The overall car insurance overview for 2021 – Kelley Blue Guide

When the name The General rings, it may be because you remember his famous commercials starring the famous basketball player Shaquille O’Neal alongside the cartoon general. But whyWhat is special about The General is that their auto insurance is available in almost every state and seems to favor high risk drivers.

This review will let you know the type of coverage you can expect from The General auto insurance, as well as the insurer's discounts, costs, customer satisfaction rates, and more.

Types of general's car insurance coverage

General car insurance

General vehicle insurance is aimed at customers who are risk drivers. This means that people with violations in their records or novice drivers or people who drive more than average per year are seen as more at risk. If that describes you, read on.

Although the company offers limited optional coverage for high risk drivers, it also offers many standard coverage options like most US insurance companies.

Typical coverage by the General includes:

Optional coverage options:

  • Rent refund: This coverage pays you back the cost of renting a vehicle if your car is involved in an accident.
  • Deductible waiver: With this coverage you can make a claim and waive the payment of a deductible for Repair the appropriate safety equipment. In particular, there is an exemption from excess for car windows, windshields and doors.
  • Special equipment: This add-on pays for damage to aftermarket parts you've added to your cars, such as fog lights, bed liners, and RV shells. Policyholders can add up to $ 5,000 in additional coverage for accessories.
  • Roadside assistance around the clock: This option allows you to cover roadside assistance such as tire changes, towing and gas delivery.

What are the advantages of car insurance with the General Management?

Since The General auto insurance is primarily aimed at high risk customers, it is great for young drivers and those who have had multiple accidents and those with little or no creditworthiness.

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Discounts at The General

The General offers a relatively small number of discounts compared to some other insurance companies. If you would also like to take advantage of a discount on multiple policies, The General offers a limited bundling of policies.

General's auto insurance discounts include:

  • Homeowner: Even if you can't bundle policies, you can still get a discount on auto insurance if you own a home.
  • Multicar: A program or similaroffered to customers with more than one car insured by The General.
  • Double deductible: This discount reduces your insurance costs by doubling the deductible for full and collision insurance within the first 45 days after signing the contract.
  • Paid in full: General vehicle insurance offers you a reduced rate for paying the entire annual premium.
  • Previous insurance: If you switch car insurance to The General from another company, you will receive a discount on your tariff.
  • Good student discount: This discount applies to students with good academic performance.

How Much Does General Car Insurance Cost?

Buy car insurance on a mobile deviceAs you may know, car insurance prices depend on many factors, including the age, gender, and marital status of the driver. Let's look at what Savvy studies show that these are good demographic categories for The General auto insurance offerings.

Savvy collects data from current consumer policies, including tariff information, age, marital status, geographic location, and more. Its statistics provide a representative sample that is used as a general guide. Learn more about Savvy's methodology.

The general – annual average prices
Age group gender marital status worth
18 to 24 male single $ 2,934
18 to 24 Female single $ 2,624
18 to 24 male married $ 1,910
18 to 24 Female married $ 1,967
25 to 34 male single $ 2,153
25 to 34 Female single $ 2,207
25 to 34 male married $ 1,868
25 to 34 Female married $ 1,982
35 to 49 male single $ 2,121
35 to 49 Female single $ 1,967
35 to 49 male married $ 2,528
35 to 49 Female married $ 2,256
50 to 69 male single $ 2,130
50 to 69 Female single $ 1,718
50 to 69 male married $ 1,913
50 to 69 Female married $ 1,799

Source: Savvy

The level of coverage you choose will affect your premium. Savvy data shows that the average monthly cost of general insurance is $ 189 per month. Liability alone would cost you $ 170.24.

Will how much I drive affect my offering of general car insurance?

Happy woman driving a car and taking a picture smilingAccording to Savvy Research, your The General auto insurance will pay you $ 161 per month if you drive between 12,000 and 15,000 miles per year. Take a look at the table below.

Miles driver per year Average monthly cost
12,000 to 14,999 $ 161
15,000 to 19,000 $ 173

Source: Savvy

What other factors will affect my auto insurance premium with The General?

Hand open empty wallet looking for money with problem bankrupt broke after credit card paydayWhen formulating car insurance offers, insurers may make a different offer to drivers based on other factors. This includes your geographic location, your driving report and your credit history. Let's take a closer look.

location

Insurers charge higher rates for your insurance premiums if you live near a busy intersection with a high accident rate or in a city with more crime. The state you live in also affects what you offer.

According to Savvy, this is the list of states with the cheapest and most expensive auto insurance rates in general across all insurers.

Cheapest states The most expensive states
1. Maine 1. New York
2. Hawaii 2. Rhode Island
3. Idaho 3. Washington, D.C.
4. Wyoming 4. Maryland
5. Iowa 5. Louisiana

Source: Savvy

DUI

After a DUI quote, you can assume that your car insurance rate will go up.

According to The Zebra, drivers with DUIs generally pay an average of $ 2,556 per year. That compares to $ 1,470 for those with a clean record.

car accident

The general has a reputation for being a good insurer to choose if you've had an accident. The bad news, however, is that you can still expect your premium to rise, just not as much as other insurers.

Although we don't know the data by how much The General increases rates after a fault, the data from The Zebra shows that insurance rates can rise nearly 50% per year and accident rates can rise for an average of three years. Collisions add an average of $ 767 to your insurance rates each year.

credit-worthiness

Some states have banned auto insurance companies from offering a higher premium to customers with poor creditworthiness. These states are California, Massachusetts, Michigan, and Hawaii. Note, however, that The General is not available to residents of Michigan and Hawaii as it does not have automatic coverage in these locations.

The Zebra said that in general, having very poor credit could result in a 115% higher premium, or $ 1,546 more, than a person with exceptional credit.

How good is the general's customer satisfaction?

J.D. Power & Associates has not yet rated The General for any claims or customer satisfaction. However, according to the National Association of Insurance Commissioners (NAIC), the general's largest subsidiary received a complaint rate of 4.02, well above the 1.00 average. This means that the insurer receives four times as many complaints on average as its competitors.

Woman fills out customer service survey on the phone

The general's background

The General, based in Nashville, Tennessee, was founded in 1963. It was then that the company began selling insurance as a Permanent General Agency. It traded as The General Automobile Insurance Services Inc. as a licensed insurance agency and subsidiary of PGC Holdings Corp. In 2012, American Family Insurance acquired Permanent General Companies and other subsidiaries of PGC Holdings Corp.

General's insurance is available in 44 states and policies are available to residents in all but California, Massachusetts, Michigan, and Hawaii.

General auto insurance policyholders should be confident that they will pay their claims as they have financial strength. A. M. Best Rating Services has given The General an A rating, which means that the insurer can meet its obligations.

High risk drivers benefit the most

To sum up, The General is a financially stable company, but it is rated poorly by customers for its claims handling. So if you are a young driver or a high risk driver it is a good idea to get a quote from The General as the company is likely to offer you relatively low prices. However, unless you are a high risk driver, you are unlikely to find this auto insurance very competitive.

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