Most states require you a proof of insurance to register your vehicle into the DMV, specially when you buy a new one. One popular option for car insurance is The General insurance company that was founded in 1963. In this article, we will delve into The General and their comprehensive car insurance policies. We will discuss what it covers, how much it costs, and its benefits, in an effort to help you make an informed decision about your car insurance.
What is The General Comprehensive Car Insurance?
The General is an insurance company that offers comprehensive car insurance policies in the US. They founded this car insurance company in 1963, they’re affiliate of American Family Insurance.The General is also a company with a powerful financial strength rated A by AM Best.
Unfortunately J.D. Power hasn’t rated their customer claim satisfaction yet.
What Does The General Comprehensive Car Insurance Cover?
The General comprehensive car insurance excels for the protection of your car against non-collision damages like fires, floods, hurricanes, earthquakes, vandalism or theft. You may think “ok that’s a good one, but if I hit a deer my collision coverage will cover it, right?” no, that’s wrong, Collision coverage will never cover damages caused by hitting a deer, so you need comprehensive coverage.
How Much Does The General Comprehensive Car Insurance Cost?
Many factors will affect on the price of their comprehensive car insurancejust like your age, driving record, location or the make and model of your vehicle. On average, The General Insurance offers a comprehensive coverage for a 35-year-old driver, with a clean record, driving a Subaru Outback is 264.45 per month.
How much is the comprehensive coverage price difference between The General Insurance and other car insurers?
Taking the same example above, the same 5-year-old driver, with a clean record, driving a Subaru Outback we can have a look how expensive is a comprehensive coverage from The General Insurance compared to the main car insurers:
Progressive: $136 per month, They cover your pet in case you suffer an accident with your car, and you can add rideshare on your policy, but their customer service is not very reliable.
State Farm: $158 per month, it's your best choice when you have driven with a suspend license or after a hit-and-run. but they don't offer gap insurance as coverage option, so you're asking lenders some money to buy your car, and for any case your car gets totaled right after leaving the dealership, and you will still have to pay the loan.
USAA: $158 per month. They offer great discounts and their claim satisfaction rate is the highest in the country, but it's only available for drivers with military ties.
The Hartford Insurance: $174.95 per month. Even being one of the most expensive car insurance companies in the country, they offer great benefits for all AARP members only.
The General Insurance: $264.45 per month, is your best choice when you filed past at-fault accidents or DUIs, but their complains listed in their NAIC is above the average.
What Are the Benefits of The General Comprehensive Car Insurance?
The General comprehensive car insurance offers the very good prices for those drivers with poor credit score or some past infractions like DUIs or at-faul accidents, they offer. In a nut-shell, high-risk drivers will pay less rates in The General Insurance.
Their drawback is even not having customer’s claim satisfation review by J.D. Power, you can still check their NAIC complain index that it clearly shows they received more complains that other car insurers.
FAQs
Q: Does The General offer liability insurance?
A: No, The General only offers comprehensive and collision car insurance.
Q: Does The General offer roadside assistance?
A: Yes, The General offers roadside assistance as part of their comprehensive car insurance policies.
Q: Can I customize my The General comprehensive car insurance policy?
A: Yes, The General Insurance let you to add and customize your policy almost everything from your it.
Q: How long does it take to file a claim with The General?
A: The General has a customer service that is 24/7 available for their customers, however, as I explained above, they got more complains than the average car insurance companies in the country.
Q: Does "The General" offer discounts for safe driving?
A: Yes, The General offers discounts for safe driving and completing a defensive driving course, but they offer a big discount when you set double deductibles for the first 45 days of your policy.
Conclusion:
The General Insurance is your best option to buy comprehensive coverage when you caused past at-fault accidents or DUIs. They have 1 big discount when you set double deductibles for the first 45 days of your policy, they also offer new customer and Pay-in-full discounts. Remember: many factors will affect on your car insurance like your driving records, your car’s make and model or your credit record. On average, a 35-year-old driver, with a clean record, driving a Subaru Outback will pay 264.45 per month from The General Insurance.
Other readers were also interested in some of the following posts:
How Much is Progressive Comprehensive Car Insurance?
How Much is The Hartford Comprehensive Car Insurance?
How much is Nationwide comprehensive car insurance cost?
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