The General® Car Insurance | Start a free online auto insurance quote now! (2024)

What makes The General Insurance affordable?

The General offers cheap car insurance because we provide affordable rates and discounts across the country. We offer affordable, or cheap, pricing for drivers regardless of driving history. Depending on your state, you can find discounts for homeowners, good students, military (Louisiana only), if you’ve had auto insurance with a previous company, and more.

Other insurance companies may be too far out of your budget if they consider you “high-risk.” But The General is able to provide cheap—affordable—car insurance no matter what your driving record looks like.

How can I get a car insurance quote?

Getting a car insurance quote from The General is easy: You can get the quote at any time of the day or night, on the device you prefer and the schedule that works for you. There’s no reason to call a few insurance companies during work hours and answer the same list of questions. Instead, get several car insurance quotes at once in the privacy of your home and comparison shop. Aim for at least 3 quotes so you know your ballpark premium amount.

Car insurance quotes are estimates. It isn’t until you provide the specific information needed for your policy that you receive the exact premium amount. If the insurance company requests additional information, that information will provide a more accurate quote. Look for insurance companies that calculate your coverage needs automatically for greatest accuracy.

Where can I get the best car insurance quote?

Not all car insurance companies are created equal. Some company that no one has ever heard of before may offer cheap auto insurance quotes online, but low costs are not proof that they’ll offer you the best benefits. The whole point of car insurance is having protection when you need it. Unlike other products, you never want to need your insurance, but it is there when an accident happens. You could end up paying years’ worth of premiums to an unknown company, then discover they aren’t there for you when you need them.

Look for an insurance quote from a well-known company with a long track record. The General is a good example, as we’ve been in business for nearly 60 years. We’re famous for providing even high-risk drivers with affordable car insurance coverage.

Are The General car insurance quotes free?

Any company that tries to charge potential customers for a car insurance quote is not going to get their business. That’s why car insurance quotes online are virtually always free. There is absolutely no obligation. The whole process is completely anonymous and short. You can receive a free, no-obligation quote in just 2 minutes or less. When you find a policy you really like, buy it online and obtain an insurance card in just minutes. There’s really no more efficient way to compare car insurance quotes and get yourself a policy immediately.

How do I get the cheapest car insurance quote online?

You’ll find the cheapest car insurance quotes online by comparing the rates of several insurance companies. However, you must know the best insurance quote for your particular needs. Often, you can only figure out which insurer truly offers the cheapest car insurance quote by digging into the details. Those details include the types of discounts for which you’re eligible, such as a good student or multi-policy discount.

Homeowners usually pay less in car insurance than renters, married people less than single individuals, and more education may equal lower premiums. Credit scores also play a crucial role. Some companies offer rates based on mileage, so if you don’t drive your car that much, you can save on premiums.

Until comparing quotes based on your particular details, you aren’t sure you are really getting the cheapest car insurance quote online. The criteria used by insurance companies for cheap car insurance quotes online boils down to who they think will file fewer claims.

Does getting a car insurance quote affect my credit score?

Perhaps you’re concerned that obtaining several auto insurance quotes could end up causing problems with your credit score. Credit scores are one of the vital factors insurance companies use when determining premium costs, but don’t worry. Getting a car insurance quote does not affect your credit score.

That’s because a car insurance quote online does not work the way applying for a credit card does. When you apply for a credit card, the bank does a hard inquiry on your credit report. This can end up costing you several points on your credit score. When you get an insurance quote, the insurer opts for a soft inquiry, which has no effect on your score. That means you can “comparison shop” for cheap car insurance quotes without worrying about your credit score declining.

What information is needed for a car insurance quote from The General?

Receive a car insurance quote from The General by submitting your ZIP Code and some other information about any insurance exclusions, credit history, and liability. Insurance companies check your ZIP Code for the number of accidents in the area. If you live in a place with a high accident rate, usually urban locations, expect to pay more for auto insurance than someone living in a light traffic region. The younger you are, the more you can expect to pay in insurance premiums. The good news is that age-related premiums start coming down around 25, as long as your driving record stays clean.

You don’t need to submit any other personal information until you decide to buy the policy. When you decide to buy a car insurance policy, you will have to provide the company with your name, address, driver’s license number and vehicle registration. You must include the make, model, and year of your car, and how long you’ve owned it, along with your annual mileage and driving history. Always tell the truth about any traffic violations you’ve received, because the insurance company will find out, and it will affect your premiums. Some insurance companies will not accept you if you did not have at least 6 months of prior car insurance coverage, but that’s not the case with The General.

