The General car insurance [Review] | finder.com

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The General car insurance review

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Affordable coverage for nearly any driver

  • Get a quote if you want cheap rates for a no-frills auto insurance policy.
  • Pick something else if you have a good driving record or want extra perks.
  • Drivers with a history of accidents or claims or who need an SR-22 can get coverage.

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Roadside assistance Optional
Pay schedule 12 months, monthly
Claims methods phone
New car protection No
Accident forgiveness No

Pros

  • Affordable coverage
  • High risk drivers okay
  • Instant online access
  • Available in 46 states

Cons

  • No-frills policies
  • Claims handled only by phone
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount No
Good student discount Yes
Loyalty discount No
Homeowner discount Yes
Military discount Yes
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts
Rideshare coverage No
SR-22 coverage Yes
Temporary & short term coverage No

The General car insurance rates

CANYTX
18 year old male$1,631$5,309$3,710
18 year old female$1,824$4,952$3,275
25 year old male$965$3,565$1,036
25 year old female$965$3,664$952
35 year old male$589$2,363$658
35 year old female$645$2,981$692
45 year old male$565$2,297$628
45 year old female$639$3,291$720
56 year old male$713$2,152$564
56 year old female$792$2,364$561

Where is The General car insurance available?

The General offers coverage in 46 states and claims to accept drivers with less-than-perfect credit or driving violations. The General’s auto insurance policies are issued through a network of independent agents and online. Its service area reaches from coast to coast, providing coverage in 46 states. However, if you live in any of the following states, you may need to look elsewhere:

  • Hawaii
  • Massachusetts
  • Michigan
  • New Jersey

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.
  • No fault. With no-fault insurance, both parties of an incident are compensated by their own insurance companies, regardless of who was at fault.
  • 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.
  • SR-22. An SR-22 certificate of insurance helps drivers with a history of driving infractions or suspended licenses get back on the road.

What discounts can I get with The General?

Although The General specializes in no-frills auto insurance for high-risk drivers, it does offer a few standard auto insurance discounts.

  • Lump sum payment. Get a discount for paying your policy premiums in a single, lump sum payment rather than in installments.
  • Deductible doubling discount. Get discounted rates when you double your deductible for the first 45 days of your policy.
  • Multi-vehicle discount. Get a discount for insuring multiple vehicles under the same policy.
  • Select driver discount. You may be able to get a discount if you only allow specific drivers to operate your vehicle. However, they must have at least five years of driving experience and a clean driving record.
  • Defensive driving discount. Drivers who complete an approved defensive driving course may be able to get discounted rates.
  • Airbag discount. You may be able to get a discount if your car is equipped with factory-installed airbags.
  • Anti-lock discount. Get a discount if your vehicle is equipped with anti-lock brakes.
  • Homeowner discount. Get a discount on your auto insurance policy just for owning a home.
  • Military discount. Active service members living in Louisiana may be able to get discounted rates.
  • Transfer discount. You may be able to get a discount when you switch to The General if you’ve had six months of continuous coverage from another provider.

Pros and cons of The General car insurance

It offers a variety of no-frills coverage options including basic liability, no-fault, uninsured motorist, and more. While its policy offerings are more limited than some of its competitors, its parent company, American Family, might have something better suited for your needs.

Pros

  • Coverage for high-risk drivers. 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, although it could come with a higher premium.
  • Instant online access. Once you’ve paid for a policy, you can download and print your card immediately.
  • 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 discounts. Although The General does offer a few standard auto insurance discounts, other providers offer many other ways to save.
  • Website lacks information. The General’s website lacks specific information about coverage options, discounts, features and more.

How to apply for The General car insurance

To get car insurance coverage with The General, start by getting a quote online, calling to speak with a representative, or connecting with an agent.

Online

  1. Visit The General’s website and enter your zip code. Click “Get quote”.
  2. Enter general information about your location, credit, and prior insurance. Click continue.
  3. Enter your driver information (Date of birth, marital status, etc.). Click continue.
  4. Enter your vehicle information (Year, make, model) then click continue.
  5. Review coverage options and policy details, then continue if you are satisfied.
  6. Create a password and enter your contact information, then continue.
  7. Enter your garaging/parking address, then continue.
  8. Answer the application questions, then continue.
  9. Enter driver details including license number, SSN and full name, then continue.
  10. Enter your vehicle details and VIN, then continue.
  11. Review all policy details, then continue when you are ready.
  12. Enter your payment information and proceed to purchase your policy.

Phone. You can also purchase coverage by contacting The General by phone. Whether you need help finishing your quote or prefer to deal entirely by phone, start by calling 1-866-519-7422.

Agent. Use the agent locator tool on The General’s website to find out how to apply for coverage through an agent.

What do customers say about The General?

The General has an official accreditation on the BBB website and boasts an impressive A+ rating to match. It also holds a composite score of 3.92 of a possible 5 stars, based on its letter grade and customer reviews. Despite its ratings, there are over 200 customer complaints on the BBB website, citing issues with billing, unauthorized payments, denied claims, and more.

Keep in mind that online customer reviews don’t always tell the entire story. Most customers will only go online if they have an overwhelmingly negative experience, which is why you won’t see as many positive reviews. Take these customer reviews with a grain of salt, and try to speak with friends and family to learn about their experience with the company.

How to contact The General

You can contact The General by phone at 1-844-328-0306 or through its online form.

Compare The General to other providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
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30%
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Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
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55%
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Get free quotes from top insurers for the exact coverage you need in minutes.
13%
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
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It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.

Compare up to 4 providers

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.

However, if you’re a low-risk driver or you’re looking for more comprehensive coverage, you may want to explore your options to find a provider that better suits your needs.

The General’s cancellation policy

Frequently asked questions about The General

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2 Comments

  1. Default Gravatar
    Michelle
    October 11, 2018

    How much will it cost for an SR22 to reinstate my license? I do not own a car as of yet.

    • AvatarStaff
      Charisse
      October 11, 2018

      Hi Michelle,

      Thanks for reaching out to finder.

      The cost of SR-22 insurance varies by driver and by insurance company however you can expect it to be more expensive than usual since insurance companies will consider you a high-risk driver.

      Your auto insurance policy (SR22) price will depend on the reason why your license was revoked or suspended; whether it was a first, second or third offense; whether the accident that occurred resulted in bodily injury to other parties. You can find out the exact price if you request for an SR22 insurance quote online or through an agent.

      The filing fee for an SR22 though, is relatively low and will typically range anywhere from $15 to $25 but may also vary by state.

      I hope this helps.

      Cheers,
      Charisse

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