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The General Car Insurance Review

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As a licensed insurance agency and subsidiary of PGC Holdings Corp., The General Automobile Insurance Services has been underwriting auto insurance in select states for the past 50 years. The company is accredited by the Better Business Bureau and holds an excellent A+ rating with the organization.
 
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How is The General Insurance rated?

Breakdown

4.2/5
Coverage
4.5/5
Financial Strength
0.0/5
Supplemental Coverage
4.5/5
Pricing & Discounts
4.6/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 4.3 / 5 (Excellent)

The General specializes in providing auto insurance to people with a history of driving violations or accidents, who have not been continuously insured or have less than perfect credit.

They offer low down payment options, carry out electronic verifications of driver and vehicle information, and accept credit card payments to make the process of obtaining auto insurance as fast and convenient as possible.

The General issues policies that are backed by the company's excellent financial strength, as evidenced by A ratings from A.M. Best. According to client feedback across a number of online review platforms, their customer service is excellent.

The General Insurance Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost

Coverage - 4.2 / 5

The General's standard private passenger automobile insurance policies provide up to four types of coverages, including liability, medical payments, uninsured motorist (underinsured motorist), and vehicle damage (comprehensive and collision).

Additional policies may include rental reimbursement, roadside assistance, and personal or upgraded item coverage.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.64
NAIC Total Complaints 2020
38

Customer Ratings

Trust Pilot Rating
9.3 out of 10
BBB Rating
A+
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
9
Date Collected
2017-10-17
*The NAIC Car Insurance complaint ratio (in this case 0.64) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4.6 / 5

The General is accredited by the Better Business Bureau and holds an A+ rating with a composite score of 3.92 out of 5 stars based on 11, mostly negative, customer reviews.

Conversely, the company has received a 9.3 (Excellent) TrustPilot score, based on 80% positive customer feedback. It must be added that the company was below the median complaint ratio for private passenger auto insurance in 2016 and was deemed to be better than most in terms of overall customer satisfaction.

Financial Strength

Key Details

Underwriter
American Family Insurance
Premiums Written 2020
$4,005,549,271
Marketshare
1.87%
AM Best Financial Rating
A

Financial Strength - 4.5 / 5

The General's ultimate parent company, American Family Insurance, has an A.M. Best financial strength rating of "A" and a long-term issuer credit rating of "a", with a positive outlook. American Family Insurance Group currently holds 1.87% of total sales for private passenger automobile insurance and has issued over 4 million policies to date.
*The above information reflects the financial strength of the underwriter of the The General Insurance car insurance policies: American Family Insurance.

Pricing & Discounts

Per Mile Pricing Available?

Additional Discounts

  • Full/Automatic Payment

Pricing & Discounts - 4.5 / 5

Though the General's car insurance premiums vary according to the customer's vehicle and state of residence, they guarantee that their down payments are the lowest in the industry.

Since the company insures motorists with less-than-perfect driving records, discounts for safe drivers appear to be unavailable.

Nevertheless, The General does offer savings opportunities for those who pay their premiums in full. They also offer a discount of 10% to those who have undergone a defensive driving course.

Contact & Additional Information

Homepage URL
https://www.thegeneral.com
Company Phone
(800) 436-3725
Headquarters Address
2636 Elm Hill Pike, Suite 510, Nashville, TN, 37214
Year Founded
1963

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Customer Comments & Reviews

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sheaclan1
5/29/2024
Worst Insurance company EVER. They mistakenly withdrew payment twice. 7 phone calls and 2 1/2 weeks for them to give back the money they stole. Every call was an answer of, "Nothing we can do. We know it was our mistake but will take a few more days to send the money back." They are thieves and liars. Even if you spend a little more, worth it. This company is a joke.

S
súe
7/14/2020
This Business defrauds Consumers out of their money. If you are looking to purchase a vehicle añd cancel the sale.This Insurancé Agency will not refund your money as they're theives. NAIC needs to file charges and penalties against this type of business practice. I have been owed $221.00 for over 2 years The General refused to refund my assets as if this money is keepiñg their lights on .

Karina W
1/24/2019
They haven't been great at customer service... We are still waiting on the answer about our totaled car, they haven't told us much information... I only found out (from the car rental place) that the insurance extended my rental car, that evening I was about to take it back

huyho.henry
10/22/2018
I have been with The General for a year and a half now, paying all the premium religiously. I recently hit a curb when turning into a parking lot, damaging a transfer case. They refused to covered, saying that it is a mechanical issue, and not caused by the impact. This company is a fraud. Stay away from them, go somewhere else. They will find ways to deny your claim.

S
Shawn T
4/26/2018
This company is a joke. I would not give them half a star let alone one full star but in order to review I had to. To make a long story short, Get out before you ever file a claim with them and if you do have to file a claim plan on having to get an attorney to resolve the issue Run as fast as you can AWAY from this insurance company. they should be out of business.

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