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When it comes to researching multiple providers, reviews are a great source of information and play a major role in the decision-making process. We researched what customers say about their experience with the company, and the results are telling. Customers rate The General poorly for claims process and customer satisfaction, but a little better for cost. Curious about the details? Check out our complete breakdown of The General auto insurance reviews.
If your vehicle is damaged in a car crash, auto insurance can help pay for your repairs. The General insurance partners with auto repair shops all over the nation to help you get your car back on the road as fast as possible. Your policy may even cover a rental car until your repairs are done. In most cases, all you have to pay is a small deductible. And if your car is damaged beyond repair, car insurance from The General may help you buy a new vehicle.
Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.
Know when to cut coverage. Don’t strip away coverage just for the sake of a lower price. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.

I paid on time with auto pay for six months straight. It’s so happened that I switched banks and in the resulting delay from my new direct deposit from my job, my first month on the next policy was missed and the policy lapsed. I offered to pay right away and asked if I could just continue my policy from there with auto payments since my bank account had by now been straightened out. They refused and said I needed to start over with a new quote. Since my lapsing payment now was visible when making my new quote it caused the price of my car insurance to drastically increase. I got zero help from them even though I had never paid late before.
If you’re a high-risk driver, it’s likely that you’ll find The General offers the best auto insurance rates. However, if you don’t fall into the high-risk driver customer segment, you’ll likely receive mediocre to high rates from The General. When you factor in the discounts that drivers have to pass up to be insured through The General, it becomes clear that drivers with clean records would likely receive better rates from other insurance companies.
I have been with The General for a year and a half now, paying all the premium religiously. I recently hit a curb when turning into a parking lot, damaging a transfer case. They refused to covered, saying that it is a mechanical issue, and not caused by the impact. This company is a fraud. Stay away from them, go somewhere else. They will find ways to deny your claim.
I’ve gotten to know many local families as an Allstate agent in Dallas. I enjoy being a part of the community, and building local relationships is one of the best parts of my job. I look forward to getting to know you and helping you to find the solutions that meet your needs.I’m committed to helping Dallas residents assess their immediate and long-term needs and choose options that will help them achieve their goals. When you want to explore options for protecting your home, personal property, or financial future, I’m available to answer your questions. If you’re already a customer, I’m ready to review your coverage so that you can make any necessary adjustments to fit your changing needs. Call, email, or visit my agency in Dallas today.
Quotes aside, State Farm is the nation’s largest auto insurer. It ranks consistently well for customer satisfaction and rates above average in most of the regions of the J.D. Power survey. It also earns A.M. Best’s top marks (A++) for financial strength. All that’s to say it is a great choice if you can spare a few extra dollars each month. Plus, it has the best tools of any auto insurance provider out there, including mobile bill pay, mobile claim filing, and a pay-by-bank account option.
Life insurance protects the people that are financially dependent on you. If your parents, spouse, children or other loved ones would face financial hardship if you died, life insurance should be high on your list of required insurance policies. Think about how much you earn each year (and the number of years you plan to remain employed), and purchase a policy to replace that income in the event of your untimely demise. Factor in the cost of burial too, as the unexpected cost is a burden for many families. (For related reading, see: Life Insurance: Putting a Price on Peace of Mind.)
On June 21, 2018 Texas Governor Greg Abbott declared multiple Texas counties disaster areas due to the severe weather and flooding.  As a result of the flooding and the displacement of Texas citizens, Combined Insurance customers residing in the Texas counties noted below may be eligible for a due date extension of their Combined policy renewal premium payments due, as well as any deadlines to submit claim proof of loss.  Please contact Combined’s Customer Care Center at 800-225-4500 with any questions.
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 30% after a DUI, 31% after an at-fault accident, and 16% after a speeding ticket in Oklahoma. The post-citation penalties assessed by car insurance companies after speeding tickets and at-fault accidents in Oklahoma align with nationwide averages, but drivers receive lower-than-average rate hikes after DUI violations. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.
Been with them for a year, online it says you can change your due date once for FREE. Yet every time I try and change it, they want to charge me. Then they tell me I have 15 days grace period which is a damn lie. I pay the night before the so called lapse is going to take place, and yet they still lapse me. EVERY SINGLE MONTH!!! I try to talk to a supervisor but the little employees make up all kinds of excuses not to let you talk to supervisors. This is the most irresponsible and unprofessional insurance agency I have dealt with in my 53 years of driving. Thank goodness, I havent had to have them do a claim for me that would probably never get taken care of. I highly recommend avoiding The General Car Insurance. I will be moving to Geico or Progressive.
The General (an agency) offers auto insurance online from Permanent General Assurance Corporation, Permanent General Assurance Corporation of Ohio, and The General Automobile Insurance Company, Inc. (insurance companies). These insurance companies have been recognized by A.M. Best for their financial stability with ratings of A- (“Excellent”). The General offers auto insurance for drivers that have had a history of driving violations or accidents, have not kept their insurance in force or have less than perfect credit. So, you can still find a good price for your auto insurance needs.
The General offers coverage in 46 states and claims to accept drivers with less-than-perfect credit or driving violations. It offers a variety of no-frills coverage options including basic liability, no-fault, uninsured motorist, and more. While its policy offerings are more limited than some of its competitors, its parent company, American Family, might have something better suited for your needs.
©2018 Compare.com. All rights reserved. Compare.com is a registered trademark. Compare.com Insurance Agency, LLC is a Virginia domiciled licensed insurance agency in 51 US jurisdictions. Licensing information may be found above. Compare.com does business in California as Comparedotcom Insurance Agency, LLC (License: 0I22535). Admiral Group plc. is a majority member of compare.com.
Allstate Insurance works through captive agents, therefore they are not in a position to offer you any other products besides the Allstate product line. This means that if other insurance companies could better serve you, the Allstate agent is not in any position to offer alternate options. The Allstate agent is restricted to the Allstate product line. Insurance brokers may offer an advantage over captive agents in general because they have access to several insurance products and can search not only products with different companies but also cross check prices.
I picked up an old clunker of a four wheel drive truck. I was mostly going to use it for hauling brush and wood between two properties that I owned that are about a half mile apart down the road. I needed some insurance on the truck since I was going to be out on the road with it, but I didn't really want to put it on my overall policy. I saw a tv… read more
Collision coverage is generally sold with a separate deductible. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver’s insurance company and, if they are successful, you'll also be reimbursed for the deductible.
Policy form - The definitions, insuring agreement, exclusions, and conditions are typically combined into a single integrated document called a policy form, coverage form, or coverage part. When multiple coverage forms are packaged into a single policy, the declarations will state as much, and then there may be additional declarations specific to each coverage form. Traditionally, policy forms have been so rigidly standardized that they have no blank spaces to be filled in. Instead, they always expressly refer to terms or amounts stated in the declarations. If the policy needs to be customized beyond what is possible with the declarations, then the underwriter attaches endorsements or riders.
This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too). 

