Complaints about customer service and problems with billing, claims and cancellations can be found about The General Auto Insurance Company on online customer review sites where customers can rate products and services. While there are some negative reviews, keep in mind that people who have a negative experience are more likely to post about it than customers who are satisfied with products and services.
Hi Eric – What you’ve seen is not an unusual situation. A company that’s good in one state isn’t in another. Liberty Mutual worked for you in California, but not in Florida. This is why it’s not possible to say one company is the best. That will vary by state and by your own personal profile. That’s why we produce these “10 Best” lists, to give you companies to investigate.
Matthew thanks for posting this. You’re absolutely right. USAA has gone down the tubes, I dont get it, a simple claim recently for auto, turned into a nightmare. bouncing my calls all over the country with a bunch of idiots for claim reps answering the phones, and forcing my car into total loss when it should not have been, and paying only a portion of the damage even though I have collision.
If you’re drawn to The General because of a poor driving record or credit score, we recommend looking at Progressive first. While Progressive scores lower in financial strength and claims satisfaction than the top insurers in the industry, it offers unique discounts and supplemental coverage options specifically tailored for high-risk drivers, including a rare discount for drivers under 18. Because of its rare coverage options and financial strength ratings, Progressive is likely a better option than The General for most drivers.
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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!
All fields required. By pressing the “Get my quote” button, you give The General and its authorized representatives your consent to use automated technology and prerecorded messages to call, or text, you at the phone number(s) above, including your wireless number if provided. You are not required to provide this consent to make a purchase from us.
I love State Farm, they handle all my ins. My car, car loan, my Apt., and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages were less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service.
Saved me $370.00 on a three car policy and have nad no problems with the two claims I had within the last three years. Easy to work with on the phone or on line, you can choose your own repair shop and they will back you if the repairs are not correct. Had State Farm before and they did not have a firm handle on my account. I was recieving notification of changes constantly, $11.00 here and $14.00 there. When I would call to inquire, If I could get through they were never sure or justify why the small changes. They took all my pocket change, will not go back, I found a new home after years at SF.

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.
This insurance company should be labeled “SCAM”. My daughter has full coverage but when she tried to file a claim last week she was told she would have to pay for the repairs on her car herself because she didn’t have the license number of the hit and run driver that struck her. Because she applied online she doesn’t have collision insurance or some such crap. My advice “STAY AWAY FROM THE GENERAL”.
Now as to Hartford, I have had them for years and claims for uninured motorist on my car ins and for storm damage on my roof due to large hail. Both claims settled satisfactorily. Cost to the company will never be recovered thru cost of my policies. Also policy cost is in line with other large companies but defiantly not cheap. I just received a quote from Liberty Mutual on my car insurance $400 less that Hartford. However the agent seemed reluctant to send me the quote via email. I thought this strange since I wanted to verify the coverage was he same as I have, he said I just reviewed the coverage (via phone call) to which I replied I didn’t record the conversation so please send me an email detailing the cost and coverage, He stated he would but that was a couple hours age and still haven’ heard back. Go figure.
I love State Farm, they handle all my ins. My car, car loan, my Apt., and my health ins. My old car loan charged me a lot for gap insurance, my SF car loan gives me gap insurance for free, I saved money when I refinance my car with SF. My old insurance was more money, and my coverages were less. My agent explained what I had, and I picked better coverages and pay less. I also like their website. Nice being able to talk to real people 24/7, even in late at night, m and I am traveling, and in other time zones. Great service.

