Auto Insurance Products

The products and services offered at GMAC Insurance provide an outstanding customer experience – not focused on the insurance policy, but on the person and his or her needs. GMAC Insurance underwrites the full spectrum of drivers – young to old and of all driving experiences and histories – with services that can better assist customers in their daily lives. What's more, GMAC Insurance covers personal vehicles beyond cars, offering insurance for motorcycles, boats, ATVs and RVs too.

• Complete Claims Service Satisfaction, or we'll waive your deductible, up to $250 ($1,000 for GM Family Members and Supplier employees).
  
  
• Discounts for current GM/GMAC customers and for active OnStar subscribers.
  
  
• Savings.  Customers who switch are saving an average of $335.98 per year.†
  
  
• 24/7 Claims Service with most minor claims paid within 48 hours.
  
  
• Emergency Expense Allowance of up to $500.
  
  
• Optional Nationwide Towing to the nearest repair facility.
  
  
• SmartReplacement Program. After a claim, we can refer you to an expert who will quickly search for the exact car you want. In other words, we'll do all the legwork. Plus, you’ll benefit from our special GM-in-the-driveway pricing.
  
  
• No Charge for New Parts in Collision Repairs. For collision repairs, many other companies will pay only a depreciated value on parts that are subject to wear and tear, like tires, batteries, and brakes — leaving you to pay the difference. Not us. For collision repairs, you'll only pay your deductible — even if we replace a depreciated part with a brand new one.
  
  
• Our SmartParts Promise. After a collision, your current auto insurer might not pay for repairs with original equipment manufacturer (OEM) parts. They might use aftermarket parts that could compromise the warranty on your car. But GMAC Insurance guarantees that only OEM parts will be used for collision repairs, at no extra charge!¹
  
  
• SmartDrive Program (optional). With many insurers, you must make your own arrangements for a rental car, then settle for reimbursement of a fraction of your car rental expenses. But with SmartDrive, you simply call our toll-free claims hotline, and we take care of the rest. We'll pick you up and provide a full-sized rental car. You'll never even see a bill.²
  
  
• SmartInspect. The last thing you need to worry about after a collision is if your vehicle will be restored to its pre-accident condition. With SmartInspect, our post-repair inspection program, you‘ll have peace of mind knowing that your vehicle has received the highest quality repairs. All you have to do is ask your
  GMAC Insurance claims representative for SmartInspect, and we’ll perform an in-person inspection wherever it’s convenient for you — at the repair shop, at your home, or at your job — and at no extra charge.³
  
  

The difference between GMAC Insurance and cheap car insurance is in the coverages we offer and the way we handle your claim. At GMAC Insurance, we keep your life moving.