Some companies spend a lot of money on commercials that try to convince you they offer the lowest car insurance rates. But prices that different people pay for the same coverage by the same company can vary widely. No single insurer can claim to be the low-price leader for everyone. The insurance company that’s cheapest for one person in one place might be the most expensive option for a driver in another state.


Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Texas, teen drivers pay especially high rates: $7,096 per year — more than $2,000 more than the nationwide average and almost four times as much as a typical Texas driver.
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Virginia, the average teen driver pays $3,747 — approximately $1,200 less than the national teen driver average, but more than three times as much as an older driver in Virginia.
This is by far the lowest Car insurance I have found. I was only looking for state minimum coverage and wanted to spend as little as possible. After requesting quotes from many insurance companies, I was so happy to find The General. The entire process can be done online and was so easy. I would definitely recommend this company to anyone looking to save some money. They even give you the option to pay for… read more
They put me in debt over $190, I'm only 20 years old. Had the insurance for less than a month, they were so nice when they were receiving my card number of course. But once I canceled to move onto a BETTER company they were no longer helpful, said I owed more money when it was paid and they sent what I refused to pay to collections. Of course the lady heard nasty words from me because she was honestly a **. To keep it real they screwed me over entirely. They are good with fraud, real expensive, and have no locations unless you’re in Kentucky I believe. So my opinion, they are trash. Everyone who works for them that I have experienced is rude as hell. They don’t care about anything about you besides the money you’re forking over. So I suggest you NOT consider them at any point. Disgusting company that should definitely not even exist. Thanks for reading.
I recently had my insurance policy canceled with another company, which caused a whole bunch of issues for me. The biggest issue was that my license had become suspended. I fixed all my fines, and got my license back. When searching for a new car insurance company I tried many different companies, but no one really wanted to help me because of the recent suspension, or the prices were sky high. I came across The… read more
I paid on time with auto pay for six months straight. It’s so happened that I switched banks and in the resulting delay from my new direct deposit from my job, my first month on the next policy was missed and the policy lapsed. I offered to pay right away and asked if I could just continue my policy from there with auto payments since my bank account had by now been straightened out. They refused and said I needed to start over with a new quote. Since my lapsing payment now was visible when making my new quote it caused the price of my car insurance to drastically increase. I got zero help from them even though I had never paid late before.
We're big in Dallas. From Frisco and North Plano to Uptown and Downtown, you'll find there are agents all over the Big D who can relate to how and where you live — whether you're frequenting the museums, performance centers and new green spaces in the Dallas Arts District, taking in the games in Arlington at Rangers Ballpark and in the Corral at AT&T Stadium, or fishing for bass in Lake Fork or down in Lake Whitney.
The General is intended for drivers who may face steep rates from other insurers, but that doesn’t mean it will be able to provide those drivers with the protection they need. Few coverage options and a history of complicated claims resolution keeps us from recommending The General. Even if it offers lower rates than the competition, you might eventually get hit with unexpected fees that drive up the price of your coverage. If you can avoid it, you should — there are better insurance options out there.
I recently switched over to The General from Geico because for some reason my policy with Geico would always go up by a dollar or two every time I renewed my policy. The General was the first insurance company I could think of to investigate since their commercials always seem to get stuck in my head. I found a great policy that gave me the exact same coverage I was getting with Geico for ten… read more
Insurers don't determine your actual cash value (ACV) settlement based on what you owe, but rather on what the car is worth just prior to the accident. Let's say you owe $20,000 on your new Mini Cooper, but your car is now only worth about $16,000. If your car is totaled, you might get a settlement check of $16,000 but still owe an additional $4,000 on your loan or lease.

