Auto Insurance: General's Cost Unveiled

The General Insurance is a Nashville-based insurance company that has been in business since 1963. The company provides car insurance for high-risk drivers who struggle to find affordable coverage due to poor credit history, bad driving records, or past insurance lapses. The General offers flexible payment plans, first-class customer service, and affordable rates for drivers regardless of their history.

The General's car insurance quotes are commitment-free and can be obtained online in under 2 minutes. The company provides coverage in 46 states and Washington, D.C. The average cost of full-coverage car insurance from The General is $2,567 per year, while the average premium for minimum coverage is $1,294 per year. The General also offers various discounts, including good student discounts, multi-car discounts, and defensive driving course discounts.

While The General caters to high-risk drivers, individuals with clean driving records may find cheaper rates and more coverage options with other insurance providers. The company has also received a high number of customer complaints regarding its customer service, billing, and claim handling.

The General's insurance costs for high-risk drivers

The General specializes in providing car insurance for high-risk drivers. While the company's rates tend to be more expensive than average, it has better customer service than many other non-standard companies and is available in almost every state.

The General serves drivers who are considered high-risk due to their age, with specialized policies for those who are 70 years old or older, and those who are 20 years old or younger. The company also provides insurance for drivers with a history of auto accidents, violations, or DUIs, as well as those who have had their license suspended or revoked and require an SR-22 policy for reinstatement.

The cost of The General's car insurance depends on several factors, including the type and amount of coverage needed, as well as the driver's age, credit history, and family insurance exclusions. The company offers a variety of coverage options, including liability, collision, comprehensive, and full coverage.

The General also provides several discounts that can help offset the cost of insurance for high-risk drivers. These include:

• Defensive driving discounts for completing a defensive driving course within the last five years.
• Double Deductible discount, which offers lower rates in exchange for doubling the insurance deductible for 45 days.
• Good student discount for students with high grades.
• Homeowners discount for drivers who own their home.
• Multi-car discount for insuring more than one vehicle with The General.
• Multi-policy discount for bundling multiple types of insurance with The General.
• Pay-in-full discount for paying the policy all at once.
• Safe driving discount for drivers with no accidents or violations for at least three years.

While The General typically isn't the cheapest option for car insurance, it specializes in providing coverage for high-risk drivers who may have difficulty finding affordable insurance elsewhere.

The General's insurance costs for low-risk drivers

The General Auto Insurance is a good option for high-risk drivers who have problems finding affordable coverage due to their poor credit history, bad driving record, or past insurance lapses. The company provides auto insurance coverage for high-risk drivers that other insurance companies won't insure. This includes drivers who:

• Have never been insured
• Have had a lapse in their prior coverage
• Have had accidents and/or violations in the past
• Are considered high-risk due to their age (under 21 or over 70)

The General offers a range of coverage options, including liability, collision, comprehensive, and full coverage. They also provide flexible payment options, low down payments, and quick and easy claims processing.

While The General caters to high-risk drivers, low-risk drivers may find that the company has very expensive premiums. The General has fewer discounts than some competitors, so low-risk drivers might find cheaper coverage with another insurer.

The cost of The General's auto insurance depends on several factors, including age, credit history, driving record, and location. Low-risk drivers can expect to pay lower premiums than high-risk drivers. To get an accurate quote, individuals can enter their ZIP code, age, credit history, and family insurance exclusions on The General's website.

The General's insurance discounts

The General Auto Insurance is a Nashville-based company that has been in business since 1963. It provides car insurance for high-risk drivers, including drivers who need an SR-22 form, which proves that they have sufficient car insurance. The General caters to drivers with poor credit history, bad driving records, or past insurance lapses.

Multiple Vehicle Insurance Discount

Insuring multiple vehicles on a single policy can unlock discounts. The exact discount amount may vary depending on the state and the number of vehicles insured.

Safety Features Discount

The General offers discounts for vehicles equipped with certain safety features. This discount encourages drivers to prioritise safety and can help reduce the overall cost of insurance for those with safer cars.

Recent Auto Insurance Discount

If you have had auto insurance in the last five years, even with a different company, The General will offer you a discount. This discount rewards drivers for maintaining continuous insurance coverage.

Good Student Discount

Students or parents of students with good grades may be eligible for a discount on their auto insurance policy. This discount recognises and rewards academic achievement and encourages students to maintain good grades.

Defensive Driver Course Discount

Completing an accredited defensive driving course can result in a discount on your premium. This discount incentivises drivers to improve their skills and knowledge, potentially making them safer on the road.

Clean Driving Record Discount

Maintaining a clean driving record for 3-5 years can lead to a discount. This discount rewards drivers for their safe driving behaviour and reduces their insurance costs.

