Insurance companies can't use your income to determine your rate so we cannot definitively say the two are related. Still, looking at the use of your credit score, education, homeowner status, zip code, and insurance history, it is easy to see the two have an inverse relationship. Looking for discounts, shopping for car insurance every 6 months are great ways to start on saving on insurance when you can't change the previously listed variables. When those fail, consider government or other special programs help.
The General offers barebones insurance for high-risk drivers. For this reason, the company doesn’t offer much in the way of discounts or extra cost savings. But that doesn’t mean you’ll break the bank as a customer of The General. If you’re a budget shopper, The General does offer low down payments and is flexible with its payment options, such as offering a discount for paying your bill in full. All drivers can take a few steps to get lower auto insurance rates, and the same rules apply for The General. To learn more, read our guide to discounts and money-saving for The General.
When you submit ideas or materials (“Submissions”) to The General® or any affiliated companies for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos, you grant to The General® a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submissions at The General’s® discretion.
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.
Many people will recognize The General Automobile Insurance Services, Inc. simply by “The General” as it has come to be known and also from its popular series of television commercials. A popular television commercial slogan of the company is “For a great low rate you can get online, go to The General and save some time!” Three Telly Awards were presented to The General in 2012 in the animation category. In May of 2016, Shaquille O'Neal became the first athletic spokesperson for The General. Shaquille O'neal was a customer of The General while attending and playing basketball for LSU In Baton Rouge, Louisiana.
Now, you can buy The General auto insurance in 43 states online or by phone, or through an independent agent (like one of ours!). Get a quote today, or click on your state to learn more about how The General ranks where you live. Don’t live in a state where The General is an option? Click on your state to see which company offers the cheapest insurance.
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.
Jump up ^ Baker v. National Interstate Ins. Co. 180 Cal. App. 4th 1319, 103 Cal. Rptr. 3d 565 (2009). This case explains how the modern clause more clearly excludes both the "products" and "completed operations" hazards as separate things (i.e., each hazard is separately excluded), as opposed to the prior version which was held to apply only when both hazards were present.
When it comes to researching multiple providers, reviews are a great source of information and play a major role in the decision-making process. We researched what customers say about their experience with the company, and the results are telling. Customers rate The General poorly for claims process and customer satisfaction, but a little better for cost. Curious about the details? Check out our complete breakdown of The General auto insurance reviews.
Customers have also been quick to note that when they needed The General to come through, it either failed to do so or provided an insufficient and unsatisfactory resolution. For repairs, this means you may not get the amount you need — several people report sending over bills from repair shops only to receive compensation that was less than half the actual cost. Refunds for contested fees were also hard to come by, even if there was no history of driving violations or accidents.
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.
This company is a thief. I started a new policy Feb 2018 for two cars, a 17 Elantra and a 15 Elantra which are both financed. When financed you need full coverage. I told them clear as day both cars need full coverage and I gave them the name of the finance company. My payment was perfect for us until Aug 2018 it increased by $80+ which I thought was because I removed the 2015 and added a 2013. Now it’s Sept and come to find out the original payment was low because these morons only had a Liability on one car. REALLY? DO YOU PEOPLE KNOW THE LAWS? Bye bye. I’m back with Liberty Mutual where I was for the past 24 yrs. I guess the grass really isn’t greener on the other side.
I had a policy for a year, at renewal time they increased my rates $10 per month for no reason. I had no accidents nor tickets. I researched other insurance options and found out I was paying way too much! I ended up getting a policy at Nationwide with a little better coverage, including roadside assistance for less than half than what I was paying on my original policy with The General! I was amazed. Then I felt dumb that when I originally bought The General policy I used one of those sites that supposedly check all sites for the best rates, but actually it only checks the 4-5 that pay to be on the site. Live and learn, and now I pay a whole lot less!
