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.
Policies with very high deductibles are typically less expensive because the high out-of-pocket expense generally results in fewer small claims. In regards to health insurance, people who have chronic health issues or need regular medical attention should look for policies with lower deductibles. Though the annual premium is higher than a comparable policy with a higher deductible, less expensive access to medical care throughout the year may be worth the trade-off.
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.
Plus, there are hundreds of car insurance companies. What are the chances that the one company you selected is the cheapest car insurance for you? Unless you are comparing prices, you won’t know how much you could be saving. In one comparison, a woman in Texas got prices that ranged from $77 a month to $300. That’s over $2,600 in savings every year from switching car insurance companies.
Drivers with clean driving records — meaning no at-fault accidents, speeding tickets, DUIs, or other citations — typically pay less for car insurance. In Colorado, your car insurance premiums will increase by 33% after a DUI, 30% after an at-fault accident, and 17% after a speeding ticket. These hikes roughly align with national averages. If you have a sparkling clean driving history, be sure to take advantage of your insurer's safe driver discount.
The Governor of Michigan declared a state of emergency due to severe storms and flooding. As a result of the storms and the potential displacement of Michigan citizens, Combined Insurance customers residing in the Michigan counties noted below may be eligible for a due date extension of their Combined policy renewal premium payments due, as well as any deadlines to submit claim proof of loss. Please contact Combined’s Customer Care Center at 800-225-4500 with any questions.
Erie is the cheapest insurance company, and arguably the most reliable insurance company as well. They score points by allowing customers to start their quote online, which we personally found to be a streamlined and fast process. Erie also scored the highest marks from the number of policies they offer. Erie offers pet coverage, free accident forgiveness, free vanishing deductibles, roadside assistance, and many more, essentially giving its customers a degree of flexibility not even found amongst the largest insurers. Customers of Erie may also be eligible for its Rate Lock program. This is a unique program where customers won't see their rates increase except for three reasons: you move to a different area, add or remove someone from your policy, or add or subtract a car. Lastly, despite its smaller size, Erie offers the same types of discounts larger national insurers provide such as bundling, anti-lock brakes, anti-theft, young driver and senior driver among others.
The General Car Insurance might not be for everyone, but for me it's been a life saver. I got tired of over paying each and every month. I knew a buddy who was with these guys and I bought a used car for my son and I decided to see how much we could get my son on the road for. I gave them a call explained everything, and I was quoted a price for… read more
With a $100 deductible on comprehensive and collision coverage, he would pay roughly $120 a month. Raising that deductible to $250 brought the bill down to about $100 a month. A $500 deductible reduced the monthly bill to $90, and a $1,000 deductible pushed it all the way down to $82. That means he could save $456 a year by choosing the $1,000 deductible instead of the $100 deductible — not a bad sum.
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Texas drivers without a recent moving violation save just 4% on their car insurance premiums, on average — compared to the national average of 17%. 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%.
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.
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.
The price of car insurance can vary greatly between states. One company may be expensive in Utah, but inexpensive in New York. In some states, a small, local company could even offer the best price. Below, click through to your state to see which company and cities have the least expensive car insurance based on the numerous studies we've conducted.
After seeing television commercials for The General for about two years, I finally decided to check out their website and compare coverage and cost. I was pleasantly surprised that I was able to save $40 per month on my full coverage auto insurance. At first I was a little wary, but after I talked with a customer service representative, I felt more secure in my decision to switch to The General. I have not had… read more
Double Deductible: As the name suggests, the Double Deductible discount doubles your deductible for the first 45 days of your policy, which causes your insurance costs to decrease over the same period. After 45 days your auto insurance deductible returns to its normal level. The discount isn’t particularly unique considering that most other companies allow customers to adjust their deductibles.
Of the biggest auto insurers in the U.S. - State Farm, GEICO, Allstate, Progressive and Farmers - State Farm ranks as the greatest overall. State Farm was rated 4/5 stars by customers and policyholders in a JD Power survey on companies shopping experience. State Farm is best known for its large agent network; they boast over 18,000 across the nation. It shouldn't be surprising then that State Farm gets 5/5 stars for how its agents interact with customers. As well, State Farm is great when it comes to offering discounts. If you go with State Farm you will have up to 15 discounts to be eligible for which can equal hundreds of dollars worth of savings.
The General’s coverage options are, quite frankly, barebones protections. While there are some supplemental options like roadside assistance and rental reimbursement, don’t expect the luxury of accident forgiveness. And when you need to file a claim, you’ll have to do so over the phone — though it offers live chat and online policy management, The General doesn’t allow its customers to file claims without talking to a representative.
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.
MetLife has become aware of a recent phishing attack against some of our customers. ‘Phishing’ is a fraudulent attempt to obtain an individual’s personal information, often through a misleading email, text or other online communication. Keeping your personal information secure is a top priority of MetLife. That's why we encourage you to take precautions to protect your personal data, and why we do not ask you to verify your personal or account information by email, text message or online. If you suspect you received a phishing email, please forward it to: [email protected] Delete the email after you forward it, and do not click on any links it contains. If you believe you entered information into a linked website, change your login information immediately. For helpful hints to protect your personal information, visit the following website: https://www.consumer.ftc.gov/articles/0003-phishing
I've already got good coverage through Geico but decided since we are on such a limited income and tight budget so decided to just see if we could do better. Waste of time. DOUBLE what we are paying now for identical coverage. What a joke. Considering my wife and I are in our late fifties with extremely good driving records and no other drivers in the home. They quoted me nearly $1000 a year! Are you JOKING?! I've already been paying less than half that for over ten years. So where's the great discounts?
For a smooth cancellation request, start with your local agent. If you’re hoping to avoid any sales pitch to stay with the provider, you can mail in your written notice, though The General might still contact you to confirm cancellation. The insurer operates offices all over Louisiana. If you live close by, you can pop in to cancel your policy in person.
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 General Automobile Insurance Services, Inc. (or simply The General) is a licensed insurance agency that is a subsidiary of PGC Holdings Corp. (PGC), that focuses on auto insurance. In 2012, the company was acquired by American Family Insurance; The General brand still remains as a separate brand. The General specializes in insuring drivers who are considered "high risk," whose car insurance premiums are typically more expensive.
"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at Cheap Car Insurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]
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.
Asset protection: auto insurance, homeowners insurance, condominium, renters, scheduled personal property, business umbrella, commercial auto, commercial inland marine, small business owner, customizer and business package policy, landlord package, manufactured home, mobile home, motor home, motorcycle, boat, personal umbrella, comprehensive personal liability, recreational vehicle, off-road vehicle, motor club, loan protection and flood protection.