The General Car Insurance Review 2020
- Financial Strength A-
- BBB Rating A+
- Flexibility Policy customization possible
- Support 24/7 roadside assistance, Email, Phone
- User Ratings TrustPilot 4.7 stars
- Pricing $2,824
- Availability 47
About the Company
The General Automobile Insurance Services was established in 1963 in Nashville, TN, and is owned by American Family Insurance. This company specializes in offering car insurance coverage to high-risk drivers who may have poor credit scores and bad driving history.
The General insurance company scored A- on financial stability AM Best rating, which isn’t an ideal score, but it is still a strong ranking that indicates that the company is stable enough to settle claims.
Want to know more about this auto insurance company? This detailed General car insurance review will help you make the final decision.
How We Reviewed
In order to get a better idea of the General insurance rating on the market, we analyzed several General car insurance quotes.
We collected quotes for age groups 25, 35, 45 in the states of NY, NJ, CL, TX, MI, for a Honda Accord 2015 with some conditions presented in this table:
|Car type||Honda accord 2015||Honda accord 2015||Honda accord 2015|
|States||NJ, NY, CL, TX, MI||NJ, NY, CL, TX, MI||NJ, NY, CL, TX, MI|
|Condition 1||Full and minimum coverage rate||Full and minimum coverage rate||Full and minimum coverage rate|
|Condition 2||Pre and post-accident rate||Pre and post-accident rate||Pre and post-accident rate|
|Condition 3||Excellent and poor credit score rate||Excellent and poor credit score rate||Excellent and poor credit score rate|
Where Is It Available
The General auto insurance locations include 47 U.S. states. You can easily find an agent in areas near you to help you with the insurance policy and other concerns.
It is not available in Michigan, Massachusetts, and Hawaii.
Types of Insurance Covered and Missing Coverages
The General Auto Insurance offers coverage for various types of insurance, including the following:
- Property damage liability
- Bodily injury liability
- Medical payments
- Comprehensive coverage
- Collision coverage
- Underinsured and uninsured motorist coverage
Apart from these basic coverage options, The General also offers the following optional coverages:
Double Deductible – this optional coverage doubles the deductible for both comprehensive and collision coverage if you buy it within the initial 45 days of your policy. This coverage option might not be available in all states.
SR-22 Forms – The company offers SR-22 document for drivers. This document is proof that the driver has sufficient car insurance. Many states require drivers to file an SR-22/FR-44 if they were convicted for a serious traffic offense or a DUI.
Roadside Assistance – The company offers a roadside assistance plan that is administered by Nation Safe Driver (NSD). It offers 24-hours service, including towing the car if it breaks down or experiences operational issues.
If you are wondering whether or not the General insurance is cheap, let’s have a look at the General pricing review.
The average national representative rate of The General auto insurance is $2,824, which makes it among the most expensive auto insurance options available. Of course, the total price varies by location and by various factors, including your age, driving record, and more.
The average annual rate for:
- A 25-year-old driver is $2,824
- A 35-year-old driver is $1,668
- A 45-year-old driver is $909
The average General auto insurance payment rate for drivers as per the credit score is as follows:
- For the drivers with good credit, the rate is $1,723
- For drivers with fair credit, the rate is $2,023
- For drivers with poor credit score, the rate is $3,981
Insurance Offers or Extras
Aside from the coverages mentioned above, there are plenty of offers and discounts offered by the company. Here are some perks you can enjoy with General car insurance policies:
- Reimbursement of the rental car costs for up to 20 days. The amount varies depending on the vehicle
- Waiver for deductible for window glass and windshields
- 24/7 roadside assistance
- Coverage for aftermarket parts, custom equipment and other modifications for up to $5,000
- Towing coverage for up to $50 or 15 miles
The company also offers excellent discounts to customers. The General auto insurance discounts are as follows:
- Multi-car discount
- Active Military discount
- Select driver discount
- Defensive driving discount
- Homeowners discount
- Safe care discount, including airbags, anti-lock, etc.
- Deductible doubling discount
- Paid in full payment
- Transfer discount
The General auto insurance discounts might vary, and some might not be available in all states.
Customer Satisfaction and Financial Strength
Overall, The General insurance rating for customer satisfaction is high. The General has an A+ BBB rating and good rankings on TrustPilot, and ConsumerAffairs.
However, even with a high customer satisfaction rating, it has received higher than expected complaints to the state regulators. Most of the complaints are about denied claims, unauthorized payments, and issues with billing.
