Is The General Car Insurance Cheap – Almost all states require drivers to have auto insurance, so forgoing it isn’t an option—even if you have trouble finding an insurance company willing to issue you a policy. Nashville-based insurance company The General may be an option for hard-to-insure drivers looking for the right auto insurance for their needs.
The General Company provides cover for high-risk drivers and drivers with poor driving records. Here’s what you need to know about The General, its prices, discounts and reputation.
Is The General Car Insurance Cheap
General has provided insurance coverage since its inception in 1963 under the name Permanent General Agency. It was not until 1997 that the company started selling insurance under the name Il-General.
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Based in Nashville, Tennessee, The General also operates regional call centers in Arizona, Louisiana and Ohio. In addition to its auto coverage, The General offers a full range of insurance types including:
The General claims to have affordable car insurance rates and focuses on quality customer service. It is also known to provide coverage to people with bad credit and driver’s licenses. The company sells insurance primarily online or by telephone. Prospective customers can receive a personalized auto insurance quote online in minutes by providing some basic personal and vehicle information. Once you receive a quote, you can sign up and choose from the available policy options based on your needs.
Like other insurance companies, Il General makes profits through insurance premiums paid by its customers and by investing the premiums received.
Drivers must purchase at least the minimum amount of liability coverage required by their state or their car lender. General offers several types of auto insurance coverage for different needs, but its options are limited:
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You can request a quote online via the General’s website or by telephone. To get a quote, you must enter the type of insurance you want and your postcode. As you navigate through the quote process, you will need to provide additional personal and vehicle information. General and its partner providers consider other factors – such as your driving record, previous claims history and credit history – to determine eligibility and provide an accurate quote. It typically only takes a few minutes to receive an offer from the General.
You can also use an online quote comparison tool like , which allows you to quickly compare car insurance quotes from The General with other insurance companies in one place.
Car insurance requirements vary between states, as do insurance costs. Where you live will affect your car insurance premiums.
Below is a look at the cheapest auto insurance quotes with full coverage and liability only through The General, by state.
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Your driving record also contributes to how much you pay for car insurance. You can expect to pay more if you have had multiple moving violations instead of a clean driving licence.
Here’s a look at the average monthly premiums through The General for full coverage and liability only insurance based on driving records.
Disclaimer: Tabular data sourced from real-time quotes from over 50 partner insurance providers. Actual offers may vary based on the policy buyer’s unique driver profile.
Unfortunately, The General does not advertise any discounts on its website. To find out what discounts you may be eligible for, get a quote or talk to a representative.
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This is a clear disadvantage of regular auto insurance: Customers cannot effectively shop for auto insurance without potential discount information readily available. However, you can still reduce the cost of car insurance by removing certain coverage options or bundling policies.
The General does not advertise discounts for bundling multiple policies. Many insurance companies give a discount when collecting insurance. You can often save money by bundling your car insurance with other coverage, such as homeowner’s or renter’s insurance, under the same company.
The General has an A+ rating with the Better Business Bureau, but an insurance company is only as good as its reputation among its customers. Searching online for customer reviews and ratings can give you a better sense of how customers view the company and how it responds to customer concerns.
Choosing the right car insurance in this highly saturated market can be difficult. Here’s a look at how The General compares to the competition.
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It also offers more coverage options than you’ll find with The General. Not only does it offer liability coverage to meet state minimum requirements, but it also offers options such as uninsured and underinsured motorist coverage, medical payments, and personal umbrella policies. Allstate also offers more discounts than General, including discounts for safety equipment installed on your vehicle.
Allstate’s average premiums are cheaper than The General, at $212 a month for full coverage insurance and $146 for liability insurance. General’s average monthly quote is $451 for full coverage and $259 for liability-only insurance.
Like other insurers, Liberty Mutual has an advantage over The General because of its long list of advertised discounts, which make it easy for drivers to see how they can save on car insurance costs. However, the two companies are similar in that they both have an A rating from A.M. Best of all, it indicates their strong financial stability and solvency requirements.
Drivers can find cheaper rates with Liberty Mutual. General’s average monthly premiums are $451 for full coverage and $259 for liability insurance, while Liberty Mutual’s are $284 for full coverage and $198 for liability insurance.
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The insurance giant offers more types of coverage than The General, including optional coverage such as rental car reimbursement, roadside assistance and carpool coverage.
A car insurance claim is a request by the policyholder for compensation for a covered loss or incident. If you are in a car accident and it is not your fault, your insurance company provides financial assistance up to the policy limits for covered damages and losses, depending on your state.
Customers can file a car insurance claim with The General online, by phone or through their mobile app. When filing a claim, document the incident by taking pictures. Share details of the incident and other relevant information with the claims department.
Once you’ve filed a claim, an insurance adjuster will gather facts and documentation about the accident and decide if it’s covered. Once it has determined fault, the general negotiates with the other insurance companies to determine which company will pay for the damages and additional costs.
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Kevin Payne is a freelance writer and travel and family budgeting enthusiast behind FamilyMoneyAdventure.com. His work has appeared in Forbes Advisor, CreditCards.com, Bankrate, SlickDeals, Finance Buzz, The Ascent, Student Loan Planner and more. Kevin lives in Cleveland, Ohio with his wife and four teenagers.
Courtney’s deep knowledge of personal finance extends beyond insurance to credit cards, consumer loans and banking. She succeeds by creating actionable content.
Konstantin has led data teams in various industries, including insurance, travel and biology. He led the engineering team for over three years.
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High-risk car insurance can be hard to find, and when it is found, it’s usually so expensive that few can afford it. Fortunately, The General offers non-standard auto insurance policies with flexible coverage to help high-risk drivers get affordable auto insurance.
Not all insurance companies offer car insurance for all drivers, but The General provides the coverage you need at a price you can afford – even if you have a less-than-perfect driving record, policy expiration or even no advance coverage.
The General specializes in providing affordable auto insurance for high-risk drivers. Some insurance companies only offer affordable rates to drivers who have been insured before, are over 25 years old, under 70 years old and have a perfect driving record. But most of us don’t fit into these categories.
Most insurance companies are afraid of those under 25 or over 70, have a suspended or revoked license, need an SR22 file, have been convicted of a DUI, or have had multiple tickets or accidents. The General even offers affordable coverage for previously uninsured drivers
