The General Car Insurance: What They Offer

The General offers auto insurance to drivers with less than perfect credit, less than perfect driving history and drivers who let their insurance coverage lapse. Headquartered in Nashville, Tennessee, the General offers insurance to drivers with driving violations or accidents on their records. So drivers who may have been turned away from other insurance companies can find coverage with The General. The General accepts most drivers for its auto insurance policies and accepts payments by credit cards.

Company Background

The General Automotive Insurance Services, Inc. is a licensed insurance agency and subsidiary of PGC Holdings Corp. PGC Holdings Corp. is an affiliate of American Family Insurance.

Applying for Car Insurance with The General

All residents of your household and other individuals who regularly drive your car must be listed as a driver on the policy or be excluded from coverage.

In most states, The General offers monthly payment plans. So there are low payment options available.

With The General, you can buy an auto insurance policy even if you have a suspended or revoked driver’s license. As long as you have been licensed at some point and have a driver’s license, you can purchase an auto insurance policy with The General.

The initial insurance quote from The General includes the minimum insurance coverage required by the state. This coverage can be added to and the limits modified after this initial quote.

Downpayment with The General

There is a down payment required for auto insurance coverage with The General. The amount of the down payment is based on several factors including where you live, your age, your driving record and the type of vehicle that you drive.

High-Risk Insurance and The General

Many drivers have flawed and less than perfect driving records but they still need insurance. That’s where high-risk or “non-standard” insurance comes in. The General specializes in providing insurance to high-risk drivers.

You’re considered a high-risk driver if you’ve had your license suspended or revoked and you require a SR-22 form for reinstatement. The Department of Motor Vehicles in your state will notify you if you require a SR-22 form. The General helps drivers acquire the proper documentation for reinstatement online.

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.

Seniors and The General

If you are 70 or older, some insurance companies may view you as a “high-risk.” The General does not penalize older drivers because of their age and offers insurance policies to older drivers to meet their budgets.

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Young Drivers and The General

If you are 20 or younger, insurance companies may regard you a high-risk driver because of a lack of experience on the road and lack of insurance coverage. As mentioned earlier, The General does not penalize drivers because of their age and would offer a policy to teens and a 20-year-old drivers even if they have no prior insurance coverage.

DUI and The General

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.

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. This certification is usually mandatory for drivers involved in at-fault accidents while driving without insurance, drivers convicted of a DUI, drivers who have had their licenses revoked or suspended or someone who has had many tickets and traffic offenses in a relatively short period of time.

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 Offers Cheap Car Insurance

The General offers auto insurance policies with a focus on new car drivers, drivers with a history of driving violations and accidents, drivers with lapsed auto insurance policies and people with less than perfect credit.The General offers both six-month and 12-month policies as well as monthly payment plans. Low down payment options are available.

The General offers both standard and non-standard auto insurance policies.

Payments can be automatically charged to a credit card or withdrawn from a bank account each month. Payments also can be made online by credit card for bank draft.

In most states, a discount is available to customers who pay their policies in full for 12-month and six-month policies. In addition, some states offer discounts for quarterly payments.

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