The General auto insurance company may not be a household name like Progressive or GEICO, but their deals are amazing! This is good news to consumers who are looking for cheap and reliable alternatives to the big name companies.
It used to be that you could only find out about the smaller insurance companies if you had an insurance agent, but now with the Internet, you can be your own agent and find a company that best suits your needs, instead of settling for a company just because that is all you have heard of.
Everyone is required to have some form of auto insurance. Most states only require simple liability, which means that as a driver, you and your car will not have any coverage. The only people that are covered are those you get in an accident with. Who wants to drive around with that low level of coverage? Not anyone, but we usually do what we can afford.
For those people with a rough driving history, it is even more likely they will only carry liability coverage. This presents a problem to the country at large because this lack of insurance gets paid for by taxpayers in the long run. Affordable insurance is the answer, but it is hard to find.
Getting Accepted for Coverage
One of the worst parts about applying for insurance is getting that denial letter, or fearing your application will be denied. If you have an excellent driving history, great credit (yes, they check your credit) and have always had some form of insurance (you get penalized for lapses in coverage), then you probably have your pick of insurance companies. If this is you, then great! Just make sure you do price and coverage comparisons. Sometimes what looks like the best deal is too good to be true.
People turn to The General when they find they cannot get insured by other companies. They stand by the fact that they accept most cars and most drivers. Drivers with less-than perfect credit, marred driving histories or time without insurance are still able to get coverage in most cases. The General auto insurance can offer you a good price for your auto insurance policy.
Avoiding Fraud
One bad thing about the wealth of information and the Internet is the large amount of fraudulent companies that pop up all over. Consumers are less apt to go with a company whose name they do not recognize. The General auto insurance is under the umbrella of PGC Holdings Corporation and has been writing insurance policies under different company names for close to 50 years. When you choose an auto insurance company, you want a company that has financial stability so they can cover your claims.
Check with the Better Business Bureau. You can go to the BBB website and type in the insurance company name. For The General auto insurance company, you have to look under Permanent General Companies, Inc. You will find that they have an A+ rating. Companies cannot determine their own rating. The Better Business Bureau determines the ratings based on consumer satisfaction, adequate responses to complaints, financial stability and more.
A.M. Best is another great place to check the stability of an insurance company. They provide credit ratings, financial status and news for tons of companies. PGC, the parent company of The General, has a rating of “Very Good.”
Buying Online
We talked about insurance agents before, and while they are still out there, more and more people are cutting them out of the picture. An insurance agent used to come to your house, sell you on different insurance products and then take a commission from the company they sold you insurance from.
Now a days, insurance companies are able to offer even cheaper rates by cutting this middle man (or woman) out of the picture. The General auto insurance makes it really easy to do everything online. You can get a quote, apply online, check the status of your account and even pay your bill online. Doing all of this yourself makes your insurance premium even lower.
The General’s Focus
Since this company focuses on quick applications and affordable rates for high-risk
It used to be that you could only find out about the smaller insurance companies if you had an insurance agent, but now with the Internet, you can be your own agent and find a company that best suits your needs, instead of settling for a company just because that is all you have heard of.
Everyone is required to have some form of auto insurance. Most states only require simple liability, which means that as a driver, you and your car will not have any coverage. The only people that are covered are those you get in an accident with. Who wants to drive around with that low level of coverage? Not anyone, but we usually do what we can afford.
For those people with a rough driving history, it is even more likely they will only carry liability coverage. This presents a problem to the country at large because this lack of insurance gets paid for by taxpayers in the long run. Affordable insurance is the answer, but it is hard to find.
Getting Accepted for Coverage
One of the worst parts about applying for insurance is getting that denial letter, or fearing your application will be denied. If you have an excellent driving history, great credit (yes, they check your credit) and have always had some form of insurance (you get penalized for lapses in coverage), then you probably have your pick of insurance companies. If this is you, then great! Just make sure you do price and coverage comparisons. Sometimes what looks like the best deal is too good to be true.
People turn to The General when they find they cannot get insured by other companies. They stand by the fact that they accept most cars and most drivers. Drivers with less-than perfect credit, marred driving histories or time without insurance are still able to get coverage in most cases. The General auto insurance can offer you a good price for your auto insurance policy.
Avoiding Fraud
One bad thing about the wealth of information and the Internet is the large amount of fraudulent companies that pop up all over. Consumers are less apt to go with a company whose name they do not recognize. The General auto insurance is under the umbrella of PGC Holdings Corporation and has been writing insurance policies under different company names for close to 50 years. When you choose an auto insurance company, you want a company that has financial stability so they can cover your claims.
Check with the Better Business Bureau. You can go to the BBB website and type in the insurance company name. For The General auto insurance company, you have to look under Permanent General Companies, Inc. You will find that they have an A+ rating. Companies cannot determine their own rating. The Better Business Bureau determines the ratings based on consumer satisfaction, adequate responses to complaints, financial stability and more.
A.M. Best is another great place to check the stability of an insurance company. They provide credit ratings, financial status and news for tons of companies. PGC, the parent company of The General, has a rating of “Very Good.”
Buying Online
We talked about insurance agents before, and while they are still out there, more and more people are cutting them out of the picture. An insurance agent used to come to your house, sell you on different insurance products and then take a commission from the company they sold you insurance from.
Now a days, insurance companies are able to offer even cheaper rates by cutting this middle man (or woman) out of the picture. The General auto insurance makes it really easy to do everything online. You can get a quote, apply online, check the status of your account and even pay your bill online. Doing all of this yourself makes your insurance premium even lower.
The General’s Focus
Since this company focuses on quick applications and affordable rates for high-risk
drivers, they are able to survive and be profitable in the competitive insurance world. By drilling down their focus to the younger and more high-risk driving populations, they are able to provide affordable rates for those drivers who either cannot find coverage elsewhere or cannot find rates they can make work financially.
The General does not have any physical offices and they do all of their business online. This business plan affords them the opportunity to keep costs to you low because they save money in other ways. This would not have worked years ago, but the population they cater to does a lot of transactions online and is very comfortable doing so. Their narrow focus makes them able to compete with big-name companies.
Even if you have had a DUI or DWI, or need an SR-22 driving requirement, The General has options for you. Of course, you will not have the same low rates as other drivers, but when you compare the rates for the secondary population across the other major insurance companies you will find the rates are very reasonable.
With the ease of application, the loose requirements and easy billing options, it seems the answer is clear. The General auto insurance policies have a lot of options for drivers who may not otherwise be able to get coverage, and insured drivers are better for all of us on the road.
The General does not have any physical offices and they do all of their business online. This business plan affords them the opportunity to keep costs to you low because they save money in other ways. This would not have worked years ago, but the population they cater to does a lot of transactions online and is very comfortable doing so. Their narrow focus makes them able to compete with big-name companies.
Even if you have had a DUI or DWI, or need an SR-22 driving requirement, The General has options for you. Of course, you will not have the same low rates as other drivers, but when you compare the rates for the secondary population across the other major insurance companies you will find the rates are very reasonable.
With the ease of application, the loose requirements and easy billing options, it seems the answer is clear. The General auto insurance policies have a lot of options for drivers who may not otherwise be able to get coverage, and insured drivers are better for all of us on the road.
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