MIC General Auto Insurance Review

MIC General Auto Insurance is a company that has been in business since 1925. Its longevity is a very good sign. MIC General Auto Insurancehas a high credit rating from A.M. Best, even though it was recently downgraded to an A-.

Although this grade is less than they have received in the past, their financial standing is still rated “Excellent” by A.M. Best. Take advantage of our FREE quote comparison tool by entering your ZIP.

GMAC

MIC General Auto Insurance is associated with GMAC, an auto insurance company that writes policies for General Motors. General Motors has also experienced some financial difficulties in the recent past.

Due to the recession, General Motors became one of the companies that needed to receive TARP funds from the federal government.

Integron Insurance Group

General Motors is associated with Integron Insurance Group, the insurance entity through which it writes its policies. The Integron Insurance Group sells non-standard insurance policies. These are better known as high-risk policies, and people who would have difficulties qualifying for insurance from other auto insurance companies can obtain insurance from this company.

Personal Auto Insurance

People can purchase auto insurance from MIC General that protects them from liability in case they cause a collision. They will also be able to purchase optional coverage that will take care of their own medical bills and the damages to their own property.

Sometimes, people are hit by others who do not have insurance or they do not have enough insurance that will cover all of the bills. MIC General Auto Insurance clients can prepare for this by purchasing coverage against the injuries they may experience and the damages their vehicles sustain if they are hit by the uninsured, the underinsured or a hit-and-run driver.

Commercial Auto Insurance

MIC General Auto Insurance has several different types of auto insurance coverage. Businesses can purchase auto insurance for their company vehicles. This company is capable of insuring business vehicles if the company just has one or they have a whole fleet. MIC General Auto Insurance can insure:

• Trucks
• Charter Buses
• Vans
• Tour Buses

Mexico and Canada Auto Insurance

Auto insurance that is purchased in the United States does not apply when people travel to Mexico and Canada. Some people travel across the northern and southern borders for business on a frequent basis, and they need to purchase auto insurance coverage for these trips.

MIC General Auto Insurance can write policies for people in the states near the southern border who need auto insurance coverage for Mexico and those who require it for when they cross the Canadian border.

Specialty Auto Insurance

Even though people own vehicles that they do not drive on a regular basis, they will still need to have liability and other optional coverage for them. Some auto insurance companies do not have separate policies to accommodate these vehicles, and people may need to insure them under their personal auto insurance policies.

Insuring a collector’s car, for example, with a regular auto insurance company would mean that the policy holder would be paying too much for the coverage.

If people purchase a specialty policy from MIC General Auto Insurance for their collector’s cars, they will pay much less for their coverage.

Discounts

People will be able to lower their rates with MIC General Auto Insurance with one of the many auto insurance discounts that they can receive. They may qualify for a discount for the following reasons:

• They have other products from General Motors
• They pay their premiums for the year all at once
• They have more than one vehicle to insure
• All their cars were manufactured by General Motors
• They have finished a defensive driving course
• Their vehicles have OnStar
• Vehicles that have OnStar that are driven less than 15,000 miles per year may receive as much as 54 percent off of their rates
• They insure their cars and their RVs under the same policy
• They are employees or former employees of General Motors
• They are employees of companies associated with General Motors

How to Contact the Company

If it is important for people to know exactly where MIC General Auto Insurance conducts its business, they will not be able to determine this by the company’s listed address. This auto insurance company only has a post office box in St. Louis, Missouri. People do have several addresses for GMAC, but all of these are post office boxes as well.

Clients have several toll-free phone numbers to choose from and email addresses. The claims process has its own telephone numbers and a fax number. When MIC General Auto Insurance clients need to file a claim, they can do so online or call their agents.

The Option of Comparing Quotes

MIC General Auto Insurance was recently downgraded and is associated with a company that has had financial difficulties in the past. This doesn’t necessarily mean that MIC General Auto Insurance clients will have problems with their company, but people will want to look into many other auto insurance companies before they purchase from this company.

Comparing the quotes they receive after they enter their zip codes into our comparison feature will give them several options for finding affordable auto insurance coverage. Try our FREE quote comparison tool by simply entering  your ZIP.