The General
Nashville-based The General specializes in nonstandard auto insurance for motorists who are considered high-risk drivers, such as people who have a history of driving violations, have less-than-perfect credit or have let their coverage lapse. The General is an insurance agency that provides quotes from three related insurance companies.
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Average annual rate for good drivers:
$1,844
Average annual rate for drivers with a speeding ticket:
$1,970
Complaint level:
Very High
Pros
- Offers SR-22 filings for drivers who are required to prove to a state they have sufficient coverage.
- Specializes in high-risk drivers who may have difficulty finding affordable coverage.
- Has a mobile app and online customer portal that allow you to manage your account, file claims and make payments.
Cons
- High level of complaints filed with state insurance departments about car insurance.
- If you want good driver coverage options such as accident forgiveness or vanishing deductibles, you’ll have to look elsewhere.
- Does not offer usage-based insurance which can save good drivers money based on their driving habits.
Details:
Grade from Collision Repair Professionals:
C-
Accident Forgiveness:
Yes
New Car Replacement:
No
Gap Insurance:
No
Diminishing Deductible:
No
SR-22s:
Yes
Usage-Based Insurance:
Yes
Pay-Per-Mile Insurance:
No
Discounts:
- Making an upfront payment of six- or 12-month policies
- Insuring more than one vehicle with The General
- Having homeowners insurance, no matter who the insurer is
- Having had insurance with a previous company for at least five years
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