The General insurance financial strength ratings are strong. Even though it hasn’t been ranked on S&P Global Ratings, it scored an A- on AM Best rating. While the A- may not be the best overall ranking, it still indicates that the insurance company is stable enough to cater to all the claims.
There are many easy ways for existing and potential policyholders to get in touch with The General auto insurance customer service.
The General auto insurance roadside assistance number can be reached 24/7. They also provide an option for the customers to request the company’s representatives to call them. There is also a contact form that you can fill to ask any questions, comments, or other queries. There is also a separate number to report any cases of fraud.
Ease of Buying and Claims Handling
The General quotes process is simple. You can get a quote by calling the helpline and talking to their customer-friendly agents or get a quick quote online.
Their website is easy to use and includes the necessary information for both existing and potential policyholders. You can also manage your policies online, make payments, view your policy documents, make changes in the policies, and get your insurance ID card. However, you can’t file a claim online.
The relatively new mobile app of the company allows you to manage your policies, make changes, pay bills, and get on-demand phone support. The app also allows you to submit a claim.
The General claiming process starts when you file your claim through the mobile app or via phone. The claim line is open around-the-clock, which means you can start a claim as soon as the accident happens. To start the claim, you have to share the details of the accident, the location, date of the accident, driver, as well as the contact and insurance details of all parties involved.
Once the claim has been filed, you will be assigned a claims adjuster. He will gather information, collect pictures of the damage, and get in touch with the parties involved in the accident. The claim adjuster will guide you through the claim process and will be your contact person throughout the process.
The General will cover your insurance claims, and will also settle with the insurance provider of the other drivers involved in the accident if the fault was on their side.
Comparison With Competitors
Here is a comparison between The General car insurance and a few of its competitors:
State Farm Auto Insurance
State Farm is one of the leading car insurance providers in the country and offers plenty of outstanding discounts for its customers. The General is more focused on providing reasonable rates to bad or high-risk drivers.
State Farm offers safe driver discounts, new car protection, and rideshare insurance that isn’t offered with The General insurance. On the other hand, General offers military discounts and affordable rates to drivers with past claims.
If your driving record includes a DUI, reckless driving ticket, or an at-fault accident, The General car insurance is a good option for you. If you are looking for more discounts and personalized policy, State Farm is probably a better choice.
Progressive Auto Insurance
Both companies are known for their customer service, however, their services are best suited for different customer categories.
Progressive is one of the leading car insurance providers that offer customized packages.
Progressive provides the customers with what they actually need to make the insurance more affordable. It offers rideshare coverage, new car protection, safe driver discount, and usage-based discount.
In comparison of The General vs Progressive, The General makes the insurance more affordable for high-risk drivers. If your driving record includes a DUI, reckless driving violation, ticket, or an at-fault accident, then The General car insurance is a great choice.
GEICO Auto Insurance
GEICO is known as the most affordable car insurance provider in the country. GEICO offers excellent discounts for its customers. This company is also one of the most tech-savvy insurance providers in the market.
GEICO offers new car protection, rideshare coverage, safe driver discount, special employment discount, and the option to file a claim online. On the other hand, The General offers homeowner discounts and fantastic rates for drivers with a previous claim or SR-22. Both companies provide affordable rates to high-risk drivers.
Pros & Cons
- Offers reasonable rates for bad drivers
- Provides SR-22 form
- Low-cost insurance
- More complaints than expected
- Few policy options and discounts
- Claims handled by phone only
General car insurance is best for high-risk drivers whose driving record or credit score prevents them from getting reasonable rates or even attaining coverage from other car insurance companies. This insurance provider is also best for those who need proof of insurance quickly.
It is easy to get a quote, attain SR-22, and purchase car insurance through an agent. The General free app allows you to manage your policy, file and track a claim.
General is the best auto insurance for bad driving history, but it is not right for you if you are a driver with low-risk and are looking for customized policies.
Can insurance payments be made online?
You can make online payments through a credit card. You would have to apply for Autopay via customer service.
Must all drivers of the household be included?
You must include all residents of your household and any other individual who drives your car regularly as a driver, otherwise, they would be excluded from the policy.
What is the process of filing a claim?
You can file a claim through your mobile app or by phone. The General doesn’t provide an option for online claim filing.
How fast can I get a quote?
This depends on the number of vehicles and drivers you want to include. However, it usually takes less than five minutes to determine how much it would cost and the amount of down payment you would have to pay.