Ratings

Auto
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Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
73%
% Who Plan to Renew
84%
AM Best Financial Strength Ratings info-icon info-icon October 31, 2019
A

Reasons for Buying

Customers of The General originally decided to purchase from the company for these reasons:
32%
Offered best price
19%
Recommended by friend or family member
19%
Saw TV commercial
14%
Saw online ad
6%
Reputation
4%
Financial Strength rating
4%
The company website and mobile apps are easy to use and helpful
2%
Was the company my parents had
0%
I had other insurance with this company

How likely to recommend?

I would definitely recommend this company
I probably would recommend this company
Neutral
I probably would not recommend this company
I would not recommend this company

Would you renew?

84% Yes
16% No

Ratings on Website & Apps

Satisfied - Fulfills my needs okay.
36%
Completely satisfied - Gives me what I want and more.
35%
Neutral - No good or bad feelings on this.
21%
Never visited or used website or mobile app.
4%
Very unsatisfied - Their digital offerings are not good at all or nonexistent.
3%
Not Satisfied - Is not a good website or app.
1%

How do you prefer to deal with insurer and policy?

Phone
36%
Interactive website
26%
Mobile App
17%
In person
16%
Email
5%
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About The General

Types of auto coverage

  • Personal auto/Commercial auto
  • Motorcycle
  • RV
  • Boat/Personal Water Craft

Additional policies offered

  • Renters
  • Homeowners
  • Life
  • Health

Best Auto Insurance Companies 2020: How The General Auto Insurance Measures Up

The General placed nineteenth overall in the 2020 auto consumer survey with a score of 81.25.The General’s best showing was sixth place for price (81). It placed twentieth for claims service (82.4) and also last for customer service (80.8). The General came in nineteenth for usefulness of its website and apps, with a score of 80.63. Despite its rankings in individual categories, many people, 84%, said they planned to renew their coverage with the company, and 73% said they’d recommend it

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. For auto insurance, The General (NAIC# 13703) had a complaint ratio of 1.98 for 2018. 2019 complaint numbers will be available in 2020.

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.

Contact information

Corporate Headquarters

2636 Elm Hill Pike, Suite 510
Nashville, Tennessee 37214

Customer service: 866-519-7422

Claims: 800-280-1466

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.

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