Esurance vs. The General
You’ve narrowed your potential insurers to Esurance and The General. But which one should you pick?
Esurance is a relatively new player in the insurance market, founded in 1999. Since its inception, it’s gained a lot of traction through its accessible online insurance. Today, it’s owned by Allstate.
The General caters to drivers whom other insurers may classify as “high risk.” The company claims to provide affordable premiums, even though insurance for riskier drivers tends to be more expensive. In contrast to other high-risk insurance providers, The General maintains a stellar rating from the Better Business Bureau.
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 The General |  Esurance | |
|---|---|---|
| About the provider | The General specializes in budget-friendly insurance plans for drivers who may be deemed “risky” elsewhere. Conveniently selling directly to customers online, insurance can be approved and put a driver on the road in no time. | Esurance, the online insurance company, is making its name known in the car insurance world, offering affordable coverage for just about any of your vehicles. It takes pride in a hassle-free experience, and customers respect its low rates and excellent customer service. |
| Price | Policy costs depend your personal situation. Visit The General for a quote based on your specific needs. | Policy costs depend your personal situation. Visit Esurance for a quote based on your specific needs. |
| States served | 46 | 43 states |
| User satisfaction* | A+ | A+ |
| J.D. Power ratings** | N/A | 3/5 on overall claims satisfaction |
| Driver discounts | View driver discounts | View driver discounts |
| Vehicle discounts | View vehicle discounts | View vehicle discounts |
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
Driver discounts
Vehicle discounts
The General | Esurance | |
|---|---|---|
| Anti-theft device | 5-25% | |
| Anti-lock brake | 5% | |
| Passive restraints | 2-33% | |
| Air bag | ||
| Other discounts | New vehicle discount | |
Bottom line
If you have no trouble finding insurance, compare multiple providers. Esurance and The General promise low prices, but it’s always worth shopping around.
Both insurers cover about the same number of US states. Esurance covers 43 states, while The General covers 46.
The General is a lightweight in cost reductions, offering a discount only if you pay in full. Esurance, on the other hand, offers a pay-in-full discount as well as promotions like good-student, defensive-driver and good-driver discounts.
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