Permanent General Insurance (PGAC) review
When you find yourself in a situation where you cannot purchase traditional vehicle insurance, you will have to turn to a company that provides non-standard coverage. Permanent General Insurance Companies has been providing coverage to the non-standard driver for years. The company ( PGAC ) is headquartered in Nashville, Tennessee. It is also licensed to do business in 24 additional states including Nevada, Alabama, South Carolina, Mississippi, Wisconsin, Oregon, Florida and Washington. Non-standard insurance coverage does not mean substandard. It is coverage for drivers who are unable to meet the narrowly defined acceptance boundaries imposed by most standard insurance companies.
There are several reasons you may need to purchase non-standard coverage from Insurance Companies. If you have always had standard coverage, but you let it lapse, you may have to get non-standard coverage. If coverage was lapsed for more than 30 days, many standard insurance companies will be leery of insuring you. In that case, you can turn to a non-standard company such as PGAC to be sure you are legal on the roads. If you are convicted of a DUI, you will have to seek out non-standard coverage. Picking up too many moving violations may have caused your insurance company to drop your coverage at the renewal date. These are just several of the many reasons you could find yourself purchasing non-standard coverage.
One of the benefits is that it also provides standard insurance to drivers that do not have obstacles to overcome. This means that once you no longer have to carry non-standard coverage, Permanent General Insurance can simply move you to a standard policy, which will typically have a lower premium attached to it.
P.G.A.C. prides itself on its low down payments. In addition, it allows you to pay your insurance in monthly installment payments if your budget is too tight to pay an entire term at once. Once you purchase the coverage, you can make your payments online at the PGAC website, or by credit card automatic debit.
In some cases, there are steps you can take to qualify for standard coverage after having a non-standard policy. Keeping your insurance current is important. Lapses in coverage will prevent you from getting the standard rates. In most cases, traffic citations stay on your record for three years. Concentrate on not getting any more tickets. Obey traffic laws, stay below the speed limits and keep your vehicles legally registered. Don’t drink and drive. Complete driver safety courses. There are courses available for senior drivers, young drivers and others. Be sure to send the certificate copy to the insurance company so it sees you have completed the course.