The General’s payment options are credit cards and electronic checks. The General customers can also set up automatic payments using a credit card or electronic check in most states. The General customers have the option of paying premiums in monthly installments or as one lump sum. Choosing to pay in full up front may even result in discounts in some states.
Ways To Pay Your The General Car Insurance Premium
Online using The General's payment portal
By calling 1‑844‑328‑0306
By mailing a check to The General Insurance / PO Box 305076 / Nashville TN 37230-5076
Using The General mobile app
Some of these payment options might not be available in all situations or all states, however. If you have further questions about paying your The General premium, you can call (844) 328‑0306.
Common The General Full Coverage Insurance Components
Liability insurance. Almost every state requires drivers to carry liability insurance, which includes property damage liability and bodily injury liability coverage. Liability insurance pays for others’ expenses after an accident you are at fault for.
Collision and comprehensive insurance. Collision insurance covers the cost of fixing or replacing the policyholder’s vehicle after an accident, regardless of who was at fault. Similarly, comprehensive insurance covers the policyholder’s car if it’s damaged by something besides an accident, like vandalism, a fire, or a natural disaster. Collision and comprehensive are not mandatory in any state, but they are usually required for leased and financed cars.
Uninsured/underinsured motorist coverage. This type of coverage protects you if you are involved in an accident with a driver who either does not have car insurance or does not have enough coverage. Uninsured/underinsured motorist insurance covers your expenses after an accident that should have been paid for by the at-fault driver’s liability insurance. It will automatically be included in your full coverage policy if it is required in your state.
Personal injury protection/MedPay. Personal injury protection (PIP) insurance and MedPay coverage both cover medical expenses for you and your passengers after an accident, regardless of fault. Depending on your state, you may be required to carry one or the other.
Although these types of insurance are commonly included in a full coverage policy, what your specific policy includes will depend on your state. Full coverage is not the official name of any type of insurance, so be sure to clarify whether these types of insurance are included if you’re purchasing a The General policy.
When You Should Consider Full Coverage From The General
A The General full coverage policy is a good choice for drivers who don’t want to pay for vehicle repairs out of pocket. If you are leasing or financing your car, you may be required to get full coverage.
Yes, you can get cheap car insurance from The General. Car insurance from The General costs $2,312 per year on average, according to WalletHub’s research. That’s cheap compared to other nationwide car insurance companies, ranking 4th out of the 46 insurers WalletHub compared. However, it may not be the cheapest or best insurance for everyone. Since The General focuses on selling minimal coverage to high-risk drivers, the company offers fewer discounts and coverage options than mainstream insurance providers. In addition, they have higher-than-average complaint numbers. For these reasons, experienced drivers with clean records are likely to find better and cheaper insurance with other companies.… read full answer
The General sells all the common types of coverage, including liability, medical payments, uninsured/underinsured motorist, and comprehensive and collision. Their low-down-payment options will help if you’re budget conscious. However, you won’t get many options when it comes to discounts. They have a good-student discount, a non-court-mandated driver training discount, and a transfer discount for switching to The General from another company. Their military discount is very limited – it applies only to full-time active personnel based in Louisiana.
The bottom line is that it may be worth getting a quote from The General’s website if you are a new driver or have violations or accidents on your record. It’s always smart to shop around – so be sure to get quotes from other companies and compare.
Car insurance is tax-deductible for self-employed people who use their car for business reasons, as well as for select other occupations. For example, car insurance is tax-deductible for armed forces reservists who travel for duty, some performing artists, and certain government employees who are paid via fees-per-service.
Business use means trips taken for work, but commuting to and from work is not deductible. For example, a photographer’s drive to her studio would not be deductible, but her drive from her studio to a client’s house during working hours would be. However, if the photographer had a studio in her house, then her drive from her home studio to a client’s house for work purposes would qualify as tax-deductible.… read full answer
How to Deduct Car Insurance on Taxes
Car insurance can be deducted by eligible taxpayers based on either mileage or actual cost. If you choose to deduct based on mileage, the official rate – $0.58 per mile in 2019 – incorporates all the expenses that go into driving, so insurance cannot be deducted separately. On the other hand, deducting based on actual expenses requires taxpayers to add up costs like insurance premiums, repairs, gas, tires, and registration fees.
Self-employed taxpayers can use Schedule C to deduct their vehicle expenses, whether using actual cost or mileage. Other eligible taxpayers can use Form 2106 for Employee Business Expenses.
Car Insurance Tax Deductibility Tips
If a car is used exclusively for business, the entire amount of its actual cost can be deducted.
If a car is driven for both business and personal reasons, the total cost can be prorated. For example, if the car is used for business half of the time, half of its actual cost can be deducted.
If a taxpayer is deducting based on mileage, they should keep careful track of their work-related miles and can deduct only that amount.
Regardless of which type of deduction you choose, it’s important to keep careful records of business vehicle use. In addition, it’s usually best to calculate your deduction using both the actual value and mileage methods, so you can choose the method that gives you the highest tax savings. If you’re still unsure whether you can deduct your car insurance, visit the IRS website or talk to a tax expert.
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