If you are looking for cheap car insurance with non-standard coverage, you may want to consider general car insurance. The company specializes in serving customers with less-than-perfect driving records and credit histories. This can be useful if you don’t have an ideal driving record, but you may get better coverage and more options with a different insurance company. Read on to know more about this insurance. Also, know about the cost and coverage before you consider buying their policy.
WalletHub’s review of The General car insurance
If you’re looking for a car insurance plan, you’ve probably heard of The General. This Nashville-based car insurance company is a subsidiary of PGC Holdings Corp., and it’s well-known for offering cheap coverage for high-risk drivers. WalletHub’s review of The General’s car insurance rates reveals a few things that you may not know about this company.
Although The General offers middling customer service and insurance rates, it does have a highly-rated mobile app and online portal. The latter offers basic benefits and functionalities, including online billing and premium payment. Nevertheless, the company’s insurance rates are below average, and it could use some work on its financial stability. Overall, it offers a solid deal for average drivers. And it offers an excellent mobile app and on-demand phone support.
The General car insurance offers a number of discounts that vary by state, including a student discount, which requires documentation of academic achievement. Generally, the minimum requirement for student discounts is 3.0 GPA, B average, or upper 20%. The driver training discount, on the other hand, requires proof of completion of an official accident prevention course. These discounts can save you a significant amount of money on car insurance.
The General’s web site makes it difficult to find key information on its policy. You can’t find the details of coverage or discounts on The General’s website. To compare prices, prospective customers must request a quote for their policy. The General’s car insurance is affordable and competitive, but it’s not the best choice for those with bad driving records. Moreover, the company doesn’t offer many coverage options compared to its competitors and has a relatively low customer satisfaction rating.
Company’s financial stability
Whether you’re looking for the cheapest car insurance in Louisiana or want the best coverage for your needs, you’ll be glad to know that The General car insurance company’s financial stability scores an “A” in customer satisfaction. Its insurance policies cover traffic-related accidents, even if you’re not at fault, and also include coverage for events that are outside of your control, like hitting an animal while driving. The company’s coverage also includes property damage, liability, theft, vandalism, and accident death. The General is currently available in Tennessee, but plans to expand to other states by 2022.
While most car insurance companies are fairly stable, it’s always good to verify their financial stability as the economy can change. A recent pandemic in the U.S. caused stocks to crash rapidly. A wide-spread natural disaster can result in a huge volume of comprehensive claims. Unprepared car insurance companies could face financial instability or even a backlog of claims. Here’s how to determine if a car insurance company is financially stable:
First, check if the company’s financial strength is A or B. AM Best’s Financial Stability Ratings are an excellent way to determine the stability of a company. AM Best rates companies according to their financial strength and reliability. If The General receives a high rating, you can rest assured that it has strong financial health. Customers can file claims via telephone, email, and mobile app. Online claims are not available.
A good way to determine the financial stability of an insurance company is to look at its ratings with the A.M. Best credit rating agency. A B+ rating means that a company is financially stable, while a D+ rating means it’s unprofitable. Similarly, an A++ rating shows a company’s ability to meet financial obligations. A company that scores A+ on the A.M. Best rating will be financially sound, even if it doesn’t rank as high as other car insurance companies.
While The General car insurance company has A ratings, it may be a good idea to compare rates in various ZIP codes before deciding on a policy. Many companies charge a higher premium to drivers with poor credit. Having a bad credit rating can cost you thousands of dollars over time. Furthermore, inadequate coverage may make accidents and repairs more costly. You may want to consider paying more to have better coverage than is required.
Customer service
The General’s car insurance customer service is adequate, but it’s hardly stellar. Most reviews claim that the company’s representatives are rude or nonresponsive, so you may want to consider other insurance companies if you need to contact a live person. In addition, The General’s customer support hours are rather limited. Monday through Thursday, from 7 a.m. to 9 p.m. CST, and on Friday and Saturday from 8 a.m. to 4 p.m. CST.
Despite the negative customer service, the company offers a high-rated mobile app and an online portal with basic benefits and functionalities. This company’s insurance rate range is middling. If you have good driving record and low credit score, you can find cheaper coverage with another insurer. But if you have an imperfect credit score, you may want to look elsewhere. The General’s policy limits are average for many drivers, and the company can’t offer you as much coverage as other insurers do.
Coverage options
General car insurance coverage can be found from various car insurance companies. Some offer more comprehensive coverage than others, and others offer limited coverage. It all depends on what you’re looking for, but you can get good rates with the General’s coverage. There are a few things to remember when comparing car insurance quotes from various companies. Be sure to compare deductibles, coverage limits, and other factors, as different policies may offer different benefits.
Personal injury protection, also known as no-fault insurance, is required by law in some states and pays for injuries to yourself and others, even if you are at fault in an accident. Personal injury protection is especially important if you don’t have health insurance. Another good option is uninsured motorist bodily injury protection, which is optional in most states. It pays for expenses incurred after an accident, such as medical bills and lost wages. In addition to these two coverage options, General Auto Insurance offers comprehensive and collision coverage.
Collision and comprehensive coverage are optional but may be required by your lender. While collision coverage is not mandated, you might want to consider getting it if your vehicle is more expensive. Comprehensive coverage is important if you plan to park in an unsafe area or when your car has been stolen. You should also consider getting rental car insurance if you often travel for business. If you have a lot of expensive cars, this option will pay for the repair costs.
General car insurance also has a variety of nonstandard auto coverage. The company specializes in insuring people with less-than-perfect driving records and credit histories. These customers may be able to save money and get better coverage by comparing policies from other insurers. But if you’re driving a clean car and don’t have a bad credit history, you’re better off searching elsewhere. This way, you’ll be able to choose the best policy for your budget.