General insurance reviews, coverage and costs (guide for 2022)

* Ratings are determined by our editorial review team. Learn more about our evaluation methodology below.

High-risk drivers usually turn to The General for car insurance, but this is not always the best choice on the market. In General Insurance reviews, motorists complain about the company’s expensive premiums and the often poor communication between policyholders and company employees.

We at Home Media’s review team looked at the best car insurance providers across the country to determine which ones meet the needs of drivers. We now take a closer look at the reviews of Non-life Insurance to find out how the company compares to the leading car coverage options.

Regarding the General Insurance

The General is an insurance agency based in Nashville, Tennessee that has been offering coverage since 1963. It is owned by PGC Holdings, a subsidiary of American Family Insurance. The general is best known for protecting high-risk drivers, who are often turned down by other car insurance providers.

Feedback on non-life insurance is mixed, with the company’s car insurance department holding a complaints index from the National Association of Insurance Commissioners (NAIC), which was more than twice as high as the average market in 2021. On the other hand, Better Business Bureau (BBB) ​​customers give it an average of nearly 4.7 stars out of 5.0.

Although general car insurance is available in most states, drivers may not be eligible for coverage in the District of Columbia and many areas in the states below. In our study, we found that drivers in Miami and New York may not always be able to buy coverage from The General.

General prices and discounts

You will rarely find cheap car insurance through The General, but it is uncommon for a provider to offer cheap coverage to high-risk drivers. While those with DUI and recent fault accidents in their driving history may find relatively reasonable prices from The General, those with clean driving should consider other suppliers.

General insurance reviews show that the following factors almost always affect car insurance premiums:

  • Coverage limits: If you choose full car insurance, expect to pay higher rates than if you chose less protection.
  • Deductible amount: Drivers who choose high deductibles may receive lower rates, although they will have to pay more out of pocket after an accident.
  • Age, sex and marital status: In most states, men who are young or single are likely to receive the highest car insurance premiums.
  • Driving record: Even with The General you will pay higher rates after a fault accident, speeding fine or DUI violation.
  • Credit rating: Anyone with bad credit will probably pay more for car insurance.
  • Make, model and age of the car: Older cars are usually cheaper to cover, although this is not always the case for models that do not have safety features. Vehicles that are common targets for theft usually receive higher bonuses.
  • Location: Drivers could pay more if they live in densely populated cities, states with extensive coverage requirements, or areas with higher rates of vehicle theft or uninsured drivers.

Through the reviews of the General Insurance you will find that high-risk drivers pay quite high prices from the company. Because these drivers come with potential red flags, they usually pay higher premiums to make it easier for car insurance providers to maintain their end results.

While The General’s high rates for risky drivers are normal for the industry, those with clean driving records can usually find better prices elsewhere.

The mobile application of the general, drivers can receive offers for car insurance, make payments or file claims for car insurance. One of the biggest advantages mentioned in the reviews of Non-life Insurance is the company’s online experience, and its application has an average rating of 4.7 stars in both the App Store and Google Play.

General insurance discounts

There is not much information online about the company’s car insurance discounts, but reviews of non-life insurance mention some. It is worth contacting the company to learn more about these potential savings opportunities:

* Discounts may vary depending on location.

The best way to find your best prices is to compare car insurance offers from suppliers. You will then be able to view your potential annual or monthly payments along with the quality of service provided by each company.

Total coverage for car insurance

Most drivers will find the car insurance they want through The General. However, many car insurance companies offer much wider opportunities for those who want extra protection. The following are the main types of car insurance General provides:

Some of those who leave the reviews of the General Insurance speak about the benefits that come from the less common offers, such as these types of optional coverage:

  • Withdrawal and labor benefits
  • Roadside assistance
  • Coverage of custom equipment
  • Reimbursement of rent for covered repairs

While The General offers coverage for personal injury and property damage to safe drivers, the company mainly cares for risky drivers. It may be a good option if you need an SR-22 or have bad driving or a bad credit history.

There is no online information on insurance based on use by The General, so it is probably not the best provider if you are looking for such a program. The insurer does not offer an impressive range of coverage, but few reviews of The General car insurance refer to this as a scam.

General insurance examinations

It is difficult to determine exactly how drivers feel about the General Insurance reviews, as their ratings and comments are everywhere. Positive comments are common for the BBB, as well as for Trustpilot, where the company has a Average score of 4.7 stars out of 5.0.

Data from the NAIC Complaints Index paint a very different picture, with drivers registering 2.43 times more customer complaints against The General than the average for car insurance providers.

You will find a significant number of reviews of General Insurance, which criticize the process of claims of the company. While most drivers receive payouts in the end, some say they have waited too long to receive compensation.

On the plus side, The General and its insurers have earned close to AM Best’s financial strength ratings. Below are the companies that cover claims for The General and their overall levels of financial health.

Ultimately for general insurance

We give General Insurance a total rating of 7.5 stars out of 10.0. Although the company offers excellent coverage for high-risk drivers, most people can find similar car insurance policies at better prices than other suppliers.

It is also quite disturbing to look at the reviews of General Insurance. The agency’s spot customer service does not inspire much confidence in its desire to meet the needs of drivers.

Our team contacted The General for comment on its NAIC complaints index, its high rates for those with a good driving history and the quality of the claims process, but received no response.

Other insurance options from The General

If you want to combine car coverage with other insurance policies, The General offers the following options:

  • Homeowners insurance
  • Tenant insurance
  • Boat, RV and motorcycle insurance
  • Life insurance
    Health insurance
    Pet insurance

Although reviews of non-life insurance and the company’s website do not mention multi-policy discounts, you can contact the company to see if this may be an option for you.

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