What Discounts Does The General Offer?

The General is so expensive because it specializes in covering high-risk drivers, who are more likely to file a claim than the average person. At $1,186 per year, the average policy from The General is much more expensive than the national average of $671 per yearfor a policy with minimum coverage.

Because The General is a nonstandard insurance company, it has to offset the cost of potential claims with higher premiums. Insurance from The General is the most expensive for drivers with certain characteristics, though, like drivers who have recently caused an accident or been convicted of a moving violation. For example, The General raises rates by an average of 32% for drivers who get into an at-fault accident. On the other hand, drivers with a DUI pay an average of 15% more for coverage than drivers with a clean record.

Factors That Can Make The General Insurance More Expensive

• Being a young or inexperienced driver
• Purchasing a full coverage policy versus minimum coverage
• Causing an accident or being convicted of a moving violation
• Living in a high-risk ZIP code
• Driving an expensive vehicle
• Having a poor credit-based insurance score

If you're struggling to afford your policy with The General, there are ways for you to lower your rate. For example, you can take advantage of The General's discounts or reduce your coverage. In some cases, it might be better to switch insurers altogether. It's usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses their own algorithm to calculate premiums, so even if The General is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub's review of The General insurance.

The General does not advertise a marriage discount, though married drivers to pay less for their policy with The General than single drivers than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 7% less for coverage from The General than the same driver without a husband or wife. Married people also typically qualify for more discounts with The General, like the multi-vehicle discount.

Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower rates from The General. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your policy with The General.

To get a The General quote, you can go online or call 1 (866) 519-7422.

You can get The General's safe driver discount by maintaining a clean driving record for 3-5 years, depending on the state. The General does not specify an exact safe driver discount amount, as it varies between states.

If you don't qualify the The General's safe driver discount, there are still ways for you to save on your premium. For example, The General offers a multi-car discount for drivers who insure more than one vehicle in their household.

To learn more, check out WalletHub's guide to The General discounts.

The General offers a defensive driving discount that seniors can qualify for, though the discount is available to drivers of any age. Like most insurance companies, The General does not have a senior discount that automatically lowers rates for all older drivers.

In addition to the defensive driving discount, The General has other ways for senior drivers to save. For example, The General offers a multi-vehicle discount, which gives a discount to drivers who insure more than one car with The General.

To learn more, check out WalletHub's guide to The General discounts.

The General does not disclose how much their homeowner's discount is, but other companies report having discounts for homeowners ranging from 3% to 15%. Homeowners often get good discounts on car insurance because they seem less risky, but bundling insurance policies is another easy way to save on premiums.

Other Discounts Available From The General

• Multi-car discount
• Good student discount
• Passive restraint discount
• Defensive driver discount
• Pay in full discount
• Safe driver discount

To learn more, check out WalletHub's guide to The General's discounts and our full review of The General car insurance.  

You can get The General's pay-in-full discount by paying your policy up front in full for either your 6 months policy or your 12 months policy. The pay-in-full discount allows drivers to save on their car insurance premium by choosing to pay for the entire cost of their policy up front rather than opting for installments. Keep in mind that The General's pay-in-full discount is not available in some states.

If you cannot pay your entire premium up front, you can still take advantage of other discounts. For example, The General has a multi-car discount for drivers who drivers who insure more than one vehicle.

To learn more, check out WalletHub's guide to The General discounts.

No, The General does not have a teacher discount. Although The General does not offer special discounts for educators, teachers can still save with some of The General's other discounts, including a good student discount, a multi-car discount, and a pay in full discount.

That said, car insurance companies like The General often take a driver's occupation into account when calculating rates (in states where it is allowed). As a result, teachers might save simply because they are in a low-risk occupation for car insurance.

Insurance companies do not disclose their exact formulas for calculating rates, however. So comparing quotes between at least three companies is still the best way to find inexpensive coverage for teachers.

No, The General does not offer a new car discount, unlike three of the 10 largest car insurance companies. But policyholders with The General can still find other ways to lower their premium, such as by taking advantage of their passive restraint discount, multi-car discount, or defensive driving discount.

For more information about saving on your insurance, check out WalletHub's complete guide to The General discounts.