What Is The General's Auto Insurance

Fran Majidi
January 21, 2021

Are you a high-risk driver? If you're paying more on insurance than most people you know, you probably are. It may be worthwhile for you to learn more about The General Auto Insurance which has been insuring people with less-than-perfect records and saving them money doing it for years. Here's more about The General Auto Insurance.

Since 1963, The General has been selling insurance, first as the Permanent General Agency, then the Permanent General Assurance Corporation (PGAC) and then Permanent General. Finally, the company settled on “The General.” Shaquille O’Neal famously endorsed the company and has appeared in many commercials since 2016.

High-Risk Insurance and The General Auto Insurance

The General Auto Insurance offers “non-standard” car insurance, which means that high-risk drivers with points on their license or even DUIs can find affordable rates.

You’re considered a high-risk driver if you’ve had many moving violations or had your license suspended or revoked and you require a SR-22 form for reinstatement. This certification is also usually mandatory for drivers involved in at-fault accidents while driving without insurance. The Department of Motor Vehicles in your state will notify you if you require a SR-22 form. The General helps drivers with the necessary documents to reinstate a policy.

If you have a history of auto accidents or violations, you may be regarded as a high-risk driver. The General offers insurance to most high-risk drivers and offers discounts for keeping a clean driving record going forward and being a safe driver.

The General Auto Insurance: Helping Drivers Who Need a SR-22 Form

A SR-22 is a certification issued by your car insurance company to prove you have the minimum coverages required by your state. The fee to file a SR-22 form is usually around $25.

In most states, your insurance company handles the filing of a SR-22 form for you. If not, you may have to file your SR-22 form directly with the Department of Motor Vehicles.

The General provides SR-22 filings in most states and helps customers obtain proper SR-22 documentation.

The General Auto Insurance and Seniors

If you are 70 years old or older, some insurance companies may consider you to be a high-risk driver. They may increase your rate. The General does not penalize older drivers because of their age and offers insurance policies to older drivers that fit tight budgets.

The General Auto Insurance and Young Drivers

If you are a teen or inexperienced driver, insurance companies may rate you as a high-risk driver because of a lack of experience and no insurance coverage history. The General does not penalize according to age. If you are a new driver, you may get some fair rates from The General Auto Insurance.

DUI and The General Auto Insurance

If you have been convicted of a DUI, you may be considered a high-risk driver. But it may still be possible to find an affordable auto insurance rate. The General offers insurance policies to drivers with DUI convictions.

Requirements with The General Auto Insurance

You have to put a down payment for auto insurance coverage with The General Auto Insurance. Your down payment is based on several factors including your location, age, driving record and the type of vehicle that you drive. Depending on which state you live in, your credit score may come into play as well but perhaps not as heavily as it would with an insurer who won’t work with high-risk drivers.

The General Auto Insurance and Offices

The General is based in Nashville, Tennessee but has several offices in Louisiana, Arizona, California, Colorado, Florida, Georgia, Ohio and Texas among others.

The General Auto Insurance Ratings and Reviews

WalletHub gave The General 4.3 out of 5 stars. The NAIC index, which reflects high rates of complaints, was 1.21 and the BBB gave The General Auto Insurance an A+. The General Auto Insurance gets mixed review as do most auto insurance companies online. What’s important to remember is that it’s a great resource for drivers with a spotty driving history, DUIs or other factors that make them uninsurable. Drivers with absurdly high rates due to their risk profile often find much better deals through The General, which rates very well overall.

Remember that The General Auto Insurance is not an insurance carrier but an agency that is a subsidiary of PGC Holdings Corp, which is an affiliate of American Family Insurance.

How Much Does The General Auto Insurance Cost?

According to WalletHub, car insurance through The General costs about $2,312 a year on average. Of course factors like location will greatly affect rates.

Does The General Offer Rental Car Insurance?

Yes, The General rental car insurance is usually included in a driver’s car insurance policy if they carry liability, collision and comprehensive insurance. You’ll also usually get reimbursed for a car rental if yours is being repaired for a covered claim. You can add rental reimbursement to your policy. Check your policy for limits per day and maximum days limits. If you have a full-coverage policy with The General, you will have damages to rental car covered if you have an accident. Otherwise, you may only be covered for the other driver’s losses and injuries if you only carry liability on your personal policy.

Does The General Auto Insurance Offer Non-Owner Car Insurance?

Yes, and having a non-owner car insurance is a great idea for people who do not own a car and want to lower their rates over time. A lapse in coverage, for any reason, will raise your rates. If your rates are so high that you’ve given up the idea of having a car for a while, know that your insurance rates will increase due to a lapse. Buy a cheap non-owner car insurance policy instead so you can lower your rate while at the lowest rate possible. A non-owner car insurance policy is much cheaper than a standard car insurance policy. Also people will rest easier if you borrow their car if you’re insured with this type of policy. However, damages to the person whose car you’re borrowing will not be covered with a non-owner liability insurance policy. There’s no such thing as a non-owner collision policy, unfortunately.

Are The General and National General the Same Company?

No, but they both offer auto insurance. National General also offers RV and home insurance, but The General only offers auto insurance.

Getting the Lowest Rate in Car Insurance

If you want to get the best rate available on the market, it’s a good idea to compare car insurance quotes. But it takes time. You have the free option of letting SmartFinancial do the footwork for you by filling out one form with all your relevant information. You can start by entering your zip code below. Your information will only be used to match you with the insurer offering the best rate for your situation.

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