If you carry the minimum required coverage in Oklahoma, prepare to pay an average of $693 annually. This is pricier than the nationwide average by 5%. If you elect more comprehensive coverage, you can purchase a policy with comprehensive and collision coverage, which will protect against damages caused by vehicular collisions, auto theft, or weather incidents. However, better insurance comes at a price: in Oklahoma, a comprehensive policy with a $1,000 deductible costs $1,384, 100% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 126% more than you might for basic liability-only coverage.


I've already got good coverage through Geico but decided since we are on such a limited income and tight budget so decided to just see if we could do better. Waste of time. DOUBLE what we are paying now for identical coverage. What a joke. Considering my wife and I are in our late fifties with extremely good driving records and no other drivers in the home. They quoted me nearly $1000 a year! Are you JOKING?! I've already been paying less than half that for over ten years. So where's the great discounts?

Liability coverage, required by law in most states, covers the other driver’s personal injury and property damage in a crash where you’re found to be at fault. It does not cover your own injuries or property damage. Buying only liability insurance is always going to be your cheapest option, though not necessarily the wisest. (Sometimes it makes sense to carry only liability coverage, and sometimes it doesn’t.)
Start with the bare minimum requirements for your state and add more coverage types from there. Then see how much extra it costs to increase maximum coverage. You can often double your coverage for only a few bucks more a month. For example, if your state requires $15,000 bodily injury liability, bumping that up to $30,000 might only cost an extra $10 a month. A good rule of thumb is that your total coverage amount should be enough to completely replace your car in the event of a total loss.

