What Types of Car Insurance Coverage Does The General Offer?

Updated

The General offers four main car insurance coverage types: liability, collision, comprehensive, and full coverage. Which one fits you depends on your state's minimum requirements, your car's value, and how much financial protection you want. The General also states that it welcomes drivers with less-than-perfect credit and driving records, so a poor history doesn't automatically rule you out.

The Four Coverage Options at a Glance

Coverage type What it generally pays for Typical situation it fits
Liability Damage or injury you cause to others You want the state minimum or a lower-cost policy
Collision Damage to your own car from a collision Your car still has meaningful value you'd want to repair
Comprehensive Damage to your car from non-collision events (e.g., theft, weather, vandalism) You want protection beyond crashes
Full coverage A combination that bundles broader protection You want liability plus protection for your own vehicle

The General's site lists these four options but does not publish detailed limits, deductibles, or state-by-state rules. Those specifics are set when you get a quote, so treat the table as a starting map rather than a final answer.

How to Choose the Right Coverage

Start with what your state requires

Liability coverage is the baseline in most places. If you're unsure what your state mandates, that's the first question to settle before comparing anything else.

Then decide whether to protect your own car

Collision and comprehensive matter most when repairing or replacing your vehicle would be a real financial hit. If your car is older and low in value, the premium for these may outweigh the benefit — a trade-off worth running through a quote rather than guessing.

Ask about full coverage if you want one bundle

The General describes full coverage as combining the broader options. If you'd rather not piece coverage together, ask for this specifically and confirm what it includes in your state.

Getting Help Picking a Policy

The General says you can call, schedule a call, or chat online to talk through which coverage fits you. That's useful if your situation is unusual — for example, a lapse in coverage, a recent accident, or a rebuilt title — because the right mix depends on details a quote form won't capture.

A few things the site highlights that may affect what you pay:

  • Multiple vehicles may unlock more discounts.
  • Safety features on many vehicles can help.
  • Recent auto insurance (coverage in the last 6 months) could help you save.

Discounts and savings vary by state and depend on eligibility, so confirm them during the quote rather than assuming they apply.

What to Expect When You Get a Quote

The General says you can get an auto insurance quote in 2 minutes or less, and you can start a new quote or continue a saved one from its site. You'll enter your insurance type and ZIP code to begin. The company also notes more than 1 million drivers insured and an A+ AM Best financial strength rating as part of the Sentry Insurance Group.

Once you have a quote, check three things before deciding:

  1. The coverage limits on liability — make sure they meet your state's minimum.
  2. The deductible on collision and comprehensive, and whether you could pay it comfortably.
  3. Which discounts were actually applied versus merely listed.

If the online quote leaves gaps, use the call or chat option to confirm the details in writing.