Orlando Harmon
The General® Car Insurance has been in the business of providing auto insurance for nearly 60 years. It offers a range of coverage options, including liability, collision, comprehensive, and full coverage. The company provides flexible payment options and prides itself on being accessible to everyone, even those with less-than-perfect credit and driving records. The General® is rated 4.7 out of 5 based on over 96,000 reviews and is known for its affordable rates, great service, and quick and easy claims process. The company also has a mobile app that allows customers to manage their car insurance anytime, anywhere.
| Characteristics | Values |
|---|---|
| Company Name | The General Automobile Insurance Services Inc. |
| Type of Company | Insurance agency |
| Type of Insurance | Auto Insurance |
| Coverage | Liability, Collision, Comprehensive, Full Coverage |
| Number of Drivers Insured | Over 1 million |
| Customer Service | First-class, 24/7 claim reporting |
| Payment Options | Flexible, including credit card, debit card, and cash |
| App | Available for policy management |
| Number of States Covered | 46 states and Washington, D.C. |
| Customer Reviews | 4.7 out of 5 based on 96,311+ reviews |
| Years in Business | Nearly 60 years |
What You'll Learn
The General's app and online services
The General Automobile Insurance Services Inc. has a mobile app that allows customers to manage their policies anywhere, at any time. The app is available on the App Store and Google Play. With the app, customers can obtain a quote for a new auto insurance policy, make a payment, schedule a payment, split a payment across different payment methods, pay in cash, and access their ID cards. They can also start and submit a new claim, or follow the status of an existing one. The app also has a Help Center with answers to frequently asked questions. Customers can also contact The General's Sales or Customer Service teams through the app. The app has a 4.7 rating on the App Store based on 165.5k ratings.
The General also has a website where customers can get a quote for car insurance, as well as call or chat with a representative to find the right coverage for them. The website also has a "Frequently Asked Questions" section.
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The General's coverage options
The General offers a variety of car insurance coverage options, including liability, collision, comprehensive, and full coverage.
Liability coverage protects you from property damage or personal injury claims arising from the ownership, maintenance, or use of an automobile. It does not pay for your medical expenses, lost wages, or car repairs. Every driver must buy the minimum amount of liability coverage required by their state.
Collision insurance covers losses incurred when your automobile collides with another car or object. Most banks and finance companies require you to maintain collision insurance on your car if it is financed.
Comprehensive coverage pays for damage caused by anything other than a collision, including theft, vandalism, hail, or a tree falling on the car.
Full coverage includes comprehensive and collision insurance, as well as uninsured or underinsured motorist insurance. While most states don't require you to buy uninsured or underinsured motorist coverage, it is a good idea given the number of uninsured or underinsured drivers on the roads.
The General also offers gap insurance in some states, which covers the difference between what you owe on your auto loan and what you receive from your insurance company if your new car is severely damaged or totaled.
The General caters to drivers with poor driving records and less-than-perfect credit. It offers low down payments and flexible payment options, including the ability to pay via credit card, debit card, or cash, and choose your payment date.
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The General's customer service
The General is a car insurance company that has been in business since 1963. It provides auto insurance coverage even for high-risk drivers that other insurance companies won't insure. The General offers a full range of coverage options, including liability, collision, comprehensive, and full coverage. They also offer flexible payment options and allow customers to pay via credit card, debit card, or cash.
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The General's payment options
The General Automobile Insurance Services Inc. offers its customers a variety of payment options. The General customers can pay their premiums in monthly instalments or as a one-off lump sum. Paying in full upfront may result in discounts in some states.
The General accepts payment by credit card and electronic check. Customers can also set up automatic payments using these methods in most states.
There are several ways to make payments to The General:
- Online via The General's payment portal
- By telephone on 1 (844) 328 0306
- By post, by mailing a check to The General Insurance / PO Box 305076 / Nashville TN 37230-5076
- Via The General's mobile app, which offers multiple, split, and scheduled payment options, as well as a new way to pay by cash, using PayNearMe.
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The General's reputation
The General Insurance has been providing auto insurance coverage since 1963 and is owned by PGC Holdings, a subsidiary of American Family Insurance. The company offers insurance in 46 or 47 states (excluding Hawaii, Michigan, and New Jersey). It is a good option for high-risk drivers, including those with poor credit, a lapse in coverage, or a poor driving record. The General also offers SR-22 filing and caters to drivers who need an SR-22.
The General has received mostly positive reviews from its customers, with an average rating of 4.7 out of 5 based on over 96,000 reviews. Many customers praise the company for its affordable rates, easy and fast claims process, and helpful customer service. However, it has also received some negative reviews, with some customers complaining about issues with billing, claim handling, and customer service.
In terms of industry ratings, The General earned an overall score of 7.9 out of 10 from MarketWatch, which is based on its scores in coverage, cost, availability, reputation, and customer experience. It has also received an A+ rating from the Better Business Bureau (BBB) but has a 3.7-star rating from customers on the platform. The National Association of Insurance Commissioners (NAIC) data shows that The General has a higher-than-average number of customer complaints.
Overall, The General has a solid reputation for providing auto insurance coverage, especially for high-risk drivers. However, there are some mixed reviews regarding its customer service and claims handling, with some customers reporting delays and communication issues.
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Frequently asked questions
Yes, The General is a good car insurance company. It has been in business since 1963 and has a strong track record of being there for its customers. The company provides auto insurance coverage even for high-risk drivers that other insurance companies won't insure.
Getting a car insurance quote from The General is a straightforward process. You can obtain a quote at any time via their website without having to speak to a representative. The process is commitment-free and takes approximately two minutes. You will need to provide your ZIP Code and some additional information, such as insurance exclusions, credit history, and liability details.
The General offers a full range of coverage options, including liability, collision, comprehensive, and full coverage. Liability insurance is mandatory for all drivers and covers damage caused by the at-fault driver to people and vehicles. Collision and comprehensive insurance cover damage to your vehicle, while full coverage includes uninsured or underinsured motorist insurance, providing additional protection in the event of an accident with a driver who has insufficient coverage.
