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GMAC Auto Insurance
As a subsidiary of General Motors Acceptance Corporation (well-known car maker General Motors' automobile financing unit), the company offers insurance in both the preferred and nonstandard automobile insurance markets.
GMAC Insurance has more than 100 offices worldwide and has approximately a million policyholders through over 10,000 independent agencies across the United States. The company's main focus is on selling specialty insurance products for cars, commercial vehicles, and motorcycles, primarily for drivers who do not qualify for standard insurance.
GMAC auto insurance discounts in California:
- Mature Driver course discounts of 5%
- Multi car discount of 18%
- Multi-policy discount of 5%
- Group programs 8-10%
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GMAC does not give discounts in California for:
- Anti-lock brakes
- Drivers training
- Good student discount
- Air bag discount of
- Anti-Theft Device
- Low mileage
- Mature drivers
- Daytime auto running lights
- Low mileage
- Passive restraints (seat belts)
Comparison of Auto Insurance Carriers & Brokers
| Carrier Name | Pay by mile? | JD Powers Claims paying |
JD Powers Rates Out of 5 |
JD Powers Overall Out of 5 |
Editor Rating |
|---|---|---|---|---|---|
| 21st Century | Yes | 2 | 3 | 2 | |
| AAA | Yes | 2 | 2 | 2 | |
| AIG | No | *NR | *NR | *NR | |
| Acceptance Ins. | No | *NR | *NR | *NR | |
| American Family | No | 4 | 3 | 3 | |
| Affirmative Insurance | No | *NR | *NR | *NR | |
| Allied | No | *NR | *NR | *NR | |
| Allstate | Yes | 3 | 2 | 3 | |
| Ameriprise | No | No | 5 | 4 | |
| Amica | No | 4 | 5 | 5 | |
| California Casualty | No | *NR | *NR | *NR | |
| Coast National | No | *NR | *NR | *NR | |
| CSAA | No | 3 | 4 | 3 | |
| Direct General | No | *NR | *NR | *NR | |
| Electric Insurance | No | *NR | *NR | *NR | |
| Encompass Insurance | No | 2 | 2 | 2 | |
| Erie | No | 3 | 5 | 4 | |
| Esurance | No | 2 | 3 | 2 | |
| Explorer | No | *NR | *NR | *NR | |
| Farmers | No | 2 | 2 | 2 | |
| Geico | No | 3 | 4 | 3 | |
| GMAC | Yes | *NR | 3 | 2 | |
| The Hartford | No | 4 | 3 | 3 | |
| The Hanover | No | 3 | 2 | 2 | |
| Horace Mann | No | *NR | *NR | *NR | |
| Infinity | No | *NR | *NR | *NR | |
| Liberty Mutual | Business | 3 | 3 | 3 | |
| Mercury | No | 3 | 3 | 2 | |
| Metlife | No | 3 | 3 | 2 | |
| MileMeter | Yes | *NR | *NR | *NR | |
| Nationwide | No | 3 | 2 | 2 | |
| New Jersey Manufacturers | No | No | 5 | 5 | |
| Progressive | Yes | 3 | 3 | 3 | |
| Prudential | No | *NR | *NR | *NR | |
| Safeco | No | 3 | 3 | 3 | |
| Safeway | No | No | Yes | *NR | |
| State Farm | Yes | 4 | 3 | 4 | |
| Titan | No | No | No | *NR | |
| Travelers | No | 3 | 3 | 2 | |
| Unigard | No | *NR | *NR | *NR | |
| Unitrin Direct | No | *NR | *NR | *NR | |
| USAA | No | 5 | 5 | 5 | |
| Viking | No | *NR | *NR | *NR | |
| Wausau | No | *NR | *NR | *NR | |
| Wawanesa | No | *NR | *NR | *NR | |
| Western General | No | *NR | *NR | *NR | |
| Western United | No | *NR | *NR | *NR | |
| Workmens | No | *NR | *NR | *NR | |
| Carrier Name | Pay by mile? | JD Powers Claims paying |
JD Powers Rates Out of 5 |
JD Powers Overall Out of 5 |
Editor Rating |
- Acceptance Insurance services AZ, AR, CO, GA, IL, IN, IA, NE, ND, WI
- CSAA or California State Automobile Association services Northern California, Nevada, and Utah
- Esurance services only AZ, CA, CO, CT, FL, GA, IL, MD, MI, MO, NJ, NV, NY, OH, PA, TN, TX, VA, WA, WI, & MN
- Mercury services only AZ, CA, FL, GA, IL, MI, NJ, NY, NV, OK, PA, TX, & VA
- Viking Insurance is available in the following states: Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin and Wyoming.
Written by Craig J. Casey
Financial Writer helping people with their insurance problems on the net since 1998.
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