Orlando Harmon
The General® auto insurance is available in 46 states and Washington, D.C. The cost of insurance depends on the state you live in, with those in cities generally paying more in premiums than those in rural areas. The General also offers insurance in Canada.
| Characteristics | Values |
|---|---|
| Number of States Covered | 46 states and Washington, D.C. |
| Area Covered | Cities and rural areas |
| Types of Insurance | Liability, collision, comprehensive, full coverage, uninsured or underinsured motorist coverage |
| Discounts | Good student, defensive driver, multiple vehicles, safety features, homeownership, double deductible, safe driver, previous insurance, pay-in-full |
| Add-ons | Towing and labour benefits, roadside assistance plan, custom equipment coverage, rental reimbursement for covered repairs |
| Customer Service | Below-average |
| App | Available on Apple and Android devices |
What You'll Learn
The General's insurance coverage
The General Insurance is a good option for high-risk drivers, including those with a DUI offence on their record. The company provides auto insurance in 46 states (MarketWatch) or 47 states, excluding Hawaii and New Jersey, and in Washington, D.C. (although one source states that The General is available in 49 states and D.C.).
The General offers a full range of coverage options, including liability, collision, comprehensive, and full coverage. The company also provides rideshare insurance in California and Arizona, gap insurance in California and Washington, and accidental death coverage in Tennessee, Colorado, Pennsylvania, South Dakota, and Arizona.
The General can also provide an SR-22 insurance form, which proves that a driver has sufficient car insurance. This is required in some states for drivers who have been convicted of a DUI or another serious traffic offence, or who have had their license suspended or revoked.
The General offers various discounts to its customers, including:
- Good student discount
- Defensive driver discount
- Multi-vehicle discount
- Safety features discount
- Homeowner discount
- Double deductible discount
- Safe driver discount
- Previous insurance discount
- Pay-in-full discount
The General has received mixed reviews from its customers. While some praise the company for its easy quotes process and great service, others have complained about costly premiums and poor communication between policyholders and company employees.
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The General's insurance discounts
The General Automobile Insurance Services, also known as The General, is an auto insurance company that provides coverage for drivers with poor driving records or less-than-perfect credit. The company advertises low rates, low down payments, and flexible payment options. The General has been in business for nearly 60 years and has over 1 million drivers insured.
The General offers a variety of discounts to its customers. Firstly, there is the multiple vehicle car insurance discount, where insuring multiple vehicles on a single policy can lead to savings. Secondly, The General offers a discount for safety features on your car. Thirdly, if you have had auto insurance in the last five years, The General provides a recent auto insurance discount. Additionally, The General offers a double deductible discount, which lowers your insurance cost for the first 45 days of coverage by doubling your deductible, after which it returns to the normal level.
It is important to note that The General's discounts may vary by state, and not all discounts are available in all locations. Therefore, it is advisable to verify the specific discounts and offerings available in your state before purchasing a policy.
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The General's insurance complaints
The General Insurance has received a number of complaints from customers, with the National Association of Insurance Commissioners (NAIC) reporting around eight times more customer complaints than the average for car insurance providers in 2023. The company has a 3.7-star rating out of 5 on the Better Business Bureau (BBB) from over 500 customers.
Complaints include reports of poor customer service, with customers complaining of rude and disrespectful behaviour from employees, and poor communication between policyholders and company employees. Some customers also report issues with the claims process, including slow claims handling and denials. There are also complaints of unexpected price changes and unexpected charges, such as cancellation fees.
However, The General has also received positive reviews, with an average rating of 4.1/5 from WalletHub users. Reviews mention the company's relatively affordable prices, easy-to-use website, and good customer service. The company is also praised for its flexibility, with one reviewer stating that The General helped when no one else would!
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The General's insurance app
The Generals Insurance App is a mobile app that helps users manage their insurance policies anywhere and at any time. The app has a range of convenient features, including:
- Quick quotes for new auto insurance policies.
- Multiple payment options, including cash, multiple payment methods, and scheduled payments.
- Easy access to digital insurance ID cards.
- Ability to start and submit new claims and track the status of existing claims.
- Help Centre with frequently asked questions and options to call, chat, or schedule a callback.
- Secure login options, including biometrics (fingerprint or face ID), email, policy number, or social media accounts.
The app has received generally positive reviews, with ratings of 4.7 on the App Store and 4.8 on Google Play. However, some users have reported issues with the app, such as problems with logging in and issues with PDF files not opening.
The Generals Insurance App is a convenient way for customers to manage their insurance policies and claims on the go, with helpful features like multiple payment options and easy access to digital ID cards.
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The General's insurance customer service
The General Insurance has been in the insurance business for 60 years, providing auto insurance coverage for high-risk drivers that other insurance companies won't insure. The company offers flexible payment options, low down payments, and quick claims processing.
Customer Service Hours
The General Insurance's customer service phone lines are open Monday to Thursday from 7 am to 9 pm CT, Friday from 7 am to 8 pm CT, and Saturday from 8 am to 4 pm CT. You can reach them by calling 1-844-328-0306 or 1-844-327-9870.
Customer Service Email
You can also reach The General Insurance's customer service team by email at [email protected].
Customer Service Address
The General Insurance also has a physical location at the following address:
2636 Elm Hill Pike, Suite 510, Nashville, Tennessee 37214
Customer Service via App
The General Insurance also offers an app where you can receive quotes, make payments, or file claims. The app is highly rated, with 4.7 stars on the App Store and 4.8 stars on Google Play.
Customer Service Reviews
The General Insurance has received mixed reviews for its customer service. On the Better Business Bureau (BBB), the company holds a 3.7-star rating out of 5 from over 500 customers. However, data from the National Association of Insurance Commissioners (NAIC) shows that there were about eight times more customer complaints against The General than the average for car insurance providers in 2023.
Customer Service via Website
You can also reach The General Insurance's customer service team through their website by completing a form, and they will respond as soon as possible.
Customer Service via Mail
If you need to send documentation for your claim, you can do so by mail. Be sure to include your claim number on all correspondence and send it to the following address:
6000 American Parkway Madison, WI 53783-0001
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Frequently asked questions
The General auto insurance is available in 46 states and Washington, D.C.
Many factors affect auto insurance rates, including where you live, your credit score, your vehicle mileage, and the type of vehicle you own.
The General offers a full range of coverage options, including liability, collision, comprehensive, and full coverage.
Comprehensive coverage pays for damage caused by anything other than a collision, including theft, vandalism, hail, or a fallen tree.
You can file a claim with The General by logging into your account on their website or app, or by calling their claims line at 1-800-280-1466.