The General also offers a "Double Deductible" discount for new customers. By agreeing to double their deductible amount for comprehensive and collision coverage during the first 45 days of their policy, customers can lower their premium. Additionally, The General provides a Safe Driver Discount program that tracks driving habits through an app, potentially resulting in lower insurance premiums for safe drivers.

The General's insurance customer reviews

The General Insurance is a licensed car insurance agency based in Nashville, Tennessee. It has been in business since 1963 and has insured over 1 million drivers. The company provides auto insurance for high-risk drivers who have difficulty finding affordable coverage due to their poor credit history, bad driving record, or past insurance lapses.

The General Insurance has received largely positive reviews from its customers, with an average rating of 4.7 out of 5 stars based on over 90,000 reviews on Trustpilot. Many customers have praised the company for its affordable premiums, easy claims process, and good customer service. Here are some examples of positive reviews from The General's website:

> "Great service, and easy to apply, I would recommend the General to all of my friends and Family."

> "Speedy and easy claim processing. Definitely recommended!"

> "The General provided a lower rate than the insurance company I've been with for years!"

> "Quick and easy. Low rates. The one time I had to submit a claim they were pleasant and helpful."

> "It was EASY and the MOST affordable around! Thanks General!"

> "Always there when I need them. Always great customer service. Always perfect quote."

> "Wonderful service on the phone very polite and helpful."

> "During these hard times it’s nice to know there is an insurance company lending a helping hand without sacrificing service."

> "Affordable insurance, plenty of payment options, easy to apply."

> "More affordable for me, welcomed me back after my insurance lapsed."

> "The General helped when no one else would!"

> "The General has always worked with us through anything. Very friendly service every single time. We'll never switch."

However, it is important to note that The General Insurance has received some negative reviews as well. According to the National Association of Insurance Commissioners (NAIC), the company has received more customer complaints than expected for its size. Some customers have complained about difficulty cancelling their policies, poor communication, and high prices. Here are some examples of negative reviews:

> "I tried repeatedly to cancel, but the policy was not cancelled. They added another month's charge to my account, which I don't owe because I had other insurance. Despite my explanations, the cancellation was not processed."

> "The company needs to have better consultants who can communicate effectively with customers."

> "Their prices are high. I am going to cancel my policy. I can get the same coverage with another company for half the price."

> "I'm still searching for cheaper full coverage."

> "I called the general this morning to request a partial payment and the female on the phone said I could not and that I had a remaining balance of $8.00 that I owed. I explained that I paid 2 months in advance and how could that be. She asked me how much would I like to pay and I said $200 and she said I needed to pay $208.00."

> "I’d give them a 0 if I could! Worst insurance company ever. You’re only covered in the state of purchase & they want a new down payment if you move to a neighboring state which is absurd!"

> "I had a quote with this company. I canceled it. I thought it was the end of it. Later on, I received a collection letter saying that I owe them money because my policy was lapsing. Worse, when I spoke to the customer rep, she couldn’t explain this, and she decided to go silent on the phone. I would not advise anyone to do business with these people."

Overall, while The General Insurance has received positive reviews for its affordability and customer service, there are also a significant number of complaints about the company's pricing, communication, and claims process. It is important for prospective customers to consider both the positive and negative reviews before making a decision.

The General's insurance coverage options

The General offers a range of insurance coverage options, including liability, collision, comprehensive, and full coverage.

Liability insurance covers damage caused by the at-fault driver to people and vehicles. This is the minimum amount of insurance that every driver must have. It does not cover the insured person's medical expenses, lost wages, or car repairs.

Collision insurance covers the cost of repairs or replacement of the insured person's car after a collision.

Comprehensive insurance covers damage to the insured person's car caused by anything other than a collision, such as theft, vandalism, hail, or a fallen tree.

Full coverage includes comprehensive and collision insurance, as well as uninsured or underinsured motorist insurance. This covers the insured person's costs if they are in an accident with a driver who does not have insurance or does not have enough insurance.

The General also offers rideshare insurance in California and Arizona, gap insurance in California and Washington, and accidental death coverage in Tennessee, Colorado, Pennsylvania, South Dakota, and Arizona.

In addition, The General can provide an SR-22 insurance form, which proves that a driver has sufficient car insurance. This form may be required by the state if a driver has been convicted of a DUI or another serious traffic offense, or if their license has been suspended or revoked.

The General also offers a Safe Driver Discount program, which uses an app to track driving habits and can result in lower insurance premiums.

Overall, The General provides several coverage options, but they are limited compared to other insurance companies.

Frequently asked questions