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.
Please note that this website provides only a summary of auto insurance, written to illustrate in general terms how auto insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.

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.

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


Liberty Mutual just dropped my family because of two claims that were made on my daughters car. She had her car at school freshmen year and It was parked and hit on the rear corner closest to the road. It wasn’t her fault and no one came forward to admit to the accident. She no longer has a car at school, and drives rarely when she’s home. The second accident was when she was pulling out of the carport and her front bumper caught a wooden railing when she was backing out. That was her fault, but an accident. Isn’t that why we have insurance????? Before I got this letter from Liberty mutual, I sang their praises. I will loudly have bad things to say from now on. Don’t count on Liberty Mutual
I have insurance with this company and they have served me well. When I call or need help the Johnny Blackwell agency in Albertville, Al. is there for me and I always talk to him or his customer service representive. This means a lot to me and being ole school I appreciate this company. I don't mind paying when I can depend on my agent. Thanks Johnny Blackwell for being there for me and my family.
Hi Stephen – I think you’re doing the right thing – as long as the premium continues to be reasonable compared to the competition. Even though we obsess on low rates, quality of service matters. It does little good if you get the cheapest policy, then they stick you when you have a claim. With must auto claims there’s going to be a human error factor (especially with new drivers), and you can’t be with companies that will hold that against you to such a degree that it seems like they no longer want your business.
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 would give them no stars if I could. This company is horrible. I and my husband went to change our insurance from our separate policies into a combined policy and signed up with them on June 8th. We were offered a better-combined rate to stay with Geico so we faxed in cancellation on the 11th three days into the policy after paying original $90 to sign up. We called to see if there would be a refund, and got a big Fat NO!! Apparently, in the fine print, they keep 10% of your original premium which was $67 then charged us another $15 to process that and the remaining $7 was applied to the three days we actually had a policy!! Make [redacted] sure to read the fine print on this policy before buying. We basically paid $90 for three days worth of insurance.
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.
My daughters parked car was hit, from a claimant from General who failed to report it. It took approximately 20 phone calls and multiple emails and texts to get the ball moving to get a claim submitted. After the car was looked at by an adjuster a estimate was submitted. After reviewing the estimate General slashed the estimate in half ( took off $1,100 dollars). They attempted to use sub-standard parts to make the repair. Needless to say this was by far the worst experience that I have ever had with an insurance company. I pray that I never have to deal with General again. Signed , an extremely frustrated and irritated car owner. This was truly a hellish experience!
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
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.
I do not have any at fault claims on my insurance history. I have auto withdraw for my payments. I got The General because I bought my current vehicle at night late and the general allowed me to get the insurance online right away. I have had Geico in the past and I was going to go back to them before the next month bill came due. Well I'm going through a divorce and at that time he was making life difficult so I didn't get around to it. My oldest son moved back in with me so we just put him and his car on my insurance. I figured I would just change insurance back to Geico when he moved out. Well last weekend my son got into an accident. I'm not happy with the claims department and their process. Today I decided that I'm not happy with this company so now would be a good time to go back to Geico.

By providing your contact information, you expressly consent to receiving calls and/or SMS text messages at the number you provided as part of our service offerings, including but not limited to advertisements, solicitations, and service updates. The phone number belonging to the called/messaged person(s) could incur charges for such contact. Read and understand all program materials prior to enrollment. Not available in all states.


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.

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.

The General is intended for drivers who may face steep rates from other insurers, but that doesn’t mean it will be able to provide those drivers with the protection they need. Few coverage options and a history of complicated claims resolution keeps us from recommending The General. Even if it offers lower rates than the competition, you might eventually get hit with unexpected fees that drive up the price of your coverage. If you can avoid it, you should — there are better insurance options out there.
I have been a GEICO customer for about least 15 years. Claims and customer service are not the issue with them. After said years of faithfully paying my insurance on time and renewing each year I accidently back into a car in my driveway. The cars were repaired without incident. However, GEICO penalized me by taking away my good driver discount and increase my monthly insurance rate by nearly $100.00 ; leving a hefty penalty for making a claim. I can’t imagine the money they made off of me during the 15 years I’ve faithfully paid auto insurance. I am hunting for a new auto insurance carrier since GEICO obviously thinks driving is perfect and accidents never happen.

