The General Car Insurance review 2020

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Headquartered in Nashville, TN, The General Automobile Insurance Service, Inc. – “The General” for short – is a subsidiary of PGC Holdings Corporation which is an affiliate of American Family Insurance. And although PGC was founded in 1963 and has offered auto insurance for over 50 years, they didn’t actually start offering insurance through The General until April 1997. And although The General’s brick and mortar stores can only be found in Louisiana – The General services customers all over the United States.

We recommend The General for drivers in the high-risk category. That includes drivers with a history of accidents, a poor credit score, teen drivers and senior drivers. Auto insurance from The General is much cheaper than its competitors, so high-risk drivers can get affordable insurance despite their circumstances.

The General car insurance

The General offers good auto insurance coverage and a variety of discounts to help drivers save money on their premium.

Types of coverage

  • Comprehensive coverage
  • Liability coverage
  • Collision coverage
  • Uninsured motorists coverage
  • Medical payments coverage
  • Motorcycle insurance
  • Personal injury protection
  • 24/7 roadside assistance
  • Towing coverage
  • Rental car reimbursement
  • Transportation expense reimbursement
  • Custom equipment

Discounts

  • Paid in full
  • Double deductible
  • Good student discount
  • Driver training discount
  • Transfer discount
  • Military discount (only in Louisiana)
  • Continuous coverage
  • Motor club member
  • Good credit
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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 FarmAllstate, Geico, Progressive, and Nationwide did make the list. On the Consumer Affairs website, The General has received 3.9 stars based on 827 ratings, which is a very good 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 252 BBB reviews, it averages 4.1 out of 5 stars. Regarding customer complaints to the BBB, 212 complaints have been closed in the last 3 years; 74 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 in order to be reinstated. (An SR-22 is just a form from your insurance company that indicates you have the required amount of liability coverage required by your state.) 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.

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.

Frequently asked questions

Is The General insurance good?

Overall, The General insurance is a good option for auto insurance, especially if you’re a high-risk driver. The company offers some of the most affordable premiums on the market, which is ideal if you’re on a budget. However, The General doesn’t offer as many coverage options or discounts as its competitors. If you’re looking for more robust and customizable coverage, we recommend looking into a different provider.

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 per day/7 days per week), 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.