The General Auto Insurance Review

The General Insurance is a car insurance carrier based in Nashville, TN. The insurance company was founded in 1963 and offers car insurance in 46 states (and Washington, DC).

If you're considering whether General auto insurance is a good option for you, read on.

Pros	Cons
24/7 Phone availability	No free policy cancellation No locally available agents Does not offer digital claims reporting No accident forgiveness Does not offer emergency roadside assistance No rental car coverage No ridesharing coverage No transport trailer coverage No travel expenses or trip interruption coverage Does not offer many vehicle equipment discounts

What types of car insurance coverage options does General auto insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. General auto insurance offers the following types of car insurance coverage options:

• Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
• Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
• Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
• Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
• Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
•  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
• Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
• Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

General auto insurance customers can also add the following riders or endorsements to their insurance policies:

• Non-Owner Liability Coverage: This policy is designed for people who drive a vehicle they don't own. It is also used by businesses who want to provide coverage for their employees when they use their personal vehicles for work. In some cases this endorsement will also cover rental vehicles.

Does General auto insurance have roadside assistance?

No, The General Insurance does not have roadside assistace.

Does General auto insurance offer ridesharing insurance?

No, General auto insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does General auto insurance offer?

General auto insurance offers the following benefits to its customers:

• 24/7 Phone Availability: Customer service is staffed around the clock.

What insurance discounts does General auto insurance offer?

When you ask for an insurance quote with General auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.

• Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.

Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with General auto insurance.

How does The General Insurance calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and The General Insurance is no exception. However, you can be confident that General auto insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does General auto insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a General auto insurance insurance quote

• Visit the The General Insurance website.
• Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
• Check the information is accurate and submit your application.