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The General Automobile Insurance Service, Inc, commonly known as “The General,” is a subsidiary of PGC Holdings Corp. – an affiliate of American Family Insurance.  PGC was founded in 1963, and for over 50 years, has been providing auto insurance in many U.S. states. However, PGC started offering insurance through The General in April 1997. The company is headquartered in Nashville, TN, and although it can service customers in almost any part of the country, its 17 physical store locations are in the state of Louisiana, and it has call centers in Ohio, Arizona, and Louisiana.

Regarding auto insurance, The General offers comprehensive coverage, liability coverage and collision coverage, in addition to medical payments coverage and also coverage for property damage caused by uninsured motorists.

Coverage options and discounts

 The General offers a variety of discounts, including the following:

  • 24/7 Roadside Assistance
  • Paid in full
  • Double deductible
  • Good student discount
  • Driver training discount
  • Transfer discount
  • Military discount (only in Louisiana)

The General ratings, reviews, customer satisfaction and complaints

The General has a financial stability rating  of “A,” which is defined as being excellent in its ability to meet ongoing insurance obligations.

The General is not listed in the J.D. Power U.S. Auto Claims Satisfaction Study, which ranks overall customer satisfaction among 22 auto insurers. However, most of the other widely-known companies, like  State Farm,  Allstate, Geico, Progressive, and Nationwide did make the list. On the Consumer Affairs website, The General has received one and a half stars, based on 57 ratings, which is a very poor rating.

Another thing we found in The General insurance reviews is that it is not a BBB-accredited organization; however, it has an A+ rating with the BBB. Out of the 20 BBB reviews, it averages one out of five stars. Regarding customer complaints to the BBB, 204 complaints have been closed in the last 3 years; 70 complaints have been closed in the last 12 months.

Reasons why The General is a great option

For high risk drivers, The General can be a good option. High risk drivers include those under the age of 20 or over the age of 70. They may also be defined as having a suspended or revoked license that requires an SR-22 policy in order to be reinstated. In addition, consumers with DUIs and multiple traffic accidents or violations fall into the high risk group. The General also offers coverage for consumers who may have never been insured before, or have let their insurance lapse.

One big advantage of The General is that its rates are anywhere from a couple of hundred to almost a thousand dollars cheaper than many competitors.

Users can also download The General’s app from the Apple Store or Google Pay. The app makes it easy to make payments. Consumers can make multiple payments, split the payments up if they don’t have all of the money available and also schedule payments for a later date. There’s also an auto-pay option for consumers who want to have their monthly payments automatically withdrawn on a certain date each month.

Another advantage of using The General’s app is being able to view and access a digital insurance policy ID card when you need to provide proof of insurance. In addition, you can take and upload photos and provide details in a snap.

Average rates available from The General   

As with all companies, insurance rates vary by age and several other factors. However, the average middle aged driver can expect to pay approximately $900 a year with The General. The average senior driver can expect to pay $1,316 more than that per year. The average young driver can expect to pay close to $3,000 a year, and if they’ve had an accident, the annual premium is closer to $4,000.

Additional policies offered by The General

 In addition to car insurance, The General also sells term life insurance.

Frequently asked questions

What do I need to get a quote from The General? 

To get a quote from The General, you’ll need to provide your location, vehicle information and driver information for everyone who will be on the policy.

How long does it take to get a quote from The General auto insurance? 

The answer depends on how many drivers and vehicles are included, but it usually takes 2 minutes or less to discover how much your down payment and monthly payments would be at The General.

How do I file a claim with The General? 

The General provides two ways to submit a car insurance claim. Consumers can call the company, which always has representatives available (24 hours a day/7 day), or download The General’s app from the Apple Store or Google Pay.

What are the payment options for The General car insurance? 

Consumers can pay by credit card, and in some states, also by electronic check. There’s also an option to auto-pay. Consumers can pay online or pay via The General app.