The General car insurance costs an average of $1,187 per year ($99 per month) for a minimum-coverage policy, which is more than the national average of $720 per year. The exact cost of auto insurance with The General depends on factors such as a driver’s history on the road, age, state, and coverage limits. For example, full coverage insurance from The General costs an average of $2,802 per year.
Average Cost of The General Car Insurance by Category
Average Annual Premium
After a Speeding Ticket
Recent At-Fault Accident
The General determines car insurance rates by considering the likelihood of the driver filing a claim in the future. Some drivers, like teens or drivers who recently caused an accident, are considered to be especially high-risk, so they’re charged higher rates than the average policyholder. The good news is that The General offers several discounts that drivers can use to save on their rate, including a multi-vehicle and a good student discount.
To see how much a The General policy will cost you, you can go online or call 1 (844) 328-0306. You can also learn more by checking out WalletHub’s 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.
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.
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.
The General insurance rates go up by an average of 36% after an accident. Even though an accident will cause The General to raise your car insurance premium when you renew your policy, the added cost will only be temporary. An accident will usually affect your The General premium for just … read full answer3-5 years.
The exact amount that The General premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, the policyholder’s driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Additionally, premiums increase more for drivers who have had previous accidents or moving violations.
The General car insurance premiums go up by an average of 17% after a speeding ticket, according to WalletHub’s analysis. The exact amount that a driver’s rate will go up after a ticket depends on a few factors, including their state, how fast they were going, and their previous driving history.… read full answer
For example, a speeding ticket will cause The General to raise your rate by 42% in New York, compared to only 17% in Arizona. And if you’ve received other tickets within the past few years, you’ll face higher penalties than first-time offenders because The General may consider you a high-risk driver.
The good news is that a speeding ticket will only affect your policy with The General for 3-5 years, depending on your state. In the meantime, there are steps that you can take to lower your rate. For example, you may be able to take a defensive driving class to remove the ticket from your record. You can also lower your coverage or check The General’s discounts to see what you can qualify for.
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