I've been with them a year and we have now switched. Our policy had lapsed so we paid the past due, got caught up, and thought we were good. NOPE. Found out in April that my license was suspended! Why? Because the General didn't bother reporting to the state that I was insured! Had to pay to get reinstated. So we have a jeep that stopped working. My husband called to have it dropped. Apparently they dropped my car as well. I just got pulled over earlier for not having insurance! My husband has been paying them. I now have to get my license reinstated AGAIN!
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DO NOT GET THIS INSURANCE! BEWARE! I got the General Insurance in Feb 2018 and paid $198/month. It was affordable and everything was great UNTIL I HAD AN ACCIDENT in November 2018. The adjuster was RUDE to everyone, including the Auto Body shop, refused to return calls and hung up on people. My claim was then transferred to a 2nd Adjuster mid-process and I NEVER received any calls at all from the 2nd guy. The only communication I got from him was via mail.
I love metlife! My brother was driving my car and wrecked it. They were so responsive and proactive. They encouraged him to see a doctor right away, paid all the medical bills promptly, and paid a decent price for my totaled car. They routinely checked up on my brother to make sure he was getting all of the attention he needed. I couldn't believe these guys! THEN my brother hit a building with my truck and did some damage to the building. They again dealt with it promptly and settled with the property owner. They were so available and easy to talk with. They were so nice to me and after these two incidents, they did not raise my rates or anything. Truly, I will never use any other company! I have absolutely nothing negative to say about them.
Watch out for GEICO especially when changing coverages. I have learned the hard way that you can’t trust them to get your changes correct. I was just hit in the rear while stopped at a stop sign. I am trying to go through the collision coverage I am supposed to have only to have GEICO tell me that I removed this coverage a few months ago. The fact of the matter is I did not remove this coverage and never would have done that or agreed to that. Trying to reason with them has been an exercise in futility so far with a supervisor trying to put the onus on me for the problem. I am currently awaiting their final position on their review of this matter, but whatever the outcome I now know I cannot relie on them to get things right and I will always have to check on them. The mistakes they make hurt you, not them.
6 weeks ago my vehicle was hit by a person being insured by The General Insurance company. To this day 6 weeks later I'm still waiting to hear from someone from the claims department to get back with me on my insurance check. The entire process has been extremely slow and drawn out. Very very disappointed in the amount of time that it takes to process a total loss claim. Several times I was told, "We will get back with you," in a certain amount of time and never hear from them. If I would have had to rent a car due to the loss of my vehicle I would have went broke by now! Definitely would not recommend them to anyone. I have the same exact type of accident happened 3 months ago and the insurer was insured by another company in which was taken care of from start to finish in 9 days. Big difference! For most people...I would say you are messing around with our livelihood!
I am not a high-risk driver but I live in Colorado and Colorado has some of the highest insurance rates in the nation. I’m a middle-aged woman and had precious insurance with Progressive and State Farm. The General premiums were half the cost of these 2 insurance companies. Recently I had to make 2 claims due to a hail storm. One vehicle was totaled and the other had over $5000 in damage. [Redacted] and [Redacted] professionalism was hands down the best! I filed my claim and the SAME DAY my 2 claims were dealt with. They made these claims painless and they were executed within and above my expectations timely manner. Most other insurance companies take months sometimes up to 7 months to have a conclusion on a hail damage claim. The General Insurance took 2 days. Thank you so much for the extremely speedy service!!!!!
The General offers fewer supplemental coverage options than our other picks for the best auto insurance companies, but it does include roadside assistance, a service which keeps you from being stranded on the side of the road after an accident or vehicle failure. If you’re not a member of AAA or another auto service provider which offers roadside assistance coverage, opting for supplemental coverage on your policy will provide greater peace of mind while you’re on the road.
In addition, while The General makes it easy to get a quote and streamlines the process of obtaining coverage, many drivers report a complicated claims process that often results in unsatisfactory payouts. This also holds true for repairs — customers have noted that The General often does its best to keep from paying for coverage it promised. If you’re at the end of the road when it comes to insurance options, The General may be able to provide you with a policy, but we wouldn’t recommend it for most drivers.
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.
Travelers Insurance offers the most comprehensive coverage of any auto insurance provider we saw. It has options for accident forgiveness, GAP insurance, and special coverage for drivers employed by rideshare apps like Uber and Lyft. And while The General might give you a lower base quote, Travelers’ long list of discounts could erase that gap quickly.
I am glad to see USAA at the bottom; but it should not be on the list at all. I am currently going through a claim with them (total loss, I got rear ended, pushed into the car in front of me and they hit the car in front of them; not at fault). I have all correspondence recorded and proof of them lying to me, and using made up regulations to justify it. When asked for the reference for said regulations, I am ignored. I have been throwing WAC at them, quote after quote as to how they are being unruly. This was in December, it is now April and they have YET to give me a valuation report in compliance with WAC. I will be more than happy to provide a copy of our correspondence (with PII edited, obviously), proving how bad USAA is at customer service and how willing they are to break the rules if it benefits them. Email me if you want to see it. I finally had enough and contacted the Washington State Insurance Commissioner; USAA has until the middle of this month to respond to them… We will see what happens next.
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.
Switching to Amica from State Farm because I reviewed my State Farm policy and found that they are no longer paying to return my vehicle to "pre-loss" condition, and instead they are only paying for what is competative in the market area. I have been with State Farm for over 12 years, and recently read my policy booklet, and found this out. Based on the way State Farm's auto policies read I am very unhappy. State Farm gets to dictate what is competative in the market area, and because the majority of the shops in my area are not good shops, State Farm will not pay to have my vehicle repaired properly because it isn't competative in the market area as my policy reads. This also means that if I hit someone and they take their vehicle to a quality shop and State Farm does not pay for the cost to repair the other party's vehicle properly, then I can be sued by the person I hit. I expect more from my insurance, and I hope others do to. After contacting Amica I have found their ...more

The General was founded in 1963 as Permanent General Agency, and later sold products as Permanent General Assurance Corporation (PGAC). In 1997 the name The General came into use, although the company remains officially PGAC. The following year, American Family Insurance acquired The General, although they continue to operate as a separate company. The company is currently headquartered out of Nashville, Tennessee.
The online quoting system is simple and straightforward, however, it does not provide any information in terms of what level of coverage is being quoted. This makes it difficult to compare their rate quotes to other companies. Without knowing what level of coverage and what options might be included in the quote, it is impossible to make an apples-to-apples comparison with other companies. More detailed quoting is likely available over the phone, or through an agent.
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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