The General Car Insurance Review 2022 – Forbes Advisor – Forbes

April 11, 2022 By admin

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Updated: Mar 8, 2022, 5:34pm
The General may be an option if you are having trouble finding insurance because of your driving record or poor credit. Otherwise, with its high level of complaints and limited specialty coverage and discount offerings, The General isn’t a compelling choice for car insurance.
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Nashville-based The General specializes in nonstandard auto insurance for motorists who are considered high-risk drivers, such as people who have a history of driving violations, have less-than-perfect credit or have let their coverage lapse. The General is an insurance agency that provides quotes from three related insurance companies.
Drivers are typically grouped into tiers by insurance companies. These tiers include “standard,” or average drivers with clean records, and “nonstandard,” or high-risk drivers. Drivers in the nonstandard group typically pay more for insurance. That’s because insurance companies believe nonstandard drivers are more likely to file claims, so they are charged more to compensate for being more costly to insure.
The General sells the following types of car insurance:
Many insurance companies don’t handle SR-22 insurance, but The General specializes in the process. If you need an SR-22 form, let The General know when you contact the company to get a car insurance quote, and they will include the form with your policy documents once you purchase coverage.
You might be required to file an SR-22 form, or “certificate of insurability,” with your state if you’ve been convicted of a DUI or of driving without insurance, or if you’ve had your license suspended or revoked. These forms are issued by your insurance company to certify that you are carrying the state minimum coverage required for liability insurance.
The General has many add-on options you can buy to boost your coverage.
The General provides a number of discounts that can lower your premiums for car insurance. A “double deductible” discount lowers your premium if you agree to double your comprehensive and collision deductible amount for the first 45 days of your coverage. After the 45 days, however, your rate and deductible amount go back to their initial amounts.
Other discounts are for:
The levels of complaints against the companies that provide insurance for The General are higher than the industry average—and in two cases, are more than twice the industry average.
Featured Car Insurance Partners
1
Geico
Average annual rate for good drivers
$1,182
Average annual rate for drivers with a speeding ticket
$1,579
Complaint level
Low
1
Geico
Compare rates from participating partners via EverQuote’s secure site.
2
Nationwide
Average annual rate for good drivers
$1,540
Average annual rate for drivers with a speeding ticket
$1,970
Complaint level
Very low
2
Nationwide
Compare rates from participating partners via EverQuote’s secure site.
3
Travelers
Average annual rate for good drivers
$1,435
Average annual rate for drivers with a speeding ticket
$1,828
Complaint level
Very Low
3
Travelers
Compare rates from participating partners via EverQuote’s secure site.
Aside from offering car insurance to motorists, The General can connect consumers seeking other types of coverage with outside companies that are or are not affiliated with The General. Types of coverage that fall under this umbrella include:
The General, founded in 1963, is a subsidiary of PGC Holdings Corp. American Family Insurance purchased PGC in 2012 for $242 million.The General sells car insurance in all 50 states and the District of Columbia and prides itself on offering inexpensive, high-quality coverage.
The General Automobile Insurance Services Inc., an insurance agency, offers car insurance underwritten by three affiliated insurers: Permanent General Assurance Corp., Permanent General Assurance Corp. of Ohio and The General Automobile Insurance Co.

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