Navigating Car Insurance in Lafayette, LA with The General

Finding affordable car insurance in Louisiana can be a challenge, especially if you have less than perfect credit or driving history. But The General Insurance has a local office right in Lafayette LA to help residents get covered. I recently shopped their Lafayette branch and want to share my experience navigating car insurance with The General’s Lafayette office.

Why I Needed a New Insurer

After getting into a minor accident, my former insurer dropped me. I was now considered “high risk” and really struggled to find affordable rates from major companies. Here’s a quick rundown of my situation

• Moved to Lafayette, LA 6 months ago
• Prior accident on record
• 2 speeding tickets on driving record
• Poor credit score due to unpaid medical bills

Every quote I got was $200+ per month, which I just couldn’t swing as a student on a tight budget. A friend suggested I contact The General since they specialize in high risk drivers.

Getting to Know The General Insurance

The General is a nationwide insurance provider based in Nashville, TN that offers policies to higher risk drivers unable to get affordable rates elsewhere. Here’s some useful background info on The General:

• Specialize in auto, life, renters, motorcycle and more for high risk clients
• Offer policies in 47 states, including Louisiana
• Have physical branches only in Louisiana currently
• Known for low down payments and access to local agents
• Serve over 4 million policyholders nationwide

The General seemed like the perfect option for my situation! I just needed to connect with their local Lafayette, LA office to get a quote.

Contacting The General’s Lafayette Insurance Office

I searched online and found The General has an office located right in the heart of Lafayette:

The General Insurance
514 Johnston St
Lafayette, LA 70501

This gave me several options to connect with an agent:

• Call the office directly – I dialed (337) 233-3400 to speak with the Lafayette team.

• Visit in person – I could go to their Johnston St location and meet advisors face-to-face.

• Schedule online – I booked a quote appointment through their website.

• Email the branch – Their site lists email for each location’s staff.

Getting setup was quick and easy. An advisor named Megan helped explain coverages and pricing over the phone and offered to email some policy options.

Getting an Auto Insurance Quote

Megan made getting a car insurance quote smooth and painless. Here are the steps we took:

• Gathered details on my driving history, car details, and personal info.
• Discussed options: liability, collision, comprehensive, uninsured motorist, etc.
• Provided guidance on Louisiana’s insurance minimums and requirements.
• Ran quote options based on various coverage types and deductible levels.
• Explained all available discounts to maximize my savings.
• Answered all questions I had about their billing, claims process and features.

Within 30 minutes she emailed me 3 tailored quote options to review that same day.

Purchasing My Policy

I took a day to review The General’s quotes against a couple competitors. Their rates blew others out of the water, and they had way more discounts available as a high risk driver. I moved forward with purchasing a policy and was up and running that week.

• Selected plan: Went with a basic liability policy for $167/month.
• Completed application: Applied online providing all my vehicle/driving details.
• Chose payment plan: Set up 6 month premium payments since I got a discount versus monthly plans.
• Received insurance cards: Downloaded printable proof of insurance cards instantly.
• Activated roadside assistance: Added their roadside coverage for just $11 extra per month for peace of mind.

The General made getting insured easy and affordable based on my situation. Their Lafayette team was super friendly and helpful throughout the process.

My Experience Using The General’s Lafayette Office

Overall, I’ve been very satisfied partnering with The General’s local Lafayette insurance agents to get coverage. Here are some highlights:

• Local expertise: Their LA agents know the state insurance laws and requirements inside and out.
• Friendly service: They take time to explain options and answer all your questions thoroughly.
• Flexible payments: I could pay monthly, biannually or annually to suit my budget.
• Easy claims: I filed a windshield repair claim seamlessly through their mobile app.
• Policy discounts: I saved money by taking defensive driving courses and paying in full.

Their Lafayette staff makes managing my policy easy. I can drop by in person or call/email my rep directly anytime.

Is The General Right for You?

If you feel frustrated finding affordable car insurance in Louisiana due to issues like:

• Traffic violations
• Limited credit history
• Prior accidents
• High performance vehicles
• Lapses in past insurance coverage

I highly recommend contacting The General’s helpful and experienced Lafayette, LA agents to get a quote tailored specifically to your situation.

Their local office makes it easy to get the right policy at the right price. At the end of the day, you want an insurance provider in your corner that offers great service and coverage at reasonable rates. For Lafayette, LA residents, The General fits the bill.