UPDATED: Sep 5, 2020
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AutoinsuranceEZ.com Rating:For many drivers, The General probably seems like a fairly young auto insurance company. But the truth is that they’ve been offering non-standard insurance to drivers like you since the 1960’s. Specifically, they aim their marketing at younger drivers, who are usually charged much higher rates even for basic insurance, and drivers who have imperfect accident records. Recently, the famous (but now retired) pro-basketball player, Shaq, has teamed up with The General for their advertising campaigns.
PGAC (Permanent General Assurance Corporation) is the large parent company which manages The General and its affiliates. In some areas, the company may also be known as PGC (Permanent General Corporation), or simply Permanent General.
The General Insurance Review
The General’s ratings are a little bit mixed. Their financial strength looks pretty solid – AM Best has given them a high rating of A-, meaning that they should have the finances available to pay out on claims filed. Whether they are willing to do so, however, is a different story entirely. Many customer complaints on independent ratings websites like Consumer Affairs express disapproval with how difficult The General’s claims settlement process can be. Despite all of this, though, they still have an A+ rating with the Better Business Bureau.
|A.M. Best (2016)||A–|
|Consumer Affairs (2016)||1 out of 5 stars|
|Credit Karma (2016)||1 out of 5 stars|
The General Insurance Discounts
Because The General is a non-standard insurance provider, you might find a lack of offerings when it comes to discounts. On the company’s website, they are reluctant to divulge detailed information about specific discounts; on the other hand, this may have something to do with how laws and regulations on insurance policies vary by state:
|Discount||Maximum % Savings|
|Accident Prevention Course||10%|
|Daytime Running Lamp||3%|
|Passive Restraint Discount||5%|
The General Auto Insurance Options
In keeping with the fact that The General offers affordable policies to non-standard drivers, most of the policies they issue will be closer to the minimalist side of the spectrum than the full-coverage side. However, that doesn’t mean you can’t get comprehensive protection from The General if you ask for it. You may even be able to find a policy for a leased vehicle (which generally require higher and more comprehensive coverage options). At the very least, you can look forward to:
- “Liability Only” (state minimum mandatory) Coverage
- SR-22 Insurance
Comparing The General Insurance Quotes
When comparing insurance quotes, analyzing data from different demographics within the same company can help you figure out what to expect from them, cost-wise: