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Cheap Car Insurance

Is your car insurance rate too high? At The General®, we'll give you a free, no-commitment, cheap car insurance quote in 2 minutes or less.

Get a quote with us today!

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Cheap Car Insurance Quotes Online

You want good but cheap car insurance. You also want flexible payment programs, low down payments, and the coverage you deserve. Get all that and more when buying your car insurance online from The General.

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Frankly, no other auto insurer compares to us when it comes to affordable rates and great service. That’s our commitment to you. We have a flexible plan for you, no matter your situation. That includes:

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  • New car owners
  • Drivers with a history of driving violations or accidents
  • Drivers with lapsed auto insurance policies
  • Drivers requiring an SR-22
  • Individuals with less-than-perfect credit
  • Drivers who want to manage their policy via an app or online
  • Anyone looking for a more affordable car insurance policy

Flexible and Cheap Insurance Coverage

Other insurance companies might not provide you with affordable rates and flexible payment plans if you’re considered a high-risk driver, but that’s not an issue with The General. We accept most cars and drivers, and we’ll cover you when other insurers won’t.

We can help you get the coverage you need starting with a cheap car insurance quote. In fact, in some states, you may even be eligible for a better price if you’ve had any amount of auto coverage in the past 5 years.

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Is your license suspended or revoked? That’s a dealbreaker for many other insurance companies, but at The General, we strive to help you get quality insurance at the same flexible rates as other motorists. All you need is a prior license with a driver’s license number, and we’ll help get your auto insurance re-established after a coverage lapse.

Why do people buy their car insurance from us? The answers are simple to understand! One main reason is high quality at a great price, as we offer cheap car insurance. Another reason is just as important: family and friends recommend The General to them. For nearly 60 years, we have shown that we are there when you need us. Our track record speaks for itself, and that’s why so many satisfied customers recommend us to their loved ones.

Affordable Car Insurance Policies

Not only does The General make auto insurance policies affordable, but we also make your premiums easy to pay. Choose the payment option best suited for your needs. Perhaps that’s a monthly payment plan, automatic credit card or debit payments, or cash. You can even split payments if you have multiple drivers making payments.

At The General nothing is more important to us than our commitment to our customers. You receive cheap auto insurance with not only the flexibility you want, but also quality in customer service. At the General, that’s how we roll.

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Get a Free Quote, Pay Online, Get Instant Proof of Insurance

If you have 2 minutes, get a free car insurance quote online. After realizing how affordable our car insurance policies are, go ahead and pay your premium online through the method you’ve chosen. Once you complete the process, you can even get immediate proof of insurance and get on the road the same day!

Cell phone showing proof of insuance from The General because you can get a free quote, pay online, and then get instant proof of insurance!

Other large national auto insurance companies offer many of the same benefits. The difference is they may not offer these options, if they offer coverage at all, for higher-risk drivers. At The General, you can opt for all the traditional coverage options no matter your risk level. That includes:

  • Liability insurance
  • Collision and comprehensive coverage
  • Medical payments coverage
  • Uninsured or underinsured motorist - bodily injury

We will make sure that your policy meets all minimum state requirements. If you want to buy more coverage for extra protection in case of an accident and to protect your hard-earned assets, we’ve got options! That’s what auto insurance is for: driver protection and peace of mind.

The General provides you with a cheap car insurance policy, but we do not skimp on service. Our clients receive the best in customer service, another factor setting us apart from competitors.

When you contact The General for your free auto insurance quote online, you don’t need to supply any personal information. All that’s necessary is your ZIP Code and the type of car you plan to insure. Receive your quote in less than 2 minutes.

Once you find out how affordable our rates are, then go ahead and buy your cheap car insurance online. If you prefer, save the quote and come back to it later. We’re sure you’ll return because we offer great rates for higher-risk drivers. You’ll also like our low down payments.

Buying a policy is also quick and easy. The whole process is completed within 12 minutes.

Payments and Payment Flexibility at The General

What payment plans does The General offer for its affordable car insurance?

At The General, making auto insurance affordable is our business. From the start, you’ll know the amount of your initial down payment and all subsequent monthly payments. That information comes along with your free auto insurance quote so you can make an informed decision. You can even pick your due date!

Can payments for my low-cost car insurance be automatically charged to my credit card or withdrawn from my bank account each month?

If you want to pay your affordable auto insurance policy premium automatically every month, go right ahead. You can opt for a credit card, including Visa, Mastercard, Discover, and Amex, or have the premium deducted from your bank account. Not only is auto pay a huge time-saver, but you know that your car insurance is paid.

Can I make my monthly payments online?

Nothing is simpler than paying your auto insurance policy online. Just sign in to MyPolicy, our self-service site, then decide whether your payments are made via credit card or bank draft, and you're done. That's how easy it is.

With MyPolicy, you can see your policy online and make changes or renewals, or you can use our award-winning mobile app to perform these same tasks or to file a claim.

Do I get a discount if I pay my policy in full?

In most states, customers paying in full receive discounts. Where applicable, discounts are also offered to customers paying in full for both 6 and 12-month policies. Depending on the state, discounts may be available if you decide to pay quarterly.

