Best Car Insurance Companies

The General Auto Insurance Reviews And Ratings

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the general
The General Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 68%
Who Plan to Renew 82%
AM Best Financial Strength Ratings A

About The General

Customer service: 866-519-7422
Claims: 800-280-1466
Corporate Headquarters 2636 Elm Hill Pike, Suite 510
Nashville, Tennessee 37214

Best Auto Insurance Companies 2021: How The General Compares

The General received an InsureScore of three out of five stars in our annual Best Car Insurance Companies review. Their highest-scoring categories were website & apps and customer service, while their lowest were claims and price.  

When we asked The General customers if they planned to renew their policies, 82% said yes and 68% said they’d recommend The General to a friend.

Gauging an insurance company

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of The General’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

You’ve probably seen the commercials…

In 1963, The General began selling insurance as Permanent General Agency, and in 1997, became known simply as The General. Compared to other insurers, that’s a relatively short history, but in that brief time, The General has earned a financial stability rating of “excellent” from A.M. Best and has successfully branded itself with fun – if not a bit goofy – television commercials and a memorable jingle.


Consider the General for a less-than-stellar driving record

The General is able to write policies for most drivers, including new drivers,  those with accidents, driving violations, gaps in coverage or lower credit scores, which makes it is a great option for those looking to reestablish insurance.

The insurer allows you to buy a policy if you have a suspended or revoked driver’s license, as long as you have been licensed at some point and have a driver’s license number to put on your application. The company is authorized to file an SR-22, a form for high-risk drivers submitted to your state’s DMV or traffic authority that shows you carry your state’s minimum liability requirements, in any state where you are applying for insurance.

The General tries to offer a low down-payment option for every policyholder and offers immediate proof of insurance once you have made your down payment and electronically signed your application.

The General Car Insurance Coverages

  • Personal auto/Commercial auto
  • Motorcycle
  • RV
  • Boat/Personal Water Craft
  • The General Car Insurance Additional Policies

  • Renters
  • Homeowners
  • Life
  • Health
  • How likely customers would recommend this company?

    33% I would definitely recommend this company
    35% I would probably recommend this company
    23% Neutral
    7% I would probably not recommend this company
    2% I would not recommend this company

    Reasons for Buying

    Customers of The General originally decided to purchase from the company for these reasons:
    • 35% Offered best price
    • 20% Saw TV commercial
    • 13% Reputation
    • 10% Recommended by friend or family member
    • 10% Saw online ad
    • 4% Financial strength rating
    • 3% I had other insurance with this company
    • 3% The company website and mobile apps are easy to use and helpful
    • 2% Was the company my parents had

    Would you renew?

    • 82% Yes
    • 18% No

    Ratings on Website & Apps

    • Completely satisfied / Outstanding website & apps that give me what I need and more 27%
    • Fairly satisfied / Fulfills my needs OK 32%
    • Average website and apps 15%
    • Very unsatisfied / digital offering is severely lacking 9%
    • Unsatisfied / website and/or apps are not fulfilling my needs 13%

    How do you prefer to deal with insurer and policy?

    • In person 26%
    • Phone 25%
    • Email 16%
    • Interactive website 22%
    • Mobile App 11%

    Customer Complaint Ratio

    info

    The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

    Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

    The General’s customer complaint ratio for Private Passenger Auto insurance is 0.51
    Coverage Options
    Offers 12-month policies Icon
    Offers 12-month policies
    Your policy term can be one year before the next renewal.
    Mobile app Icon
    Mobile app
    The insurer offers an app for smartphones.
    Discounts
    Multi-vehicle Icon
    Multi-vehicle
    Discount for two or more vehicles on the same car insurance policy.
    Driver training/Defensive driving Icon
    Driver training/Defensive driving
    Discount for an approved defensive driving or driver improvement class.
    Academic achievement Icon
    Academic achievement
    Discount for full-time students who meet certain academic criteria.
    Passive -restraint (air bag) Icon
    Passive -restraint (air bag)
    Discount for factory-installed safety devices such as an air bag.
    Safe driver/clean driving record/good driver Icon
    Safe driver/clean driving record/good driver
    Discount for no accidents or traffic violations, usually for three or five years.

    In which states is The General available?

    Customer Reviews

    Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

    Customer Reviews

    134 Reviews. 3 Stars out of 5
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