The General® Car Insurance | Start a free online auto insurance quote now! (2024)


Who typically has the cheapest car insurance? ›

The top 10 cheapest car insurance companies in the U.S. among both national and regional insurers are:
  • Travelers: $1,191.
  • Auto-Owners: $1,203.
  • Country Financial: $1,270.
  • Erie Insurance: $1,274.
  • Geico: $1,307.
  • Nationwide: $1,470.
  • Progressive: $1,593.
  • State Farm: $1,703.
1 day ago

Why is the general car insurance so cheap? ›

Why is The General so cheap? Since The General specializes in providing coverage for high risk drivers, you can expect cheaper rates if you fit that profile. The company also does not have agents and is able to cut overhead costs, making it possible for lower premiums and policy costs.

Are online insurance quotes legit? ›

Yes, nearly every major insurer offers a way to get quotes for car insurance online, though some require you to contact an agent before you can finalize your purchase. However, many companies allow you to complete the entire process on the internet, from quote to purchase.

Does Shaquille O'Neal own the General insurance? ›

Shaq owns part of The General, Gold Bond, Icy Hot, Buick, Marilyn Monroe, Elvis Presley, Forever 21, JCPenney, and more.

What is the cheapest insurance for full coverage? ›

American National, Country Financial, Nationwide, Erie and USAA offer the five cheapest full-coverage insurance policies. According to our rate data, the national average annual cost of a full-coverage car insurance policy is $2,008 per year.

Who is cheaper, Geico or Progressive? ›

Key Takeaways: Geico is best for you if you're simply looking for the cheapest option, as the provider has a cheaper average rate estimate in 82% of states across the U.S. Progressive is best for you if you're looking for more coverage options, add-ons and customizations.

Is The General cheaper than Geico? ›

No, The General is not cheaper than Geico for car insurance. A minimum-coverage car insurance policy with The General costs $2,196 per year, on average, while a minimum-coverage policy with Geico costs an average of $856 per year. Full coverage from Geico costs less than The General's coverage, too.

What is the best car insurance? ›

Key takeaways

Amica and Geico tied in Bankrate's analysis as the two best auto insurance companies overall. Progressive is the best major auto insurer for high-risk drivers. Auto-Owners and Nationwide are two of the best companies for budget insurance and robust discounts.

Did Progressive buy The General? ›

In 2012, the company was acquired by American Family Insurance; The General brand still remains as a separate brand. The General specializes in insuring drivers who are considered "high risk" whose car insurance premiums are typically more expensive. Tiku Raval is the current President of The General.

Is it better to get a car insurance quote online or over the phone? ›

Buying insurance directly without the help of an agent gives you more freedom to adjust coverages, and you'll be able to see auto insurance quotes online for yourself. However, there may be follow-up calls and emails or you may find that websites can provide less information than speaking directly with an agent.

Is it OK to buy auto insurance online? ›

Buying car insurance online is usually only a good idea for people with simple policies, like just one driver and one car. Just make sure you feel confident that you're choosing the right coverage. If you have a more complex situation, you should probably talk with an agent to buy a policy.

Should I buy insurance online or through agent? ›

While buying insurance online offers the advantage of cost-effectiveness, purchasing insurance through an agent provides the benefits of personalized service and in-depth policy analysis. Customers must consider their unique needs and priorities to determine the best option.

What is Shaq's car insurance? ›

Ride With The General. ® Here's why Shaq does

It's no surprise; we've been providing quality auto insurance for almost 60 years.

Does Shaq still own Five Guys? ›

Shaq's first significant investment in a franchise was in this chain, he bought and sold 155 Five Guys restaurants. That amounted to 10% of their company at the time. The Diesel eventually sold his stake in the fast-casual franchise; Five Guys Burgers restaurants have undoubtedly made him wealthy.

Does Shaq own JCPenney now? ›

Today, reports confirm that Shaq is the second-largest individual to own shares in Authentic Brand Group, which owns JCPenney, Forever 21, and, ironically, Reebok. While he may sell a hefty million shoes per month, O'Neal is no stranger to using the fortune he's amassed to help others.

What type of car insurance is the cheapest? ›

Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circ*mstances.

Is $500 a lot for car insurance? ›

Yes, $500 a month for car insurance is very expensive. The average cost of car insurance ranges from about $60 per month for state-minimum coverage to $166 per month for full coverage, though individual car insurance rates vary based on factors such as driving record, age and location.

At what age is car insurance cheapest? ›

Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75.

Which car insurer is best? ›

Car Insurance CompanyMotor OD Claim Settlement Ratio FY23Network Garages
Digit Car Insurance96.00%Repair anywhere
Bajaj Allianz Car Insurance98.50%4,000+
Kotak Mahindra Car Insurance98.00%2,327+
Zuno Car Insurance98.00%1,500+
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