I'm looking for auto insurance, is the General a polite auto insurance? Are they reliable?

I have 21st century and my premium is high, so I looked into the General and they're solely charging me half of what I'm used to, but in overnight case of an accident, do they really back you up. I've hear of some crooked companies, would this be one among them.
Answers:
The general is for people beside bad credit. Dont ask me why, but your credit score affects your rates. Also if you are lower than 25 and single your rates will get jacked. I would check out a few more places to be safe. I reimburse 70 a month for my wife and I full coverage two vehicles.
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