Liability coverage is legally required in Colorado and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Colorado, the minimum is listed as 25/50/15 and explained below:
Insurance contracts were traditionally written on the basis of every single type of risk (where risks were defined extremely narrowly), and a separate premium was calculated and charged for each. Only those individual risks expressly described or "scheduled" in the policy were covered; hence, those policies are now described as "individual" or "schedule" policies.[13] This system of "named perils"[14] or "specific perils"[15] coverage proved to be unsustainable in the context of the Second Industrial Revolution, in that a typical large conglomerate might have dozens of types of risks to insure against. For example, in 1926, an insurance industry spokesman noted that a bakery would have to buy a separate policy for each of the following risks: manufacturing operations, elevators, teamsters, product liability, contractual liability (for a spur track connecting the bakery to a nearby railroad), premises liability (for a retail store), and owners' protective liability (for negligence of contractors hired to make any building modifications).[13]
Overall, I would definitely say that the service The General has provided has been very good. I've been a customer for 2 years now, and I in no ways regret that decision to choose them. I used to have a larger company who offered a fairly competitive rate, but I've never found any other auto insurance quote even come close to what I pay The General each month. The customer service isn't any better than… read more
Insurance contracts are generally considered contracts of adhesion because the insurer draws up the contract and the insured has little or no ability to make material changes to it. This is interpreted to mean that the insurer bears the burden if there is any ambiguity in any terms of the contract. Insurance policies are sold without the policyholder even seeing a copy of the contract.[2]:27 In 1970 Robert Keeton suggested that many courts were actually applying 'reasonable expectations' rather than interpreting ambiguities, which he called the 'reasonable expectations doctrine'. This doctrine has been controversial, with some courts adopting it and others explicitly rejecting it.[5] In several jurisdictions, including California, Wyoming, and Pennsylvania, the insured is bound by clear and conspicuous terms in the contract even if the evidence suggests that the insured did not read or understand them.[6][7][8]
I literally never ever post reviews about anything. I just had to talk about my experience with this sloppy horrible company. I had insurance with the general about 2 years ago. I decided not to continue with them after experiencing problems with them overcharging me and things of that nature. I paid for my final month of coverage and then I switched companies. I thought everything was done and over. No way I look at my credit report on credit karma and lo and behold I have a collection for 166 dollars for the general car insurance.
Your insurance rate is specific to your zip code. Insurance companies use a variety of factors such as the number of claims in an area, road conditions, and population size to help determine rates in your zip code. As your insurance company assumes a portion of financial responsibility, living in an area with a high rate of stolen vehicles or property damage claims can be seen as a risky investment to an insurance company.
If multiple people drive your car, or if you have friends or family riding with you, you need extra protection. Your insurance policy from The General may help provide for your passengers’ health care needs, too. An auto insurance policy from The General also helps protect you if you’re in a car accident that involves other drivers who don’t have insurance.
Car insurance protects you from financial liability in incidents involving your vehicle. It has two major benefits. First, it can help save you from costs involved with bodily injury (medical costs). Second, it covers property damage to both you and your property, and other people involved in the accident if you’re at fault. Car insurance is required in most states and it is illegal to operate a car without it.
I needed car insurance that was more affordable than my previous coverage. I had heard of this company though the commercials on television. I decided to look them up online to find out about pricing. I was pleased with the prices, and since they were less than what I was paying, I switched companies. I have had full coverage ever since, and the coverage was sufficient for the bank where I have loans on my… read more
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.
Overall, Allstate offers a vast range of products. Their insurance experience may vary and be based on the strength and service skills of the local agents and claims response team, but the company itself is solid financially as we reviewed in the financial strength ratings above. Allstate has been around through several recessions and has seen a large share of claims. Allstate has evolved with consumer needs to offer increasing product lines and to offer digital customer service experiences. Allstate involves itself in the community.
The gecko-loving company is without a doubt the most consistently affordable option out there, so it deserves a shopper’s consideration. And, it’s true, according to my research, it is safe to say that 15 minutes could often save you “15 percent or more” on a state-minimum policy. However, its range of coverages and discounts don’t particularly shine when compared to a competitor like Allstate. Allstate customers enjoy prepay discounts, low-mileage discounts, interior vehicle coverage, and new car replacement — all of which are not offered at GEICO.