Liability coverage, required by law in most states, covers the other driver’s personal injury and property damage in a crash where you’re found to be at fault. It does not cover your own injuries or property damage. Buying only liability insurance is always going to be your cheapest option, though not necessarily the wisest. (Sometimes it makes sense to carry only liability coverage, and sometimes it doesn’t.)
While some states consider the use of a credit score to determine your insurance rate discriminatory, it’s still a pretty common practice. This is because insurance companies look at studies like the one from the Federal Trade Commission which have shown that drivers with low credit scores are more likely to file a claim than drivers with high credit scores. These findings are reflected in our own State of Insurance report which demonstrates that drivers with poor credit (524) pay more than twice as much for car insurance than those with excellent credit (823). While there are many circumstances surrounding your credit score, raising your credit score can save you around 17% on your auto insurance.
While the "In Good Hands" and "Mr. Mayhem" insurance company advertises several popular features like accident forgiveness, vanishing deductibles and other various discounts, the savings they bring usually will not make Allstate cheaper than other auto insurers like GEICO and Progressive on an absolute basis. Customer surveys report that Allstate provides slightly better service, but it usually is not that significantly better than competitors like State Farm for the price.

On August 23, 2017, Texas Governor Greg Abbott issued an emergency bulletin (Bulletin B-0009-17) declaring multiple counties as disaster areas due to the effects of Hurricane Harvey.  As a result of the historic flooding caused by Hurricane Harvey, and the extensive displacement of Texas citizens, Combined Insurance customers residing in the Texas counties noted below may be eligible for a due date extension of their Combined policy renewal premium payments due, as well as any deadlines to submit claim proof of loss.  Please contact Combined’s Customer Care Center at 800-225-4500 with any questions.
We're big in Dallas. From Frisco and North Plano to Uptown and Downtown, you'll find there are agents all over the Big D who can relate to how and where you live — whether you're frequenting the museums, performance centers and new green spaces in the Dallas Arts District, taking in the games in Arlington at Rangers Ballpark and in the Corral at AT&T Stadium, or fishing for bass in Lake Fork or down in Lake Whitney.
Customers have also been quick to note that when they needed The General to come through, it either failed to do so or provided an insufficient and unsatisfactory resolution. For repairs, this means you may not get the amount you need — several people report sending over bills from repair shops only to receive compensation that was less than half the actual cost. Refunds for contested fees were also hard to come by, even if there was no history of driving violations or accidents.
The General’s coverage options are, quite frankly, barebones protections. While there are some supplemental options like roadside assistance and rental reimbursement, don’t expect the luxury of accident forgiveness. And when you need to file a claim, you’ll have to do so over the phone — though it offers live chat and online policy management, The General doesn’t allow its customers to file claims without talking to a representative.
Automatic renewal. This might be easy, but it’s not cheap. Insurers offer better deals to new customers than they do to existing ones, so don’t set up automatic renewal for your policy. Check quotes from multiple providers, including your current one. If your insurer quotes you a lower new customer price than you’re currently paying, try asking for a discount.
Jump up ^ Baker v. National Interstate Ins. Co. 180 Cal. App. 4th 1319, 103 Cal. Rptr. 3d 565 (2009). This case explains how the modern clause more clearly excludes both the "products" and "completed operations" hazards as separate things (i.e., each hazard is separately excluded), as opposed to the prior version which was held to apply only when both hazards were present.
The General doesn’t ask for any identifying information when you request a quote online. You’ll just need to answer a few questions about your driving history, vehicle, and basic personal information like age, gender, and marital status. The General claims that it takes less than two minutes to complete the quote process, and we found this to be an accurate estimate.
Dallas motorists should consider investing in higher levels of insurance. This is due to the high number of driving risks in this crowded, urban area. Though the average local rate is comparable to the state average, raising your insurance levels may drive up your personal average costs. However, increasing your policy limits doesn’t have to make coverage unaffordable. Let Cheapest Auto Insurance help you navigate the often-complex insurance market to find affordable prices.

