How can I get a The General affiliation discount?

Yes, The General does have a military discount of 25% off a customer’s auto insurance premium, but only in Louisiana. The The General military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there. However, there is no official The General military discount for drivers in other states.… read full answer

Louisiana is the only state that requires car insurance companies to offer military discounts, so service members and their families based in Louisiana will save on their car insurance premiums regardless of the company. To ask The General to apply a military discount to your policy, call 1 (866) 519-7422.

The General Military Discount Eligibility Requirements

• Are an Active Duty Soldier based in Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas from Louisiana
• Are an Active Duty Soldier and deployed out-of-state or overseas, with a spouse and/or dependents who are based in Louisiana

Drivers who do not live in Louisiana but are military personnel may be eligible for other The General discounts. For instance, The General offers a good driver discount if you have maintained a clean driving record for several years.

To learn more, check out WalletHub’s The General review, as well as our picks for the best military car insurance companies.

Yes, The General’s insurance rates are competitive for high-risk drivers, including those with a history of moving violations and/or at-fault accidents. The General car insurance costs an average of $1,186 per year, or $99 per month.

The General’s car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.… read full answer

Sample The General Car Insurance Rates

Note: These rates are approximations based on sample quotes from The General. Actual rates will vary.

To learn more about how we obtained these sample quotes, check out the methodology section of our complete The General car insurance review.

You can lower your car insurance with The General by taking advantage of discounts, opting for a higher deductible, and reducing your coverage, among other things. The General considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer

How to Lower the Cost of Car Insurance from The General

Use The General’s auto insurance discounts

The General offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount if their policy covers a college or high school student who maintains at least a "B" average Or you can save on your premium if you pay in-full for your policy.

Raise your car insurance deductible

Opting for a higher deductible on any of your insurance policies from The General can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.

Reduce your car insurance coverage

Most states require a certain amount of bodily injury liability and property damage liability coverage. But there are other coverage options (like comprehensive, collision, personal injury protection, and uninsured motorist) that you may not have to purchase, depending on your state.

Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.

Improve your driving record

Practicing safe driving habits and avoiding moving violations can help you qualify for lower rates from The General long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. The General even offers a discount to drivers who take an approved defensive driving course.

Build and improve your credit

Because your credit history is correlated with your likelihood of filing an insurance claim, The General uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.

Drive less

Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your premium with The General.

Drive an insurance-friendly car

Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from The General to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.

Finally, if you’re struggling to afford your policy with The General, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.