They say month to month. They cancel you if payment is not made on due date. But still take your money after due date. Was late on payment. Made payment over weekend. Had an accident over weekend and now my claim was denied. Because they didn't get it till Monday. But thank me for my payment that Saturday for payment. Bottom line - don't make any payments over the weekend with the General. RIP to the General. No car and lawsuit from other driver insurance company. Stressed. Don't know what to do. Merry no Christmas to my grandchildren.
Do not, I repeat, do not get this coverage. They hide fees from you, make changes without your consent and will keep ALL of your money when you cancel. I got a quote, paid the downpayment and 4 days later found better, cheaper coverage. Contacted the general as I still had required paperwork that needed to be submitted and was told I would get a full refund. I got $15 back out of my $296 payment. For 13 days of coverage (because that's when they finally canceled a policy.) If this isn't a scam, I dont know what is. My policy that I received never said anything in regards to fees to cancel but my original paperwork said short rate basis, which to them is a fee. AGAIN, my policy said nothing about a FEE in the cancellation section or anywhere else. They play on words and semantics. Customer service is rude and they talk over you. Shaq has put himself with a horrible company.
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.
I have been with Progressive for over two years, but I keep getting bills with extra charges and if I don't pay they will cancel my coverage. I went on line and checked several other companies, but NO success. When I contacted Nationwide, I ran into a problem doing the on line quote, so I called and talked with an agent. He was extremely helpful, got me three times the coverage, road side service, towing and all at a much lower rate! I'm very thankful with the kindness and the outstanding service, that this man and company showed me and how he made me feel, like my business was important to him and his company. I believe that I'm going to be a very satisfied customer and long time client as well!
After I switched to Progressive I got into a car accident. I did not know exactly what I needed to do, but the people at progressive helped me the entire way. All I had to do was choose where I wanted to have my car repaired and they did the rest. Since I used one if the shops they referred I had my car back in less than a week. Quick and painless, all I had to do was make a call.
I just switched from State Farm to Nationwide and State Farm was reasonable, though I wasn't necessarily happy with the coverage. It was only $79 a month for full coverage, but they didn't have accident forgiveness, if I got into an accident, I would have to pay 20% of the rental fee for a car, and the lowest deductible for collision they will go is $250. I switched to Nationwide a week ago and the quote was for $70 a month, (every little bit counts) but the big difference is the coverage. I got accident forgiveness included, also they pay 100% of car rental fee, and I only have $100 deductible for collision. However they do have $0 deductible but 100 I can do. This is for a 2011 Ford Focus which Focuses are generally cheap to insure.

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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.
The General, under Permanent General Companies, Inc., is BBB accredited and has been since 2005. The website gives the company an A+ rating. There are a total of 176 complaints against the company in the past three years, with 64 of those complaints closed in the past 12 months. Those numbers are a little high, but not alarming for a company of this size. There are no government actions or other major problems listed.
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.

USAA use to be a reputable company however in pass years their level in integrity customer service has declined tremendously. Lack of due diligence poor laziness. I am so ashamed for them. I have been a member for over 12 years no more. I am in the process of moving all my accounts and severing all ties. Yes it is that bad. It is time consuming but 200% necessary unfortunately. I will not share each negative and compromising act they did but I do not trust them. If you want your own horrible experience please join and find out.

I was in an automobile accident on 12/27/17. Hit in a parking lot by a girl doing about 50, insured by Permanent General. The accident was 100% her fault as admitted by everybody involved. I submitted a claim to her insurance company and was given an adjusted named {Redacted]. Permanent General then proceeded to have my car towed to a salvage yard one hour and 20 minutes away from where it was. This company [Redacted] lost my only set of car keys. This lost keys delayed my auto body shop from estimating my vehicle. A new set of keys had to be created and a locksmith had to re-key my car. The General had the nerve to blame this delay on the auto body shop and ordered me to return my rental car before any repairs were even authorized to be completed. I left 3 voicemail messages for [Redacted]’s supervisor [Redacted] in regards to needing a rental vehicle until my vehicle was repaired. She did not return one of my phone calls. I did not get to speak to her until I called the claims line and refused to be put into voicemail and held for 25 minutes. Her response was to bad for me. Again they went back and forth on repairs until Friday 1/26, 30 days after my accident, when [Redacted] stated that they would not be paying any repairs and I would have to subjugate through my insurance company. Do not use this company for your insurance. Go through Statefarm, Geico, one of the real insurance companies. This is the worst company I have ever dealt with, horrible customer service and these people just do not care. If you get jerked around from this company as I have, submit a complaint through the BBB and through Division of Finance. Maybe with enough complaints, we can put this company out of business. I have now filed a claim with my insurance company.


If multiple people drive your car, or if you have friends or family riding with you, you need extra protection. Your insurance policy from The General may help provide for your passengers’ health care needs, too. An auto insurance policy from The General also helps protect you if you’re in a car accident that involves other drivers who don’t have insurance.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

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