Declarations - identifies who is an insured, the insured's address, the insuring company, what risks or property are covered, the policy limits (amount of insurance), any applicable deductibles, the policy period and premium amount.[21][22] These are usually provided on a form that is filled out by the insurer based on the insured's application and attached on top of or inserted within the first few pages of the policy.


In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for an initial payment, known as the premium, the insurer promises to pay for loss caused by perils covered under the policy language.
The company has its headquarters in Nashville, Tennessee and has been selling auto insurance since 1963 when it was known as Permanent General Agency. The name later changed to Permanent General Assurance Corporation (PGAC). In 2012, The General Automobile Insurance Services, Inc., a subsidiary company of PGC Holdings, was acquired by American Family Insurance.
Automatic renewal. This might be easy, but it’s not cheap. Insurers offer better deals to new customers than they do to existing ones, so don’t set up automatic renewal for your policy. Check quotes from multiple providers, including your current one. If your insurer quotes you a lower new customer price than you’re currently paying, try asking for a discount.
The Governor of Michigan declared a state of emergency due to severe storms and flooding.  As a result of the storms and the potential displacement of Michigan citizens, Combined Insurance customers residing in the Michigan counties noted below may be eligible for a due date extension of their Combined policy renewal premium payments due, as well as any deadlines to submit claim proof of loss.  Please contact Combined’s Customer Care Center at 800-225-4500 with any questions.
Having a good history with your insurance companies can save you money in the long run. However, having gaps in your coverage or having the bare minimum of coverage can cost you. Companies view those with continuous coverage as more financially responsible than those with gaps or long periods of having the bare minimum. Again, we can see why this affects those with lower income harder than those who are able to continuously pay for auto insurance and maintain above minimum coverage.

States served Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
The General Auto Insurance Company writes auto insurance exclusively. Its auto insurance policy is known for accepting high risk drivers and may offer them more affordable rates than they would receive with a standard or preferred auto insurance carrier. The auto policy offers bodily injury liability, property damage liability, comprehensive, collision, medical payments and uninsured motorist coverage (coverage options for uninsured motorist depends on state of residence.) SR-22 insurance is available for drivers who have to file a financial responsibility filing with their state of residence showing proof of insurance coverage.
Keep in mind that online customer reviews don’t always tell the entire story. Most customers will only go online if they have an overwhelmingly negative experience, which is why you won’t see as many positive reviews. Take these customer reviews with a grain of salt, and try to speak with friends and family to learn about their experience with the company.
Those who buy life insurance do so to help ensure their loved ones are taken care of financially. Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase.

A car insurance quote from The General® requires no personal information (your name, phone number, street address, etc.) to provide an accurate car insurance quote. Once you receive your anonymous auto insurance quote, there is absolutely no commitment on your part. You can save your auto insurance quote online at any point during the process and return to it at your leisure.


We identified the auto insurance companies with the cheapest rates, but, as with anything, you want to be sure you are getting high quality service from your insurance company. Reliable car insurance companies are critical in ensuring a smooth customer-insurer relationship. There are a few factors we deemed most important to evaluate a company on which affect policy holders' satisfaction, such as, the average shopping experience, customer service, ability to resolve complaints, and quote filing process.
If your vehicle is damaged in a car crash, auto insurance can help pay for your repairs. The General insurance partners with auto repair shops all over the nation to help you get your car back on the road as fast as possible. Your policy may even cover a rental car until your repairs are done. In most cases, all you have to pay is a small deductible. And if your car is damaged beyond repair, car insurance from The General may help you buy a new vehicle.
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Virginia, while also getting an insider view of the Old Dominion State.
In 1985, Allstate began to move agents out of Sears stores and locate agents in neighborhood offices. In June 1993, 19.8% of Allstate became public through a stock offering. Allstate became completely independent in June 1995, when Sears spun off the remaining 80% stake in the company, distributing 350.5 million shares of Allstate stock to its stockholders.[9]
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