The General Auto Insurance: What You Need to Know

If you're exploring auto insurance options, especially as a high-risk driver, The General Auto Insurance might be on your radar. Known for its approachable policies and focus on drivers with less-than-perfect records, The General offers a range of coverage options. This comprehensive guide delves into what The General Auto Insurance provides, who it's best suited for, and how it compares to other insurers.

What Is The General Auto Insurance?

The General Auto Insurance is a non-standard insurance provider specializing in policies for high-risk drivers. Established in 1963, The General has built a reputation for offering affordable and accessible coverage to individuals who might face challenges obtaining insurance elsewhere. With a user-friendly online platform and a focus on customer service, The General aims to simplify the insurance process for its clientele.

Who Is The General Auto Insurance For?

The General primarily serves drivers who are considered high-risk due to factors such as:

• Driving History: Multiple traffic violations, accidents, or a DUI conviction.
• Age: Young drivers under 21 or seniors over 70.
• Insurance Gaps: Lapses in previous coverage or no prior insurance history.
• Credit Score: Poor credit history affecting insurance eligibility.

By catering to these demographics, The General provides an avenue for drivers to obtain necessary coverage when other insurers might decline their applications.

Coverage Options Offered by The General

The General offers a variety of coverage options to meet state requirements and individual needs:

• Liability Insurance: Covers bodily injury and property damage to others if you're at fault in an accident.
• Collision Coverage: Pays for damage to your vehicle resulting from a collision, regardless of fault.
• Comprehensive Coverage: Covers non-collision-related incidents like theft, vandalism, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: Protects you if you're involved in an accident with a driver who has insufficient or no insurance.
• Medical Payments (MedPay): Covers medical expenses for you and your passengers after an accident.
• Personal Injury Protection (PIP): Similar to MedPay but may also cover lost wages and other expenses.
• SR-22 Filing: Provides the necessary documentation for drivers required to file an SR-22 form due to serious violations.

These options allow drivers to customize their policies based on personal circumstances and state requirements.

Cost of The General Auto Insurance

The cost of auto insurance with The General varies based on several factors, including driving history, location, age, and coverage level. On average:

• Minimum Coverage: Approximately $107 per month.
• Full Coverage: Approximately $208 per month.

It's important to note that these are average figures, and individual premiums may differ. High-risk drivers may find The General's rates competitive compared to other insurers willing to provide coverage under similar circumstances. 

Discounts and Savings Opportunities

The General offers several discounts to help policyholders save on premiums:

• Good Student Discount: For full-time students maintaining a B average or higher.
• Defensive Driving Course Discount: For drivers who complete an approved defensive driving course.
• Multi-Car Discount: For insuring more than one vehicle under the same policy.
• Safe Driver Discount: For maintaining a clean driving record over a specified period.
• Vehicle Safety Features: Discounts for cars equipped with factory-installed safety features like passive restraints.

These discounts can significantly reduce insurance costs, making coverage more affordable for eligible drivers.

Customer Reviews and Ratings

Customer experiences with The General are mixed:

• Positive Feedback: Many customers appreciate the ease of obtaining a quote and the company's willingness to insure high-risk drivers.
• Criticisms: Some policyholders report challenges with customer service and claim processing.

It's advisable for potential customers to read reviews and consider personal priorities when evaluating The General as an insurance provider.

Pros and Cons of The General Auto Insurance

Pros:

• Specializes in high-risk auto insurance, providing options for drivers with challenging records.
• Offers a quick and straightforward online quote process.
• Provides essential coverage options, including SR-22 filings.

Cons:

• Customer service experiences vary, with some reports of delayed claim processing.
• Premiums may be higher compared to standard insurers for drivers with clean records.

How to Obtain a Quote from The General

Getting a quote from The General is a simple process:

1. Visit the Website: Go to The General's official website.
2. Enter Basic Information: Provide details such as ZIP code, vehicle information, and driving history.
3. Review Quote: Receive an estimated premium based on the information provided.
4. Customize Coverage: Adjust coverage options to fit your needs and budget.
5. Purchase Policy: If satisfied, proceed to purchase the policy online.

The General's online platform allows for quick comparisons and immediate policy issuance, making it convenient for drivers needing prompt coverage.

Final Thoughts

The General Auto Insurance may not be the perfect fit for every driver, but for those navigating high premiums, past driving mistakes, or gaps in coverage, it offers a lifeline. With flexible policy options, quick quotes, and a focus on accessibility, The General remains a viable option in the world of non-standard auto insurance. Just be sure to weigh the pros and cons, compare quotes, and understand exactly what you're getting—especially if you're relying on coverage to protect your financial future.

Still exploring your options or unsure what level of coverage you need? Head over to the Noble Quote Learning Center for more guides, reviews, and smart tips to help you drive with confidence and peace of mind.