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General Auto Insurance

Welcome to General Auto Insurance, the number one choice for consumers. We cover every aspect of car insurance, from general information on each type of coverage to detailed explanations of how auto insurance policies are priced and put together. You can learn everything you need to right here.

We unravel the four major components of auto insurance coverage, from personal liability to optional add-ons, and why it’s important to protect yourself against lawsuits by supplementing your policy with umbrella insurance. We explain how car insurance rates are calculated and the different rating factors used by underwriters, from age band and gender to your driving experience and credit history. We also explain what you need to do before you begin to shop around for quotes, and how you need to think carefully about your individual circumstances and to prioritize the risks you would like to cover. Importantly, we guide you through the claims process, when to claim and when not to claim and how to handle disputes with your insurer.

Total Loss Claims

Know what a total loss is so that you don't totally lose

There are many traps for the unwary in total loss claims. If the claims adjuster from your insurance company has told you that your car is totaled, then get to work straight away. Never accept at face value the ACV of your car as determined by your insurer, and make sure your claim check includes everything it should, including unexpired license plate fees.

Insurance Agents

Exclusive or independent? Know the benefits of each

Exclusive insurance agents are tied to one company, and can only sell policies from that company. Independent insurance agents, on the other hand, are not tied to any particular company and can recommend a policy for you from a range of insurers. It pays to know the benefits offered by each before deciding which type, if either, is best for you.

Umbrella Insurance

Coverage for when it rains, and for when it pours

Umbrella insurance is one of the most important types of coverage you can buy, if not the most important. And here's the good news – it is one of the best deals in the entire insurance market. Umbrella insurance will not only top up the liability coverage under your car insurance policy, it will cover you for risks which your auto policy doesn't cover at all.

Insurance Scores

Your insurer is keeping score. How well are you batting?

Insurance companies know that your credit characteristics are very reliable in predicting the incidence and extent of auto claims you will make. These include your current debt levels, the types of debt you employ and your performance in managing credit. By knowing these factors you can influence your insurance score and lower the premiums you pay.

Risk Management

The ART of evaluating risk and reward

The key to risk management is understanding the relationship between risk and reward. When you attain that understanding, you will have a powerful tool to help you manage not just your auto insurance program, but all the risks you face. You will know the extent to which you should avoid, reduce or transfer risk rather than being exposed by retaining it.

Insurance for Special Vehicles

Got a special vehicle? Then get a special policy

Standard auto insurance policies are designed for standard cars, so they don't work when it comes to special vehicles such as customized cars, antiques and classic cars. They don't work because they don't cover non-standard items, and they don't provide coverage at levels sufficiently high to reflect the true market value of an extraordinary vehicle.

Learn the Basics of Auto Insurance

At General Auto Insurance, we think it’s important for our customers to learn the basics of car insurance so that they can make informed decisions about the coverage they buy. For that reason we have prepared a number of short lessons on auto insurance coverage in such a way that consumers can directly apply what they learn when buying a policy. We even provide short videos like the one below to help you quickly learn about some of the important aspects of coverage:

We also provide other helpful information such as how you can protect yourself against lawsuits by arranging the most appropriate liability insurance, and even cover special circumstances such as how you can protect yourself when renting a car. We also provide practical advice to drivers in the case of an emergency, by spelling out how you should respond at the scene of an accident. And if like many others you run into problems at claim time, we explain how you can cost-effectively resolve a dispute with your insurer to get your payout.

Our job is to help you learn the basics of auto insurance so you can be well-positioned when buying a policy to protect you and your family. The most essential areas to understand are:

  • The four main components of auto coverage;
  • Deductibles, and how to choose them;
  • Discounts, and how to qualify for them;
  • Your insurance score, and how to improve it;
  • Umbrella coverage, and how to arrange it.

We show you how to deal with insurance adjusters in the event of a claim, how and when to make a complaint if a dispute arises, and what avenues for redress you have to help you reach a satisfactory settlement, in ascending order of formality, complexity and cost. We also have a comprehensive section on the different auto insurance laws which apply in each state.

Insurance Agents