Collision coverage is generally sold with a separate deductible. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company and, if they are successful, you'll also be reimbursed for the deductible.
On this level, Allstate ratings indicate they are in an extremely strong position to pay out on claims and have the financial backing to do so in normal circumstances. The financial strength ratings of Allstate are meant to be used as an indicator of their ability to deliver financially and reflect the fact that they are one of the largest insurance corporations as explained in the section above: "How stable is Allstate". This reflects on the financial management of the company and is only one aspect, a very important one of any financial services company.
Besides being legally required in almost every state, auto insurance is an incredibly important part of your financial safety net. The average car insurance claim in 2013 was over $15,000 for bodily injury and over $3,200 for property damage. Car insurance is there to cover medical bills, vehicle repair or replacement, and keeps you off the hook for injury and damage liability for others. Your premiums will go up if you cause an accident, but that’s better than the alternative.
Drivers should be wary not to confuse The General’s favorable rates for high-risk drivers to mean that they won’t suffer from rate increases in the event of an accident. In fact, based on the companies in our sample, The General awarded the largest rate increase after an accident. While The General’s auto insurance rates were still the lowest among the companies sampled, drivers aren’t immune from large rate increases.
The General is tech-savvy, offering a sophisticated online portal, app and live chat function. And while you can manage or change your coverage on those platforms, to cancel your policy, you’ll need to get in touch with an agent over the phone, in person or by mail. Expect the last-ditch sales pitch, but know that you have the right to cancel your policy at any time.
This company is a joke. I would not give them half a star let alone one full star but in order to review I had to. To make a long story short, Get out before you ever file a claim with them and if you do have to file a claim plan on having to get an attorney to resolve the issue Run as fast as you can AWAY from this insurance company. they should be out of business.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

I had gotten The General Insurance because it was cheaper! Big mistake! I was recently in an accident and when I claimed it nothing was wrong and they processed the claim! A week later after they had gotten the police report and had done the estimate we were told it was being processed and someone would be in contact! Not only did I have to call the person handling the claim numerous time to find out any information on it I had to call after I had not heard anything from the about the claim. I was then told that our insurance lapsed the day of the accident. I paid every month on the same date the 27th.
The company has its headquarters in Nashville, Tennessee and has been selling auto insurance since 1963 when it was known as Permanent General Agency. The name later changed to Permanent General Assurance Corporation (PGAC). In 2012, The General Automobile Insurance Services, Inc., a subsidiary company of PGC Holdings, was acquired by American Family Insurance.
Allstate's best feature is its extensive agent network thats lets people who want to buy insurance through an agent do so easily. We would say however, that drivers who want Allstate's agent network consider a State Farm policy first instead. State Farm is cheaper in most of the cases in our analyses, and while its service is not highly regarded either, at least you won't be breaking the bank for it.
This type of policy is more important if you are married and/or have children, but even single people can benefit from having life insurance. Life insurance can meet several financial needs. In the case of someone who's married with a family, it can replace lost income, help to pay any lingering debts after your death or pay for your children's college education. If you're single, life insurance could pay for burial costs and pay off any debts you leave behind. 
The prospect of long-term disability is so frightening some people simply choose to ignore it. While we all hope that "nothing will happen to me," relying on hope to protect your future earning power is simply not a good idea. Instead, choose a disability policy that provides enough coverage to enable you to enjoy your current lifestyle even if you can no longer continue working. 
Awful. I am losing my license for three months because of their horrible lack of customer skills and billing practices. But most importantly because they have liars for reps. They say that everything is fine we took care of it come to find out that was a lie. Wish I would have read these reviews before going with them. I will be seeing a lawyer about this lemon company. Anyone wanna join. I talked to other insurance companies and they are definitely in the wrong here. Run while you can. Pay a little more and go with a reputable company because these jokers need to be put outta business. I could only imagine if you got in an accident then you would really be in trouble.

If paying the absolute minimum necessary for car insurance is something that's important to you, the General is definitely the way to go. I don't really drive a whole lot since I live in an area where most of what I need is within walking distance, so I didn't see the point in spending a huge amount of money on insuring a car I hardly use. The General offered me the lowest rate by a… read more
In addition, while The General makes it easy to get a quote and streamlines the process of obtaining coverage, many drivers report a complicated claims process that often results in unsatisfactory payouts. This also holds true for repairs — customers have noted that The General often does its best to keep from paying for coverage it promised. If you’re at the end of the road when it comes to insurance options, The General may be able to provide you with a policy, but we wouldn’t recommend it for most drivers.

