The General

<p>We’re proud to say that The General is one of the best car insurance companies in the business. Don’t just take our word for it: Credit-rating agency AM Best gives these insurance companies an “A/Excellent” rating for financial stability, 3rd highest out of 13 ratings.</p><p>At The General, we provide auto insurance coverage even for the high-risk drivers that other insurance companies won’t insure. Many insurers do not cover drivers who found themselves without insurance for six months or more, but that’s not an issue at The General. We know that not everyone has perfect credit or an outstanding driving record, but they still need car insurance.</p>

<p>The General opened for business in 1963. We’ve grown enormously since then but still retain our core value of providing all drivers with affordable coverage.</p><p>Our nearly 60 years in business is important when you’re choosing car insurance. Our longtime customers know they can depend on The General auto insurance when an accident happens. The insurance industry relies on trust: Our customers must trust us to help them in what is sometimes among the most difficult times in their lives. Many of our clients are second-and third-generation, coming to us via recommendations from family and friends.</p><p>Through the years, we’ve invested in state-of-the-art technology. Our award-winning mobile app lets you make a payment, report a claim, and manage your policy anywhere, at any time. It’s just one example of how The General constantly upgrades our tech to offer the customer the best experience.</p>

<p>How much you’ll pay for car insurance depends on several factors, and no two people are alike. Get a free, no-obligation quote and find out what we can do for you. The General car insurance quote requires your ZIP Code, (which reveals your local accident rate), and other personal information such as your age, credit history, and family insurance exclusions.</p><p>If you decide to buy a policy after getting your online quote, we'll need the following for all drivers & vehicles in your household to give you a specific premium amount:</p><ul><li>Name</li><li>Address</li><li>Driver’s license number</li><li>Vehicle identification number</li></ul><p>If you like your quote—and you almost surely will—you can go ahead and buy your policy online. Choose your payment method and submit the application with a click or a touch. Just print out the insurance card, and you’re good to go!</p>

<p>You can buy The General insurance in 46 states and Washington, D.C. How much you’ll pay for car insurance slightly depends on the state you live in. We provide policies for drivers in both fault and no-fault states. In fault states, or tort states, those injured in an accident caused by a driver can sue for damages from the at-fault party. In a no-fault state, each driver’s insurance company pays for their medical bills and lost wages after an accident, unless the injuries are significant.</p><p>Generally, if you live in a city, expect to pay more in premiums than if you lived in a rural area. Places with higher amounts of traffic have more collisions.</p><p>There are also different state requirements when it comes to minimum amounts of car insurance you are required to carry. Most people should buy more than the minimum amount if they can afford it. Additional insurance protects your personal assets in case of a serious crash.</p>

<p>The General offers a full range of coverage options. Every driver must buy the minimum amount of liability coverage required by their state. Liability insurance pays for damage you caused by the at-fault driver to people and vehicles. It does not pay for your medical expenses, lost wages, or car repairs.</p><p>If your car is leased or you still owe payments on it, the lessor or lender is going to require you to carry collision and comprehensive car insurance. Even if you own your car, you might still want this coverage if you can’t afford to replace it after a crash.</p><p>Comprehensive coverage pays for damage caused by anything other than a collision. This might include theft, vandalism, hail or a tree falling on the car.</p>

<p>Yes, The General auto insurance offers full coverage for drivers. Full coverage means the driver wants more than just liability coverage. Full coverage includes not only comprehensive and collision insurance, but uninsured or underinsured motorist insurance.</p><p>While most states don’t require you to buy uninsured or underinsured motorist coverage, it’s a good idea. Auto insurance agents must offer you this option in most states. There are too many uninsured or underinsured drivers on the roads, and getting into an accident with one can really hurt you financially without this type of coverage.</p><p>How much coverage you’ll need depends on your personal situation. If you have assets, such as a house or investments, you want to make sure you have enough insurance in case of a serious crash. Otherwise, you could lose these assets in a lawsuit. If you don’t have much in the way of assets, you won’t need as much insurance, but you must carry the minimum amount of insurance required to legally operate a vehicle in your state.</p>

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