the General Car Insurance Reviews
The General Insurance Company is a car insurer who offers auto insurance coverage for high risk drivers having trouble getting car insurance. While drivers can often be exposed to higher rates for small blemishes on their driving record many car insurance companies also deny coverage for a number of infractions making it hard for consumers to obtain any kind of auto insurance policy.
The General car insurance company has a different way to calculate risk allowing many drivers another option before having to request assistance from High Risk auto insurance plans by the State.
Why would I be denied a car insurance policy?
Car insurance companies are under no obligation to insure you so its very possible you could be denied coverage for a number of reasons including, but not limited to:
- Prior Driving Violations
- Car Accident History
- Prior Claims History
- Type of Vehicle
- Lapse in Car Insurance
- Bad Credit
- and More
The General Car Insurance Company (or legally, General Automobile Insurance Services, Inc) is actually a subsidiary of PGC Holdings Corp. (PGC) and provides automobile insurance from Permanent General Assurance Corporation and Permanent General Assurance Corporation of Ohio who have A.M. Best ratings of “Excellent”.
Famous for advertising under a cartoon image of an Army General as the spokesperson for the General car insurance brand the company attracts a wide amount of attention from high risk drivers looking for affordable car insurance. While not every driver will be approved the company certainly does claim they have an auto insurance policy for almost every driver no matter what issues they have.
the General Car Insurance Advantages
One big advantage of the General car insurance company is how easy it is to get coverage. High risk drivers denied coverage have reported calling the General and getting an auto insurance policy in-force quick. One should expect rates are higher (as with any financial services company providing products to less than stellar applicants) however sometimes the need for car insurance is great enough premiums play less of a factor than just securing some type of policy in place.
Other advantages of the General Auto Insurance Company is they offer free online quotes through the company website using an ANONYMOUS form so you can quickly estimate your premiums privately. They also offer numerous payment options with low down payments and even still provide auto insurance discounts many of the big brand name insurers do.
Disadvantages – The General Car Insurance Company
“Any driver with a bad driving record has to realize they will pay more”
Many companies who offer products to high risk consumers (bad credit credit cards, poor credit mortgages, payday loans etc…) will always have some negative feedback floating around online however the General has a pretty sizeable chunk of the high risk auto insurance market and market share usually does correlate to some kind of consumer loyalty. While any kind of high-risk car insurance policy is not your optimal choice if you do fall in this category then the General Insurance Company is certainly worth considering.
Is the General Car Insurance Company the best option for High Risk Drivers?
One of the things we like to say is there is no best car insurance company title. Every wise consumer should always shop around and compare car insurance companies. While high risk drivers certainly have a much more difficult time obtaining coverage there are still many insurance providers and State programs available.
The best thing any high-risk driver can do to find cheap car insurance is to compare quotes from at least a handful of auto insurers. Never assume every company will deny you coverage because one did. If a GEICO or Allstate or other market leader denies you car insurance coverage then try another before automatically going to a high risk insurer like the General Car Insurance.