The General full coverage auto insurance covers liability claims, collision damage regardless of fault, and non-accident damage from things like animals and severe weather. Full coverage always includes liability insurance, collision insurance, and comprehensive insurance.
The definition of full coverage changes depending on the minimum requirements of your state. In some states, The General full coverage may also include uninsured/underinsured motorist coverage (UM/UIM), personal injury protection (PIP), and/or medical payments coverage (MedPay).
On average, The General full coverage insurance costs $2,802 per year, compared to the national average cost for full coverage of $1,992 per year.
The General Full Coverage vs. Other Types of Insurance
The General does offer “full coverage” car insurance. Full coverage is not an official insurance term, but it’s generally used to mean that a policy has more than just the liability coverage required by most states. The General has liability-only policies, which pay for damages to other people and property caused by a policyholder in an accident. They can also add collision and … read full answercomprehensive insurance to build a reasonably priced full coverage policy for the high-risk drivers who are its target market.
Collision and comprehensive insurance protect your own car. The General’s collision insurance covers damage to your vehicle if it flips over or collides with something. Comprehensive covers other kinds of damage, including losses caused by fire, theft, vandalism, weather events or contact with an animal.
Although both types of insurance are optional if you own your vehicle outright, The General requires drivers in most states to purchase them together. If your car is leased or financed, the lender will usually require collision and comprehensive coverage to protect their own financial interest in the car.
Despite having the basic policy options needed for full coverage, The General’s menu is relatively limited compared to other major car insurance companies. For example, they don’t offer guaranteed auto protection (GAP) insurance or mechanical breakdown coverage. For the full story, check out WalletHub’s 2019 review of The General.
To get a quote for full coverage insurance from The General, call (844) 328-0306 or visit The General’s website.
Full coverage insurance costs $1,997 per year or $166 per month, on average. Full coverage car insurance is more expensive than the legal minimum auto insurance coverage because full coverage usually includes collision and comprehensive insurance as well as the minimum coverage required by a state.
The cost of full coverage car insurance varies based on the state, the driver’s chosen coverage limits, the driver’s risk factors, and the vehicle’s value. Additionally, … read full answercomprehensive and collision insurance are subject to a deductible, and drivers can select a higher deductible in return for a lower premium. Drivers can also minimize the cost of full coverage car insurance by comparing rates and checking for discounts.
Full coverage insurance is an insurance policy that protects your vehicle from accident-related and non-accident-related damage, ensuring you are covered regardless of fault. Full coverage insurance often consists of collision insurance, comprehensive insurance, and at least the minimum coverage required by state law.
“Full coverage” is a term that is more commonly used by consumers than actual car insurance companies. Because of this, there are some varying definitions.… read full answer
Common Definitions for Full Coverage
Policies that include liability, collision, and comprehensive coverage
Policies that have the state-minimum insurance plus any coverage required by a lender or lessor
Policies that provide anything more than the minimum required liability coverage
Policies that cover anything and everything in the event of an accident
Although the definition of full coverage insurance may be different depending on whom you ask, the definition shouldn’t matter too much. You should always decide what car insurance to purchase, and how much, based on your own individual coverage needs as well as your budget.
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