The General, formerly known as Permanent General Agency, was founded in 1963 and is based in Nashville, Tennessee. There are also several physical locations throughout Louisiana. In 1997, the name officially changed to The General, and the brand made their mascot an animated military general who is known for saying, “For a great low rate you can get online, go to The General and save some time!” The company prides itself in bringing over 50 years of insurance experience.
The General Insurance offers several types of automotive insurance coverage. Liability coverage pays for damages that the driver inflicts on someone else in an accident, while collision coverage pays for any damages done to the driver’s vehicle. Additionally, comprehensive coverage is for physical vehicle damage that isn’t a collision, such as vandalism and theft. Plus, personal injury protection (also known as PIP or no-fault insurance) is coverage for the driver as well as passengers or pedestrians who are affected by the collision, even if the driver is at fault. There’s also uninsured and underinsured motorist coverage that covers the driver in the event that an uninsured or underinsured motorist causes an accident. Furthermore, medical payment coverage foots the bill for medical expenses you or your family members get after an accident has occurred.
Other coverage options include rental reimbursement, which pays for rental car expenses if you have a loss under collision or comprehensive coverage. Custom equipment coverage also requires comprehensive and collision coverage, and covers custom equipment that has been damaged in an accident. There’s also 24/7 roadside assistance coverage that covers emergency services like towing, fuel delivery, lock-out service, and battery service. Another optional coverage that requires comprehensive and collision coverage is for towing and labor, which pays for the cost of towing your vehicle.
According to The General, it only takes two minutes or less to get a quote, which is free and requires no commitment. You can also save your quote and come back to it at any time. Policyholders can get an auto insurance ID card, make policy changes, view policy documents, and make payments through The General’s MyPolicy online platform. A mobile app is also available that allows you to do all the same functions as the MyPolicy platform and take advantage of on-demand support where you can chat, email, call, request a call back, and get FAQ information.
Shaquille O’Neal’s partnership with The General is a testament of what they stand for. Shaq chose The General when he was first starting his basketball career because they accept most drivers and have low monthly payments. The brand is known for providing good insurance to those with previous violations or accidents, in addition to coverage for younger drivers and those with bad credit. While most companies hike up the prices or reject coverage for high-risk drivers, The General offers reasonable starting rates for these folks.
The company is also more than happy to work with anyone required to obtain an SR-22 certification to prove that they have the minimum amount of insurance required by their state. These could be people who have had several tickets or traffic violations, a revoked or suspended license, been convicted of a DUI, or had an at-fault accident while driving without insurance. However, the brand isn’t as ideal for those with clean driving records because several other insurance companies provide more discounts, additional types of policies, and quicker claim service.
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The General Insurance Car Insurance Discounts
The General Insurance offers a decent number of discounts for policyholders, which vary based on which state you live in. There’s a good student discount that requires the student driver’s documentation of being on the Honor Roll, being on the Dean’s List, having a 3.0 GPA average or better, having a B average or better, or ranking scholastically in the upper 20% of their class. Additionally, a driver training discount is available for those who provide documentation confirming their completion of an official military or state accident prevention course.
Active military personnel that are serving full time in the Army, Navy, Air Force, Reserve Corps/National Guard, Marine Corps, or Coast Guard who are based in Louisiana can also benefit from a military discount. If you have kept insurance with another company for six consecutive months and can verify your coverage, you qualify for a transfer discount. Some states also offer a one-time double-deductible discount, which doubles your deductible for comprehensive and collision coverage during the first 45 days of your policy.
There’s also a discount for your auto insurance policy if you are a homeowner, as well as a multi-vehicle discount for insuring more than one vehicle on your policy. Plus, some states offer discounts for being a safe driver, having liability only auto insurance (which is the minimum amount of coverage that most states require), having a restricted policy (restricts coverage to those listed on your policy), and having guest personal injury protection (provides coverage for guest passengers).
Other Types of Policies From The General Insurance
One other policy that The General offers is renters insurance. This covers the policyholder in the event that their belongings, living expenses, and liabilities are jeopardized by unintended circumstances like a fire or flood. However, there aren’t any other policies outside of auto and renters insurance – like insurance for your home, travels, pets, jewelry, ID theft, life, and health – that shoppers can take advantage of. Plus, The General doesn’t offer recreational insurance for vehicles like motorcycles, RVs, ATVs, and boats.
The General Insurance Financial Fitness
As far as financial strength is concerned, The General is in good standing. It has an A rating, which is considered Excellent, from A.M. Best Rating Services, a financial rating organization. This means that this insurance company has an excellent ability to meet ongoing insurance obligations. In addition, A.M. Best Rating Services gave the brand an A+ long-term issuer credit rating, which is also considered Excellent. This rating indicates that The General auto insurance has an excellent ability to meet their ongoing senior financial obligations.
Additionally, high-risk drivers will likely get lower rates from The General than its competition. ValuePenguin gathered annual auto insurance premiums for a 21-year old male and found The General’s price to be lower than State Farm, Amica, and Progressive. However, The General’s rates weren’t so favorable in the event of a collision. In fact, The General was given the highest increase in its rate after an accident was recorded. In addition, the National Association of Insurance Commissioners gathered information on The General’s customer service and found the company to have slow claim service and frequent rate increases.
Other Insurance Brands Related to The General Insurance
The General is owned by American Family Insurance and is a subsidiary of PGC Holdings Corporation, but it functions as its own separate entity or brand. There are no other companies operated by The General.
Contact The General Insurance
There are a few ways to contact The General Insurance. You can reach the brand online at www.thegeneral.com/about/contact/, call a representative at 1-844-328-0306, or have the sales or customer service teams call you directly.
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Average Annual Rates:
- USAA: $885
- Geico: $1,168
- State Farm: $1,234
- Travelers: $1,267
- Progressive: $1,373
- American Family: $1,391
- Farmers: $1,682
- Nationwide: $1,864
- Allstate: $1,880