National Motor Club Car Insurance Review

When you compare car insurance quotes from different car insurance companies you’ll learn that a regular car insurance policy offers protection by providing liability and damage compensation for your vehicles in case of an accident, theft or similar insurable event. However, there are other forms of protection that can bring you peace of mind by adding to your conventional car insurance.

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These supplemental types of protection are the focus of automobile clubs such as the National Motor Club. Founded in 1956 in Irving, Texas, the National Motor Club provides drivers like you with services that complement your regular car insurance, such as comprehensive roadside assistance and supplemental medical benefits.

Although the National Motor Club does solicit partnerships with regular insurance companies to provide combined insurance and roadside assistance packages, you can most easily access its wide array of services by joining the club directly and paying a moderate monthly fee. Read on to learn more about the National Motor Club and its menu of services and benefits so that you can decide if the added protection it offers is right for you.

Why Join a Motor Club?

Private motoring clubs were among the earliest advocates for a safe, user-friendly network of roads across our nation more than a century ago. Their purpose has always been to provide automobile travelers with a sense of belonging — the security of knowing that you are not alone on the road, and that you instead are part of an organization of like-minded travelers who have joined together for mutual protection and roadside support. The idea has taken off in a big way over the last 100-plus years, to the point where roadside assistance programs are now commonplace. With more than six million members and 45,000 affiliated roadside service providers, the National Motor Club is considered the largest individual private motor club in the country. Let’s take a look at what the National Motor Club has to offer.

The National Motor Club’s Available Services

The National Motor Club’s three membership levels are available in most states at a cost of $9.00, $14.00 and $18.00 per month respectively. All three membership levels provide you with the following: unlimited roadside assistance; trip planning and reservations; emergency travel assistance and reimbursement up to $500; bail bonds up to $25,000; travel, prescription drug and vision care discounts; personal accident coverage; emergency benefits up to $700; a daily hospital benefit up to $150; an accidental death benefit up to $10,000; a $5000 stolen vehicle reward offer; and a small attorney fee reimbursement. Identity theft protection or auto service discounts are also available for the top membership price, depending on your state. If you’re interested in becoming a member, carefully read the club’s membership benefits guides since some restrictions do apply, and a few services are unavailable in some states.

Let’s zero in for a moment on the National Motor Club’s unlimited roadside assistance to get an idea of the level of service you could expect. This includes unlimited towing per year, whereas the better-known AAA sets limits and restrictions on the amount of towing available annually to members. The National Motor Club’s roadside assistance also includes the usual services such as tire change, battery boost, unlocking your car, replacing a lost key, gas delivery and getting your vehicle unstuck. Another perk is that the National Motor Club offers delivery of parts to your breakdown site together with onsite parts installation. The National Motor Club’s thorough list of services is a strong indication of its commitment to its niche market of value-added supplemental protection for car travelers.

The National Motor Club’s Other Brands

The National Motor Club extends its protection beyond automobiles to trucks, RVs and horse trailers through its Coach-Net, Auto-Net and EquiPass brands, among others. This group of brands reinforces the mandate and focus of the National Motor Club, which is primarily on-the-road protection together with supplemental related benefits and services. Coach-Net is a familiar name in RV protection, and provides a wide array of benefits specifically designed for RV travelers, all at very reasonable rates. These services come with dedicated RV master technicians and include towing, tire assistance, fuel delivery, jump starts, lockouts, mobile mechanics, personal owned or rented car and motorcycle coverage, travel planning, emergency assistance and various cash benefits.

More About the National Motor Club

The National Motor Club is not a traditional insurance company, so you won’t find it rated by A.M. Best or Standard & Poor’s. The Better Business Bureau of Dallas and Northeast Texas gives it an A+ rating, which is a measure of the National Motor Club’s legitimacy as a business entity and its good record of handling customer service complaints in a professional manner. The Better Business Bureau has a very low volume of complaints on record for the National Motor Club — fewer than ten in all.

The National Motor Club is currently based in Dallas, Texas, and actively recruits independent agents to market its services and assist members. Agent compensation is commission-based, and agents become stake-holders in the company after ten years. In addition, the National Motor Club solicits partnerships with insurance companies, other motor clubs and associations, RV dealers, original equipment manufacturers and others to develop targeted service packages.

If you’re interested in what the National Motor Club has to offer, make sure you aren’t already covered through your car dealer or your primary car insurance policy. Look over the membership costs and benefits, and decide if you do enough driving to make it worthwhile to become a National Motor Club member. If you do a lot of driving, like a high level of protection, or own an RV, the National Motor Club may be a good fit for you!

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