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The General car insurance review February 2018

Shopping for car insurance can be overwhelming — especially if you’re a high-risk or otherwise “nonstandard” driver. You’ll find that many companies won’t cover drivers who have a history of traffic violations or accidents — affordably or at all.

The General claims to offer affordable coverage for nearly anyone in need of standard car insurance coverage.

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What is the General?

In business for 50 years, General Automobile Insurance Services aims to make car insurance affordable and accessible for all drivers. It offers coverage in 46 states and claims to accept even drivers with less-than-perfect credit or driving violations.

The General extends its services with the option to pay a down payment toward a policy to lower monthly costs. It will even assist with SR-22 filings for drivers with traffic-related offenses on their record.

What sets the General apart?

The General specializes in insuring “nonstandard” drivers — also known as high-risk drivers. Your anonymous online quote includes the minimum car insurance required for your state, with the option to pay more for additional coverage or benefits.

What is an SR-22?

What is an SR-22?
Sometimes called a Certificate of Financial Responsibility, an SR-22 is a form provided by your car insurance company to confirm that you have liability coverage. If you have no driving-related violations on your driving record, you likely do not need this form.

SR-22s are sometimes mandated by states or courts for drivers whose records include DUIs or DWIs, driving without insurance, repeat traffic offenses or revoked or suspended licenses. If you do need an SR-22, the court or your local DMV will notify you.

Pros and cons

Pros

  • Affordable coverage. If you’re a high-risk driver, many insurance companies either won’t cover you or will charge a lot for coverage. The General prides itself on covering high-risk drivers at modest prices.
  • Instant online access. Once you’ve paid for a policy, you can download and print your card immediately.
  • Prepayment discounts. If you prepay a full year, you can get a discount on your rate.
  • SR-22 filing assistance. This service is helpful for drivers who require this confirmation of liability coverage.

Cons

  • No-frills policies. The General keep costs down by offering the basics. You’ll pay for add-ons like medical payments coverage and roadside assistance.
  • Claims handled only by phone. You won’t be able to file a claim online or through an app, which may be an issue if you prefer instant results.
  • Limited coverage area. The General is licensed to write policies in 46 states only. If you’re outside its service area, you’ll need to look elsewhere for insurance.

The General auto insurance competitors

Rates last updated February 20th, 2018
Details Features
Esurance
Esurance
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
  • CoverageMyWay® helps you make smarter choices
  • Gain peace of mind with 24/7 claims service
  • Manage your policy on the go with Esurance Mobile
Get Quote More info
Allstate Auto Insurance
Allstate Auto Insurance
With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver.
  • Reward System for Safe Drivers
  • Bumper-to-Bumper Basics® Tool
  • Comprehensive Tools to Design a Customized Insurance Plan
Get Quote More info
Liberty Mutual Car Insurance
Liberty Mutual Car Insurance
Car insurance through Liberty Mutual will give coverage options for almost any situation.
  • Multi-car discount
  • Bundle discount for combining auto and home policies
  • New vehicle discount
Get Quote More info

What car insurance coverage does the General offer?

  • Bodily injury liability. This protects you if you injure someone with your car, but it doesn’t cover damage to you or your car.
  • Medical payments. For an additional fee, this pays for medical bills if anyone is injured in your car. You’ll pay a fee for this feature.
  • Uninsured motorists’ coverage. Covers you for damages and injuries caused by an uninsured driver.
  • Collision coverage. Pays for damage to your car when your car hits or is hit by another car.
  • Property damage liability. Protects you if your car damages someone else’s property.
  • Emergency roadside service. For an additional fee, helps you if your car breaks down and you need help.

Does the General offer other types of insurance?

No, the General specializes in writing auto insurance policies only.


Bottom line

The General prides itself on basic, affordable coverage for “nonstandard,” high-risk drivers. If you have a less-than-perfect record and live in a state that’s included in the General’s service area, it’s an ideal company to explore for low rates.

If you’re looking for more comprehensive coverage than this no-frills company can offer, explore the options available to fit your specific needs.

Get your personalized auto quote

Use our magical comparison tool to find providers with the best rates in your area.

Frequently asked questions about the General

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