We're big in Dallas. From Frisco and North Plano to Uptown and Downtown, you'll find there are agents all over the Big D who can relate to how and where you live — whether you're frequenting the museums, performance centers and new green spaces in the Dallas Arts District, taking in the games in Arlington at Rangers Ballpark and in the Corral at AT&T Stadium, or fishing for bass in Lake Fork or down in Lake Whitney.

Yes.  MetLife’s one year term products (including products underwritten by Metropolitan Tower Life Insurance Company and Metropolitan Life Insurance Company ) offer affordable protection when you require insurance for the short term. These products are designed to provide the right amount of protection when it’s needed most, or to supplement a policy you already have. Premium rates can be found here. For more information contact MetLife's Specialized Benefit Resources at 877-638-3932, and press 2 for New Business.
Car insurance is a must have for every driver, offering important financial protection in the event of accidents, fire, theft and more. It can seem pricey, but it’s still cheaper than paying out of pocket for damages. Depending on what you’re looking for, you can get a good rate on cheap, bare-bones coverage or full coverage at a great price. Compare deals and discounts to save more on your policy.
You may have heard that men pay more than women for car insurance. This is true, because statistically men are more likely to engage in risky driving practices like speeding and driving under the influence, which results in more accidents. Massachusetts, Hawaii, and North Carolina do not allow gender to play a role in auto insurance rates, so drivers in those states don’t have to worry.
Yes. We do not represent or front for any other company, and we are backed by the biggest reinsurers in the business. When we started, we didn’t intend to become an insurance company, but we found it was the only way to fix a broken system and make insurance fair. We have fully embraced this challenge and our team is determined to change car insurance for the better.

The General is known for insuring high-risk drivers who may face high premiums or have trouble finding insurance elsewhere. This makes it attractive for customers with poor credit or an extensive accident history. Choosing such an insurer comes with some significant drawbacks: While most drivers will be able to get coverage, they’ll likely face steep rates with minimal protection.
The insurance contract or agreement is a contract whereby the insurer promises to pay benefits to the insured or on their behalf to a third party if certain defined events occur. Subject to the "fortuity principle", the event must be uncertain. The uncertainty can be either as to when the event will happen (e.g. in a life insurance policy, the time of the insured's death is uncertain) or as to if it will happen at all (e.g. in a fire insurance policy, whether or not a fire will occur at all).[4]
Allstate Insurance works through captive agents, therefore they are not in a position to offer you any other products besides the Allstate product line. This means that if other insurance companies could better serve you, the Allstate agent is not in any position to offer alternate options. The Allstate agent is restricted to the Allstate product line. Insurance brokers may offer an advantage over captive agents in general because they have access to several insurance products and can search not only products with different companies but also cross check prices.

States served Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
For the vast majority of insurance policies, the only page that is heavily custom-written to the insured's needs is the declarations page. All other pages are standard forms that refer back to terms defined in the declarations as needed. However, certain types of insurance, such as media insurance, are written as manuscript policies, which are either custom-drafted from scratch or written from a mix of standard and nonstandard forms.[36][37] By analogy, policy endorsements which are not written on standard forms or whose language is custom-written to fit the insured's particular circumstances are known as manuscript endorsements.
Financial Strength ratings indicate the actual financial ability of an insurance company to deliver on a financial level or their capacity to meet its financial commitments. Below are the ratings for Allstate in each of their divisions with three separate financial ratings providers. As you can see, Allstate ranks highly for financial strength in their insurance markets and capability. The financial strength rating of Allstate is not to be confused as a commentary on actual claims process experience but rather indicates if the company is strong enough to support the financial risk in insurance that they have taken on.
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