Money Analysed

The General Auto Insurance: Is It the Best Choice for You?

Are you looking for reliable and affordable car insurance coverage? If so, you may have heard of The General.

The General is one of the most well-known providers of auto insurance in the United States. In this article, we’ll provide an in-depth review of The General, including its history, mission, coverage options, and policies.

We’ll also discuss the purpose of the article and what you can expect to learn by reading it.

Overview of The General Auto Insurance Company

The General is a subsidiary of Permanent General Agency, a Nashville, Tennessee-based company that has been in business for over 50 years. The General was founded in 1963 and has since grown to become one of the largest providers of car insurance in the United States.

The General offers a variety of coverage options to meet the needs of drivers of all ages and experience levels. The purpose of this article is to provide a comprehensive review of The General and its car insurance policies.

We’ll cover the history and mission of the company, as well as the coverage options and policies that are available to customers. We’ll also discuss any discounts or special offers that may be available to drivers who choose The General as their insurance provider.

History and Mission of The General

The General was founded in 1963 as Permanent General Agency. The company’s mission was to provide affordable and reliable car insurance coverage to drivers who might otherwise have difficulty obtaining it.

The General has continued to expand its offerings over the years, and it now provides a variety of insurance products to customers in multiple states across the country. The General prides itself on offering comprehensive coverage options that allow drivers to customize their policies to meet their specific needs.

The company’s goal is to provide customers with the peace of mind that comes with knowing they are fully protected in the event of an accident or other unforeseen circumstance.

Coverage Options and Policies Offered by The General

The General offers a range of coverage options to meet the needs of different drivers. These include liability protection, comprehensive coverage, collision coverage, uninsured and underinsured motorist insurance, and additional coverage options.

Liability protection covers damage or injuries caused to others as a result of an accident in which the insured driver was at fault. This coverage is required by law in most states.

Comprehensive coverage, on the other hand, covers damage to the insured’s vehicle that occurs as a result of non-collision events such as theft, vandalism, or weather-related damage. Collision coverage pays for damage to the insured’s vehicle that occurs as a result of a collision with another car or object.

Uninsured and underinsured motorist insurance covers the insured’s expenses if they are involved in an accident with a driver who does not have adequate insurance coverage. Additional coverage options may include roadside assistance, rental car reimbursement, and custom parts and equipment coverage.

Discounts and Special Offers

The General offers a variety of discounts to its customers, including safe driver discounts, multi-vehicle discounts, and discounts for completing a defensive driving course. The company also offers special rates for military members and their families, as well as discounts for students who maintain a certain grade point average.


Overall, The General is a reputable and reliable provider of auto insurance coverage. The company offers a variety of coverage options to meet the needs of different drivers, and it has a long history of providing affordable and dependable insurance policies to customers across the United States.

Whether you’re a new driver or an experienced driver with years of driving experience, The General is a great choice for car insurance coverage. The General Auto Insurance: Is It Worth It?

Car insurance is a vital necessity for drivers all over the world, protecting them financially in the event of an accident. The General Auto Insurance is one of the popular car insurance companies available and has made a name for itself by guaranteeing insurance for drivers with questionable driving records.

In this article, we will take a closer look at The General Auto Insurance to determine if it is worth it or not.

Pros of The General

One of the primary benefits of The General is the fast quote process. Getting a quote on their website is a quick and easy process that takes only a few minutes to complete.

This feature is beneficial for drivers who want to save time and are looking for an insurance quote as soon as possible. Additionally, The General offers auto insurance for drivers with past accidents or violations, which is a significant advantage.

Many insurance companies have strict criteria, and drivers whove had violations or accidents may find it challenging or even impossible to obtain insurance. However, the General provides coverage to such drivers, giving them a chance to obtain insurance and renew their driving records.

The General is also transparent about its pricing, as they provide upfront and clear information about their rates. This is a great feature for drivers who want to know how much they can expect to pay for coverage.

The transparency feature is commendable considering that many insurance policies are usually full of hidden fees or only become apparent to drivers with future policy renewals.

Cons of The General

While The General provides insurance coverage to higher risk drivers, it offers limited coverage options compared to other established auto insurance providers. Therefore, customers who require specific coverage may find the Generals policies inadequate to meet their needs.

This disadvantage makes it essential for customers to compare its coverage options with other providers to assess whether The Generals coverage meets their requirements. Another disadvantage of using The General is the limited number of discounts available.

For instance, the available discounts don’t cater to drivers who drive fewer miles annually. The lack of an efficient program like other companies like GEICO Zoommileage is disadvantageous to drivers who drive less and pay less; however, the General has not caught up with the trend, and such drivers have limited options with them.

Verdict and Recommendation

The General Auto Insurance is a decent insurer. However, it is better suited for drivers who have had difficulty obtaining insurance from other providers due to previous driving violations, insurance lapses, and history of accidents.