The General Insurance Co. advertises their customer service is rated highly…. WRONG – one of their insured vehicle was driven by a drunk driver… left the road way, crossed over on coming traffic, crashed into my parked car, taken to jail by sheriff’s, police report taken. They did nothing to track down their insured to get a report. They would do nothing without a statement from their insured…I personally had to go find their insured which was not hard… I drove to their home. I took with me a document and ask the insured to sign which stated she knew the insured vehicle was driven by her friend, and that she felt her insurance co should honor her policy. Then needless to say had to fight them tooth and nail to get them to pay the claim to replace my car as it was totaled.
Had this company for years including coverage for my 21 Year son...not an easy feat to get reasonable prices, complete consideration by all employees and real people who meet all our needs when it really counts. Example..my son was in a total loss accident when hit (hit and run) on a busy freeway. He had minor physical injuries but Wawanesa came through providing everything we needed! We love Wawanesa.
But the general refuses to pay for damages, knowing that the person was at fault. They won’t call you back. They send random contractors out. They do everything in there power to not pay for the damage, even if their claimant is clearly in the wrong. They will keep saying its pending. Knowing they have the information to proceed. Representatives are very rude. They will try everything to make you be liable. I was left without a car and having to fight hard just to get repairs.
Crooks demanding I pay for expired Auto Insurance when I have clicked the cancel my policy button because I found a cheaper yet better insurance company. I call the representative, they said it’s not showing up in our system and they demand I pay $30 or take a hit on my credit score???? [Redacted]!!! I recommend Adriana’s insurance for what you are paying here at least they offer uninsured motorist
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.
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!
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.
The experience with The General has been ok. I do not feel extra special when I go there. It is like a number being pushed through and that is it. The insurance does what it needs to do, but there is nothing "wow" or I don’t get major perks. I would change, but the price is keeping me from switching for the time being. So the policy is ok, the pricing is good.
I have insurance with this company and they have served me well. When I call or need help the Johnny Blackwell agency in Albertville, Al. is there for me and I always talk to him or his customer service representive. This means a lot to me and being ole school I appreciate this company. I don't mind paying when I can depend on my agent. Thanks Johnny Blackwell for being there for me and my family.
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.
USAA’s adjustor knew he messed up big time. He told me that & I said no I don’t agree & I’m not accepting that, so, I guess you need to finish this conversation with my lawyer. He promptly snarkily replied we can’t talk if you have a lawyer… I said I guess we can’t talk then here’s his number & hung up. I think he had enough time to Google my lawyer & he called me back to back 3x. The 3rd one I said you said we can’t talk so we’re not talking. You are finishing it with my lawyer… click. I’m done messing around @ this point. I hurt. I can’t get to my follow-up doctors appointments & they’re trying to screw me out of fair market value for my truck. Just no way.

GoodFinancialCents.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. For more information, please check out our full disclaimer. GoodFinancialCents.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.


Basketball legend Shaquille O’Neal went to The General for his car insurance back in college, and he continues to be a loyal customer today. Why? In part, because of the company’s financial strength. The General and its affiliate insurers received an Excellent rating from A.M. Best Company, an independent financial stability reviewer that rates over 3,400 insurance companies in over 90 countries.
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.
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.
No other insurance company would help me and one agent told me I was uninsurable. I didn't think I was going to be able to drive again until I called The General and they told me they would help me get back on the road. They quoted me a price and I've never had any of the Hidden fees other people are posting about. My policy is up and I'm about to renew. That's how I arrived at this site. If you need high risk liability insurance to get back on the road this company is excellent.
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.
I've had State Farm my whole life and they have always done right by me. On April 10, 2009 my home was destroyed by a tornado. Amidst all the turmoil, the traffic, and the inability to call anyone... I was finally able to reach my agent around midnight to report my claim. The next morning I went to the location of my destroyed home around 8 am to find my agent was already there with a check in hand to keep me on my feet. My agent and claims team found me a town home to stay in, fully furnished it with supplies and furniture, and allowed me to stay there until the construction on my new home was complete. All the while, tending to my every need and resolving any complications or worries I had very quickly.
The General is not worth considering for drivers without high-risk issues, as their rates are not intended to be competitive for the general market. With a less than informative website, it is difficult to obtain a clear picture of what their products or services are or really cover. It is also difficult to determine how competitive rates are, even for non-standard drivers. This is due to the fact that the quoting system provides no information regarding the coverage and limits being quoted.

I had insurance with The General since 7/12/2016: I switched to Allstate after purchasing a new vehicle and have gotten nothing but grief including them charging me 10% of my policy premium for early cancellation. I was rear-ended in September and The General did not fight for me on the claim side. Instead I kept receiving phone calls from Ashley the adjuster asking me if I was down receiving PT and she closed the claim. Mind you - my son has a kidney transplant 2 weeks after the accident so taking care of myself was not a number 1 priority but him. After cancelling my insurance they asked me for a letter of underwriting. Not too sure what this app is but have emailed them to find out and after 2+ years of being insured I moved and they also raised my insurance for my children who do not drive nor have license for living in my home. Horrible company. Purchaser BEWARE. THEY ARE NOT AND DO NOT FIGHT FOR YOU!


A-MAX is a Texas born and based company helping other Texans save money on automotive insurance. We provide low-cost car insurance, truck insurance, & insurance for all of the vehicles you own in over 17 Texas cities and growing. Since 2002 we've diligently worked to help our fellow Texans find lower cost auto insurance based on their own unique situation. It's your money; we think you should keep more of it for the same auto, car, truck, or SUV insurance. At A-MAX Auto Insurance, we offer low-cost Texas liability auto insurance, towing and roadside assistance, uninsured & underinsured motorist, comprehensive & collision, rental reimbursement, personal injury protection, and medical payments coverage.
×