Rating: 8.9 / 10 (Excellent)
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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.

How is The General Insurance rated?

Breakdown

8/10
Coverage & Benefits
9/10
Pricing and Discounts
9/10
Financial Strength
9/10
Customer Experience

Overall Rating: 8.9 / 10 (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 & Benefits - 8.4 / 10

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 2016
0.64
NAIC Total Complaints 2016
38
*The NAIC Car Insurance complaint ratio (in this case 0.64) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

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

Customer Experience - 9.2 / 10

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 2016
$4,005,549,271
Marketshare 2016
1.87%
AM Best Financial Rating
A

Financial Strength - 9 / 10

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 and Discounts - 9 / 10

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.

Contact & Additional Information

Homepage URL
Company Phone
(800) 436-3725
Headquarters Address
2636 Elm Hill Pike, Suite 510, Nashville, TN, 37214
Year Founded
1963

Top Rated
10 / 10
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Latest The General Insurance Reviews

S
Shawn T
Seattle, Washington

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.