There are better options available for potential customers require more customized coverage or need discounts for their preferred selection. Thus any verdict and recommendation should be more contextualized to the customer’s individual needs.

The General Auto Insurance Premium

Car insurance premium is the amount that policyholders pay for coverage. It is determined by several factors such as driving history, past accident or ticket records, and age.

Understanding these factors and how they affect premiums can help drivers make informed decisions and save money on their insurance costs.

Factors That Affect Car Insurance Rates

Car insurance rates are impacted by many factors, but none more so than driving history. A clean driving record and no accident history make it easier for drivers to obtain affordable coverage options.

Conversely, drivers with past accidents or ticket records may find it challenging to find affordable insurance coverage. Age is another essential factor that affects car insurance rates as new drivers and young drivers typically have higher premiums.

Drivers over the age of 25 usually pay lower premiums, as they are considered more experienced and are less likely to be involved in an accident.

How to Find Discounts

Many insurance providers offer discounts to drivers for different reasons. Some common discounts offered to drivers include safety features discounts, multi-vehicle discounts, and recent auto insurance discount.

Inquire if your preferred insurance provider has any discounts that apply to you.

How to Maximize Savings

Maximizing savings involves several best practices, including improving your credit score, being a safe driver, opting for a higher deductible, and asking for discounts. Drivers with high credit scores are statistically less of an insurance risk, translating to lower premiums.

Similarly, maintaining a clean driving record and avoiding car accidents helps qualify drivers for basic savings. Opting for a higher deductible can save drivers money on insurance premiums by taking over some of the risks and cost.

Still, it is better to make sure you have savings available in place to pay for it when it comes due.

How to Get an Insurance Quote from The General

Getting an insurance quote from The General can be done in several ways, but the fastest and most reliable way is through their online quote tool. Youll get an instant estimate by answering some basic questions, such as your name, address, car model, and driving history.

It is helpful to have all necessary information at hand, such as registration details or driving /ticket history to ensure an accurate estimate.


Car insurance provides vital protection against unforeseen accidents, which is why choosing the right policy and provider is essential. While The General offers basic coverage for higher risk drivers, there are caveats when it comes to customization and discounts available.

Insurance premiums can be expensive, but drivers can save money by taking advantage of discounts, being safe on the road, and raising their deductibles.

The General Auto Insurance FAQs

Car insurance can be a source of confusion for many drivers, and choosing the right provider can be a daunting task. For those considering The General Auto Insurance, this article will provide answers to some frequently asked questions that can help in making an informed decision.

What Does The General Specialize In? The General specializes in providing auto insurance coverage for drivers with past accidents or traffic tickets, poor credit, or gaps in their car insurance coverage.

The company also caters to higher-risk drivers who struggle to obtain coverage elsewhere. Offering a basic level of coverage, the General does not cater to customers looking for customization or additional coverage options.

Is The General a Good Car Insurance Company? The General Auto Insurance has mixed reviews from policyholders and third-party review platforms such as TrustPilot.

Most customers appreciate the company’s quick quote process, affordable rates, and transparency on pricing. However, the limited options for customization and lack of discounts are often a drawback for policyholders.

Furthermore, The General Auto Insurance is accredited by the Better Business Bureau (BBB) and holds an A+ rating. This indicates the company has a positive relationship with its customers and resolves issues promptly.

While there are some mixed reviews on third-party review sites, most policyholders appreciate the General’s claims handling process, which is prompt, efficient, and satisfactory. Who Owns The General?

The General Auto Insurance is owned by PGC Holdings Corp., which in turn is a subsidy of American Family Insurance. American Family Insurance, a Wisconsin-based company, acquired The General Auto Insurance in 2012.

The purchase of The General was a strategic move for American Family Insurance to extend its reach into previously untapped markets of higher-risk policyholders.


In summary, The General Auto Insurance specializes in providing affordable coverage for drivers who struggle to obtain insurance elsewhere. While the company provides transparent pricing and a quick quote process, it offers limited options for customization and discounts compared to other providers.

The General Auto Insurance is known for prompt claims handling that yields satisfactory results for policyholders. Drivers with a history of accidents, traffic violations, or poor credit scores may benefit from The General Auto Insurance.

However, drivers who need more customized insurance coverage or additional discounts should consider exploring other options. In conclusion, The General Auto Insurance is a provider of affordable coverage for drivers with past accidents, traffic tickets, or poor credit scores.

The company specializes in basic coverage options without customization, and limited discounts compared to other providers. The General Auto Insurance has mixed reviews, with some customers appreciating the transparency and quick quote process, while others criticize the limited coverage options.

Nevertheless, it’s known for prompt claims-handling and satisfactory results for policyholders. While The General Auto Insurance is a good option for some drivers, others may need to explore other options to get tailored coverage.

Understanding the factors that affect car insurance rates and doing due diligence to explore multiple options can help drivers make informed decisions and get the best coverage for their needs.

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