Why does The General insurance suck?

Asked by: Georgianna Smitham  |  Last update: February 11, 2022
Score: 4.3/5 (66 votes)

The General specifically caters to high-risk drivers who struggle to get coverage from major national insurers. However, the company's high premiums, negative reviews and lack of meaningful discounts make The General not a good choice both for those with clean driving records and for those with some incidents.

Why is The General insurance so high?

Common causes of overly expensive insurance rates include your age, driving record, credit history, coverage options, what car you drive and where you live. Anything that insurers can link to an increased likelihood that you will be in an accident and file a claim will result in higher car insurance premiums.

How is the general auto insurance?

Overall, WalletHub's editors give The General a rating of 1.9/5. The General gets points for providing affordable auto policies to high-risk drivers, but it could improve its customer service and claims service.

Is The General a real insurance company?

(The General) is a licensed insurance agency that is a subsidiary of PGC Holdings Corp. (PGC) which is an affiliate of American Family Insurance. ... The General car insurance is both affordable and reliable.

Why is the general car insurance so expensive?

The General is so expensive because it specializes in covering high-risk drivers, who are more likely to file a claim than the average person. ... Because The General is a nonstandard insurance company, it has to offset the cost of potential claims with higher premiums.

Never Buy This Car Insurance

27 related questions found

Does car age affect insurance?

Your age plays a major role in the rate you'll pay for car insurance: Drivers 24 years of age and under often pay the highest insurance rates. Auto premiums often start dropping after you turn 25. Typically, drivers in their 40s and 50s pay the lowest rates.

Is The General owned by progressive?

Did Progressive buy The General? No. In early 2013, they were acquired by American Family Insurance, making them an even bigger play in the insurance space.

Does The General insurance pay claims?

The General Insurance Financial Strength Rating

This means that The General has an "excellent" ability to meet its financial obligations and pay out claims — even if that claims process is often slower than with other insurers.

What does The General insurance cover?

General liability insurance, also known as commercial general liability insurance or business liability insurance, helps cover: Costs for property damage claims against your business. Medical expenses if someone gets injured at your company. Advertising injury claims against your business.

Which company has the cheapest option for full coverage?

State Farm is the cheapest widely available company in the country for full coverage policies with an average rate of $1,310 per year, or $109 per month.

How do I cancel my general car insurance?

To cancel an insurance policy with The General, send a letter requesting cancellation to: The General, 2636 Elm Hill Pike, Suite 100, Nashville, TN 37214. It's also acceptable to submit a written request to a local agent. The General's auto policies cannot be cancelled by phone or online, only in writing.

Why is insurance so expensive for new drivers?

Young drivers are seen as "riskier" to insure

So the riskier you are to insure, the more expensive your car insurance will be. ... Young drivers are more expensive to insure because they're statistically more likely to have an accident — around 25% of all claims are made by drivers under the age of 25.

How much is car insurance with the general?

The General car insurance costs an average of $1,187 per year ($99 per month) for a minimum-coverage policy, which is more than the national average of $720 per year. The exact cost of auto insurance with The General depends on factors such as a driver's history on the road, age, state, and coverage limits.

Why is my Geico quote so high?

Geico is so expensive because car insurance is expensive in general, due to rising costs for insurers. ... Additionally, drivers who recently had an at-fault accident pay an average of $900 for Geico coverage, which is 78% more than drivers with a clean record.

How does The General handle claims?

In the event of an accident, The General® is prepared to assist you with your car insurance claim and guide you through the process. If you have an auto insurance policy from The General and need to report a new claim or check an existing claim, please contact us by phone or through the app.

How long does it take The General to process a claim?

Once you file a claim, you might wonder, “How long does an auto insurance company have to settle a claim?” The short answer is, usually around 30 days. However, it can vary depending on a few other factors. Insurance claims typically take about one month to resolve.

How do I make a general insurance claim?

Claim Forms
  1. Claim form duly filled and signed by the insured.
  2. Proof of insurance Policy / Covernote copy.
  3. Copy of Registration Book, Tax Receipt.
  4. Copy of Motor Driving Licence of the person driving the vehicle at the time.
  5. Police Panchanama/FIR ( In case of Third Party property damage /Death / Body injury)

Who backs the general car insurance?

The General Insurance is a subsidiary of PGC Holdings Corp., which is owned by American Family.

How tall is The General from The General commercials?

Shaq and The General Character are iconic for their respective heights. The basketball behemoth is a jaw-dropping seven feet one inch tall. The General, well … he's a bit on the tiny side.

Does Shaq own part of the general insurance?

Shaq was first insured by The General® when he was starting his basketball career. Today, he's not just our new partner, but he is once again a valued customer! It's no surprise; we've been providing quality auto insurance for almost 60 years.