No matter your decision, you know you are getting the best cheap car insurance on the market. In most states, The General offers other discount opportunities, including multi-car discounts for insuring more than one vehicle, and a homeowner’s discount if you own your home. For the latter, it doesn’t matter who insures your home—you may still qualify for the discount.

Other discounts may include (not available in all states & subject to verification):

  • Academic achievement discounts for full-time students
  • Vehicles with factory-installed passive restraints
  • Successful completion of a defensive driving course

There’s also a safe driver discount if you’ve had a clean driving record for 3-5 years. You might live in a state allowing a one-time Double Deductible discount. This doubles your deductible for the first 45 days after buying your policy.

Does marital status affect the cost of car insurance?

Some insurers offer auto insurance discounts for married couples as married people are considered lower-risk drivers. If you get divorced, you may end up paying more for coverage than a married person. However, The General makes it easy for divorced and single people to get cheap car insurance. Get a quote or talk to a Customer Service representative to see how your marital status will affect your coverage plan.

Do rates go up if I get a moving violation?

In many cases, insurance rates can increase after a moving violation or after an accident because you’re considered a higher risk than before. (Some states do not charge for the 1st moving violation or if the accident was under a certain amount, though.) Regardless, with The General’s discounts and affordable rates, you’ll be able to maintain your coverage, even with an imperfect driving record.

How can my teenager get cheap car insurance?

New teen drivers can benefit greatly from being added to their parents’ car insurance coverage. In addition, teenagers should take advantage of The General’s academic achievement discounts for even cheaper car insurance available in some states. Also, in some states, drivers holding learner’s permits may not require additional coverage and you’ll only be charged when they are fully licensed!

Frequently Asked Questions

You don’t really know if car insurance is cheap unless you compare quotes. Some car insurance policies may seem cheap, but they aren’t worthwhile if they don’t offer the coverage you need in case of a collision.

Before starting your cheap car insurance search, figure out what you need in terms of coverage. Then, shop around for the best rates. Some car insurance companies include so many options that it can be hard to decide what’s really included in the quote.

Always understand exactly what you’re paying for before buying cheap car insurance. You don’t want to find out after an accident that you’re not covered. Your best bet is going with a company with a long history and excellent track record of providing affordable car insurance, such as The General.

Everyone wants affordable car insurance. Maybe you’re already looking for “cheap car insurance near me,” but you may not always need to search for a local insurance agent when you have access to the internet.

One of the best, and certainly the easiest, ways to get cheap car insurance is by looking for cheap car insurance online. Just type in your ZIP Code and age, and you’ll get a basic premium quote. Obtain at least 3 quotes so that you have a good idea of your premium ballpark amount.

Once you receive a cheap car insurance online quote that matches your needs and wallet, you can buy that policy on the spot. Before receiving your exact quote, you’ll need to provide more information, including driver’s license and vehicle identification numbers for all drivers and vehicles in your household. Within just a few minutes, you’ll have car insurance!

The General provides affordable car insurance for high-risk drivers. Some of our customers could not get coverage from another insurer; at The General, we cover most motorists. Our payment plans are flexible, and even high-risk drivers benefit. We know that stuff happens, and we will give drivers another chance. A few missed payments during a hard time in your life shouldn’t keep you from getting insurance again. The same holds true if your credit rating is less than average.

We specialize in coverage for those with a history of driving violations, and for drivers whose insurance has lapsed or expired. Drivers may qualify for some of our discounts, including driving training and good student discounts.

We also provide auto insurance quickly. Start by checking an online quote, then buy a policy in just 12 minutes. You receive an insurance card to print out, and you can get behind the wheel and go.

How much cheap car insurance costs depends on several factors. You must always carry the minimum amount of liability coverage required by your state, and that varies. For most drivers, it makes sense to buy more than the minimum to protect your assets in case of an accident.

If you lease your car or still owe money on it, your contract almost certainly says you must buy comprehensive and collision coverage. Also, if you lease your car, you may be required to carry increased limits of liability. If you own your car outright, you can decide whether buying comprehensive and collision insurance is worth it. Keep in mind that you’ll need enough money to replace your vehicle if your car is totaled when you don’t have collision coverage.

Depending on your state, what you’ll pay for car insurance may depend upon your driving record, age, ZIP Code, and credit rating. While the other categories make sense – ZIP Codes indicate the number of traffic accidents in your town.

If you can’t afford car insurance, you can’t drive. Driving without insurance is illegal in most states and getting caught driving without insurance can really set you back. Besides paying heavy fines, you could lose your license and/or registration. If you get into an accident, you must pay for all the damages out of pocket. In a worst-case scenario, you could be sued for damages, which may affect any assets you own.

When you do try to buy a car insurance policy, you’ll end up paying more. In some states, the difference in premiums for a driver who lets coverage lapse could be 30% higher than the standard rate.

That’s why The General is committed to helping drivers by providing affordable auto insurance, even cheap full coverage car insurance. With affordable coverage, drivers have transportation to and from work and mobility for their families.

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