Is The General Car Insurance Legit: Overview, Contacts, Services, Claims, Policy, Reviews, Pros & Cons

Is The General Car Insurance Legit: Make informed decisions about your insurance needs.

An image illustration of The General Car Insurance
A closer look at trustworthiness, reliability, and peace of mind in every policy.

If you’re on the hunt for a car insurance company with budget-friendly rates and flexible payment choices, you might have stumbled upon The General.

But is The General car insurance trustworthy?

How does it measure up against other insurance providers?

What are the advantages and disadvantages of opting for The General?

This blog post aims to address these queries and more, providing you with the insights needed to make an informed decision about your car insurance.

Company Overview

The General operates as a licensed insurance agency specializing in auto insurance.

It functions as a subsidiary of PGC Holdings Corp., acquired by American Family Insurance in 2012, yet retains its distinct brand.

Founded in 1963 as Permanent General Agency, it underwent a name change to Permanent General Assurance Corporation (PGAC).

In 2012, all affiliated companies consolidated under the singular brand “The General.

Situated in Nashville, Tennessee, The General maintains physical store operations in Louisiana and internal offices across multiple states, including Arizona, California, Colorado, Florida, Georgia, Ohio, and Texas.

The leadership team, spearheaded by CEO Tony DeSantis since 2007, comprises seasoned professionals dedicated to delivering quality service and customer satisfaction.

Contact Information

For those seeking fundamental details about The General, here’s what you need to know:

  • Phone Number: 1-844-328-0306
  • Address: The General Automobile Insurance Services, Inc. P.O. Box 305076 Nashville, TN 37230-5076
  • Customer Service Contact: 1-866-519-7422
  • Email Address:
  • Fax Number: 1-800-924-0273
  • Operating Hours: Monday – Friday: 6:00 AM – 7:00 PM CST; Saturday: 7:00 AM – 4:00 PM CST; Sunday: Closed

Services & Products

The General focuses on providing car insurance for drivers deemed “high risk” or those with less-than-perfect driving records.

Boasting low rates, flexible payment options, and instant proof of insurance, The General allows customers to customize coverage and deductibles.

Management of policies can be done conveniently online or via a mobile app.

Additionally, The General collaborates with other companies to extend its product and service offerings, including:

Policy Details

The General provides a range of coverage, including liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, rental reimbursement, and roadside assistance.

Minimum coverage limits vary by state, and the company offers SR-22 and non-owner policies for high-risk drivers.

Pros and Cons of Choosing the General for Car Insurance

Just like any other insurance company, The General comes with its advantages and disadvantages. Let’s explore the pros and cons of opting for The General as your car insurance provider:


  1. Inclusive Acceptance: The General is open to drivers with bad credit, a poor driving history, or no prior insurance.
  2. Flexible Payments: The General offers low down payments and monthly payment options, accepting various payment methods like credit cards, debit cards, checks, money orders, or cash.
  3. Convenient Online Services: The General provides online quotes, policy issuance, and allows customers to manage their policies effortlessly through their website or mobile app.
  4. Extensive Support Network: With a wide network of agents and customer service representatives, The General ensures availability through phone, email, or chat.
  5. Strong Financial Rating: The General boasts a robust financial rating of A (Excellent) from A.M. Best, indicating its ability to meet claim payments.


  1. High Complaint Ratio: The General faces a high number of customer complaints, as reported by the National Association of Insurance Commissioners (NAIC).
  2. Low Customer Satisfaction: J.D. Power’s 2020 U.S. Auto Insurance Study ranks The General with a low score of 2 out of 5 stars, falling below the industry average in all regions.
  3. Limited Discounts: The General provides minimal discounts or rewards for safe driving, customer loyalty, or bundling policies.
  4. Lack of Mobile App for Claims: The General does not offer a mobile app for filing claims, requiring customers to call or visit the website.

Filing a Claim with The General

If you need to file a claim with The General, you have two options:

  1. Call 1-800-280-1466: Select option #3 and provide necessary details, including your policy number, accident date and time, accident location, names and contact information of involved parties, and damage and injury specifics.
  2. Visit The General’s Website: Click on “Claims” at the top of the page, log in or create an account, and fill out an online claim form with the same required information.

Policy Options with The General

If you’re considering purchasing a policy from The General, you have three convenient options:

  1. Call 1-844-328-0306: Speak directly with a licensed agent. Provide personal information, vehicle details, driving history, and coverage preferences. The agent will furnish a quote, guide you through the application, and assist with the payment process.
  2. Visit The General’s Website: Click on “Get a Quote” on the top of the page. Enter your zip code and respond to questions about yourself, your vehicle, driving history, and coverage preferences. Receive a quote, customize your policy, and complete the payment online.
  3. Use the Agent Locator Tool: Find a local agent through The General’s website. Enter your zip code and specify the type of insurance you need. Access a list of agents in your area with contact information. Reach out to your chosen agent for a quote and to purchase a policy.

Reviews and Ratings

The General’s reputation is a mix of feedback from customers and experts. To gauge others’ opinions about The General, consult the following sources:

Better Business Bureau (BBB): The General holds an A+ rating from the BBB, reflecting its commitment to resolving customer complaints.

However, with a 1.06 out of 5 stars rating from 163 customer reviews, mostly negative, common complaints include poor customer service, claim delays and denials, and billing issues.

Trustpilot: On Trustpilot, The General scores a 4.5 out of 5 stars rating from 1,890 customer reviews. Positive feedback centers around low rates, a straightforward process, and friendly agents.

Despite the praise, some negative reviews highlight issues with claims and hidden fees.


Q: How do I modify my payment method or date with The General?

A: If you wish to alter your payment method or date with The General, you can choose from two options:

  1. Online Update: Log in to your account on [The General’s website] and navigate to “Manage My Policy”. Here, you can conveniently update your payment information and preferences directly on the website.
  2. Customer Service Call: Dial 1-866-519-7422 and communicate with a customer service representative. During the call, provide your policy number along with the new payment details for the necessary modifications.


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