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.
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.
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 control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

I've had The General Car Insurance for just over a year now and I can honestly say I'm very happy with my decision to go with them. I got my quote with them in under 10 minutes and everything was clear about my new policy and coverage that it just made everything really easy. Ive been in 1 accident in my 1 years time with them and they were really simple to deal with. The… read more
While creating a profile does not guarantee Allstate's business, it gives corporate decision-makers the information necessary to identify qualified prospective suppliers who may be able to meet their product or service requirements for business operations. If we determine there is a need for your product or service, the appropriate Allstate representative will contact you.

A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.
Statistically speaking, the more education you have received, the more likely your insurance rate is going to decrease. Nationally, you can expect to save $36 per year if you have a PhD versus not completing high school. Like your credit score, insurance companies see drivers with more years of education less likely to be claims payout recipients. Therefore, the savings you receive while pursuing higher education will save you a few bucks per year. 
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Virginia drivers without a recent at-fault accident can save 33% on their car insurance premiums, on average — nearly matching the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
In the states with no-fault insurance, insured drivers are typically compensated for medical expenses by their own insurers, regardless of who caused the accident. Nonetheless, BI liability coverage is still required in no-fault states because if injuries reach a certain severity, the at-fault driver may be sued by the injured party. If that happens, your BI coverage can help cover your liability expenses.
To determine how much auto insurance is best for you comes down to understanding your current economic circumstances and how the different types of coverage work together. If you own a car, buying car insurance is inevitable, so it is really important you are getting the right amount for the right price. The following table gives a quick summary of what types of insurance you should have.
Then, with some help from the team at The Simple Dollar, we applied for over 250 quotes both online and over the phone from my pool of auto insurance companies from all 50 states. Each member of the team used personal information during the quote process to ensure that we could see who was consistently cheapest across the country with a handful of scenarios. What did remain the same, however, was the amount coverage we applied for: each state’s minimum coverage. No frills, no extras; just the absolute minimum coverage to legally drive on the road.
While the "In Good Hands" and "Mr. Mayhem" insurance company advertises several popular features like accident forgiveness, vanishing deductibles and other various discounts, the savings they bring usually will not make Allstate cheaper than other auto insurers like GEICO and Progressive on an absolute basis. Customer surveys report that Allstate provides slightly better service, but it usually is not that significantly better than competitors like State Farm for the price.
Insurance coverage helps consumers recover financially from unexpected events, such as car accidents or the loss of an income-producing adult supporting a family. Insurance coverage is often determined by multiple factors. For example, most insurers charge higher premiums for young male drivers, as insurers deem the probability of young men being involved in accident to be higher than, say, a middle-aged married man with years of driving experience.
Our overall star rating for The General car insurance is 3 out of 5. That number falls in the center of the scale, but here’s what it means for you: The General is great for certain drivers. What came to light in our research is that The General targets a certain segment of the auto insurance market: high-risk drivers, or those who have multiple moving violations, including DUIS, or accident claims. We researched the company from top to bottom and have the full breakdown for you here.
Would I personally drop my comprehensive and collision policies? No, because my 2013 Jeep Patriot is still relatively new and would cost a significant sum to repair or replace. My brother, however, drives a 1984 Ford F150. At best, it’s worth around $3,000 — and his policy is only $19 a month! For him, dropping comprehensive and collision coverage made a lot more sense.
Allstate, while the most expensive of the largest insurers, has an average claims handling rating from J.D. Power's customer survey. Of the 28 largest auto insurers surveyed by the group, Allstate was the 10th best for claims handling. Progressive, GEICO and State Farm were ranked 14th, 18th and 21st respectively by contrast. The categories for which the companies were evaluated were all about average for Allstate, with the exception of its rental car reimbursement experience, which was rated a 4 of 5 stars.
The General advertises low rates for coverage, and many customers have confirmed that they were offered lower premiums at the outset of their policy. But after the fact, The General has been known to tack on hidden fees for things as simple as monthly billing, resulting in a rate that can be significantly higher than the initial rate you were given.

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.
×