty vehicles such as water vehicles.

NGM Quote Online

At this time, clients won’t be able to get an insurance quote online; instead, you will need to find an agent in your area and either call them or visit them in-person.

However, you can use the online “Find an Agent” tool to take a look at the representatives available in over 37 states.

The Pros

Drivers who are in the market for basic insurance are bound to be impressed by what is offered from NGM, especially if you want to meet your state minimums.

The three most popular types of coverage that they offer include bodily injury liability, property damage liability, and uninsured or underinsured motorist coverage.

With that said, there are other add-ons that you might qualify for to add to your primary policy.

Another advantage of their services is that every policyholder is applicable for a number of their discounts, which are specifically designed to help you save more.

In addition to the savings, there are rewards that you can obtain for being a consistently safe driver over your years of being insured.

By taking your driving habits, vehicle history, and loss history into account, your premiums could be substantially lower than you’d expect.

A few examples of the most considerable advantages to signing with NGM include:

  • Loan-Lease Protection
  • Accident Forgiveness
  • New Vehicle Replacement
  • Full Safety Glass
  • OEM Parts Replacement

What Customers Think of NGM

The vast majority of customers who have worked with NGM or Main Street America have noted they are one of the best insurance providers.

When it comes to reaching out to an independent insurance agent, you’ll have all of your questions answered thoroughly and promptly.

Some drivers have also noted their agents are quite helpful if you get into an accident or any other problems while insured.

Overall, their communication with policyholders is quite impressive, especially if you have to file a claim.

For simple issues, such as a cracked windshield, insured drivers have received a response within 24 hours, helping to reimburse the costs of an accident.

Also, you’ll appreciate how they offer an abundance of discounts if you bundle your policy with some of the other insurance products they offer.

Who Will Benefit the Most from NGM Auto Insurance

Most drivers are bound to benefit from NGM Auto Insurance, especially if you are a driver that is typically faced with higher premiums because of age and experience.

Fortunately, since this provider offers senior discounts to drivers above 65+ years of age, older individuals will be able to save more on their premiums.

Also, student drivers will have access to discounts, especially if they are added to their parent’s existing insurance policy.

If you’re on the hunt for affordable premiums and the perfect level of coverage, NGM is an excellent choice for most drivers.

However, they might not be as preferable to individuals with spotty records or who might be classified as non-standard.

Talking with an independent agent will give you an idea as to whether or not they are the right insurance company for your needs.

Things to Think About

The majority of NGM Auto Insurance reviews are positive, but there are a couple of concerns to take into consideration, as well.

When you take a look at the company’s BBB, they have an A+ rating; however, these ratings do not take customer reviews into account.

Unfortunately, out of 13 customer reviews, the company has one star.

Some drivers have noted that their policies have a lot of fine print in regards to hidden fees and fines, which is why you must go over your prospective plan with a fine-tooth comb.

Others have found that their commercial auto insurance is lacking and that their rental reimbursement is substantially lower than the costs available from car rental agencies.

Also, you may experience some delays with getting your vehicle repaired after an accident.

With that said, the inconveniences that some clients experience with NGM seem to be isolated, as the consensus is that the company is quite helpful and affordable.

Many have also suggested that when switching from a previous provider to NGM or Main Street America, their customer service experience became far better.

How to Contact NGM

Ideally, the best way to contact NGM is to use the specific contact info for your independent agent if you are a policyholder.

Prospective clients can quickly call their customer service department for comments or concerns at (866) 265-7908.

If you want to obtain a quote, you will need to contact a specific agent via this page.

Also, there is a general information phone number at (800) 258-5310 where you can find more information about prospective policies, the company in general, and what they may have to offer you.

Fortunately, once you become a policyholder, you can pay bills and submit claims online instead of having to contact them via phone.

NGM Auto Insurance Review: Final Thoughts

It can be quite convenient to have an insurance policy with the right amount of coverage at an inexpensive cost.

Fortunately, NGM Auto Insurance has a lot to offer to standard, senior, and young drivers looking for great coverage without breaking the bank.

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