Main menu


How can I get the lowest auto insurance rates possible?

Typically, two factors affect monthly auto insurance rates: the deductible and the coverage limit. Learn how to get a better monthly rate and see if the choice is worth it or not:

  • Choose higher deductions - The deductible refers to the amount you agree to pay out of pocket before the insurance company takes over. So suppose it costs $ 650 to hit a guardrail for your vehicle. If you set your discount amount to $ 400, you will pay $ 400 and your insurance will cover the remaining $ 250. Generally speaking, choosing a higher discount will lower your monthly insurance rate; However, that could mean more compensation payments.
  • Choose Lower Coverage Limits - Your coverage limit is the maximum amount an insurance company will pay in a particular situation. Anything over this limit will be your financial responsibility. You choose the maximum amount. The higher the maximum you choose, the higher the monthly fee. So choosing a lower coverage limit will lower your monthly price. However, it is important to consider whether you have the ability to pay compensation that exceeds the coverage limit. If you don't, it would be better to choose an upper limit.

As much as we all want the lowest monthly rate possible, don't skimp on the safety and security your family needs. Find the right value that suits your coverage and pocket needs.


At National Insurance Company, our goal is to provide high-quality coverage at an affordable price. That is why we offer a number of discounts that will help lower your monthly payments. Check out the discounts below and see how you can save:

  • Safe Driver Discounts: Complete a defensive driving course (in some states) to lower your premium.
  • Low Mileage Discount: Save only select coverages by using electronic devices that track your miles.
  • Full Payment Discount - Lower your premium by paying upfront and in full.
  • Multi-Vehicle Discount - Save money when you insure more than one vehicle with us.
  • Recreational Cars and Vehicles in One Convenient Policy - Earn Up to 20% Multi-Vehicle Discount! And if your home and vehicle are involved in the same covered accident, you will only be liable for one opponent, not two.
  • Motorcycle Discounts - Get secure, multi-cycle discounts.
  • Affinity Discounts: The National General Insurance offers member discounts to a wide range of organizations.
  • Multi-Policy Discount - With multiple auto, home, or RV policies.
  • Paperless Discount - Save money by switching to electronic invoicing.
  • Anti-theft discount - If your vehicle manufacturer included anti-theft features in your vehicle or installed them after purchasing your vehicle, you may receive a discount on your premium.
  • Auto Pay Deduction - Enjoy a discount when you decide to switch to making automatic payments.