Yes, The General has a discount for several cars. To be eligible for The General's multi-car discount, a customer must insure more than one vehicle with the same The General auto insurance policy. The discount is automatically applied to Eligible The General policies, but it's not cumulative, meaning you won't get a bigger discount for insuring more vehicles. You can save up to 25% on your total bill with a multi-vehicle discount, but the amount of the discount varies from company to company.
Keep reading to learn how having multiple cars on your insurance works and how much you could save. Cars that are less than three years old can often qualify for a new car discount, often between 10 and 15%. For example, seat belt discounts may apply only to medical payment coverage or personal injury protection, since those types cover passenger injuries. Discounts on anti-theft devices may apply only to comprehensive coverage, since that's the coverage that pays for a stolen car.
Owning a classic car or other special vehicles may require a separate policy, especially if you want specialized insurance coverage. Some insurers offer discounts only if the covered cars are in the same house and are insured by people who reside there. For example, New Jersey requires all insurers to offer discounts to drivers whose cars have certain anti-theft devices, and the state specifically includes vehicle recovery systems that communicate with the police in the list of eligible devices. For example, if your adult child lives with you and you insure your car with the same insurance company as yours, some insurers will offer you multi-car discounts on both policies.
If you insure multiple vehicles under the same policy, you'll receive a multi-vehicle discount for each vehicle you add. These plans are usually very popular, as they are usually cheaper than buying individual policies, which also include additional discounts for each insured car. Some insurers will offer residents a discount for several vehicles at the same address, although you may have different car insurance plans. You can get a package discount if you insure your car with the same company you use for condo, renters, boat, motorcycle or recreational vehicle insurance.
There are no differences in terms of coverage options or what the policy offers, but insurance companies do offer discounts for insuring more than one car. Whether you choose to work with an insurance professional or a local independent agent, you'll get expert advice to make sure you get all the discounts on your car insurance. You'll miss out on a multi-car insurance discount if you divide your policy coverage between two insurers. Some insurers will go a step further and even offer a multi-vehicle discount to residents of the same address, even if you have separate car insurance policies with them.
A multi-policy discount usually applies when buying car insurance and other policies from the same company. When you call for a second car insurance quote, it never hurts to ask for a combined discount if you've already covered your home with the same insurance provider. Always learn about the exact requirements of multi-car insurance policies, as well as whether you can add a family member's car to your current policy.