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The General Auto Insurance Review


About The General

The General has been an American staple in the insurance industry since 1963. They are headquartered in Nashville, Tennessee and run by Tony DeSantis, the President and CEO of The General. Unlike many other insurers, The General focuses only on automobile insurance. They are known for providing coverage to ‘high risk’ individuals, or those who have had a few accidents or tickets on their record. Typically, those drivers tend to have higher premiums due to their higher risk. In 2012, The General was bought by American Family Insurance, but as of 2019 they still retain their own brand. Physical locations for The General exist along the eastern United States. Several stores are open in their home state of Tennessee, as well as Louisiana, Florida, Georgia, Ohio, and Texas. There are even a few additional spreading further west, in places such as Arizona, California, and Colorado.  

Satisfaction Ratings

  • BBB Rating: A+
  • Consumer Reports Rating: Lower Than Average Satisfaction
  • JD Power Rating:  n/a

Pros & Cons Section

Will not turn customers away if they have a bad driving record
With the online tool, you can get a quote in under 2 minutes, and a policy in 5
Offers 12-month policies too

Encourages bare-bones, minimum coverage options for lowering rates
Requires any household member over 14 to be on the policy, regardless of their driving status
No online claims support center

Policies Offered

Here are some of the types of coverages offered by The General:

Liability – The General combines Personal Injury and Property Damage under one set, with several options for deductibles and coverage variations.

Collision – This is standard coverage necessary if you don’t yet own your vehicle. If you have an accident and hit something, whether it’s another vehicle or a fire hydrant, this is the coverage that will help.

Comprehensive – If it’s not a collision, then it’s comprehensive, which is also known as “other than collision”. Things like scratched paint, broken windows, and stolen radios all fall under this helm.

Upgrades and Addons

Here are some of the upgrades and extra features you can add to your policy:

Custom Equipment – The General allows you to choose whether or not replacement equipment is brand name or the less expensive off-brand choices.

Hospital Indemnity – The option to purchase this plan comes with getting a quote from The General, even though it isn’t included in most auto insurances. It gives coverage for death and dismemberment, and you must choose which drivers have coverage and which do not.

Rental Reimbursement – If your vehicle is indisposed for a covered reason, The General will help pay expensed for a rental vehicle, up to a certain amount.

Available Discounts

You can earn discounts with the following The General programs:

Double Deductible – If you’re willing to double the deductible of your choice for the first 45 days of your policy, The General will take a sizable chunk off of your premium.

Pay in Full  – No need to worry about monthly bills or installment fees with this plan. And if it’s a viable option for you, you save money with an additional discount.

Quarterly Plan  – Some states allow for insurance premiums to be paid quarterly. If your state does and that’s the option you choose, The General will give you a partial discount.

Accident Prevention – Have you ever taken an Accident Prevention Course that’s approved by your state vehicle department? If so, you qualify for another discount.

Good Driver  – Have you been accident-free for three years? The General will give you a major discount on premium pricing.

Special Programs

These special programs and benefits are available from The General:

The App – The General tends towards the barebones insurance coverage in order to keep affordable for their high-risk clients. That means they don’t have very many (or any) special programs to enroll in since most of their customers wouldn’t benefit from them. They do, however, have an App available for download on the Apple Store and Google Play. You can use the app to navigate your policy, check on your coverages, see your premium due, review the covered vehicles, and look into any active claims.

What You Need to Apply

Have this information on hand to get a fast, accurate quote:

You  – Naturally, in order to calculate a premium for you, you will need to enter your name, birthday, and perhaps some more personal details like your social security number.

Address Where is your car going to and from every day? Do you live in a big city? A small town? Your address has a big effect on your driving, and The General needs to know where you live to determine how risky it is to dry there. 

VIN  – This 16-digit number is located inside your car door or auto manual, among other places. It belongs only to your vehicle and can identify the features included. If you don’t have it, you can still use the year, make, and model for a close estimate.

Email – As with any online quote, The General wants to be able to contact you online after you’re through with your quote. If you go through with buying the policy, this will be how it is sent to you and how changes are communicated.

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