The General Car Insurance Review for 2024 (See Rates & Discounts Here)

This The General car insurance review highlights its essential coverage for high-risk drivers and a user-friendly mobile app.

The General excels in providing insurance for those with poor driving records, making it a viable option for individuals facing challenges securing coverage elsewhere. However, its rates tend to be higher than those of its competitors, especially for those with clean records buying car insurance.

Rating Criteria
Overall Score	3.4
Business Reviews	3.5
Claim Processing	2.5
Company Reputation	3.5
Coverage Availability	4.5
Coverage Value	3.1
Customer Satisfaction	4.0
Digital Experience	3.5
Discounts Available	4.0
Insurance Cost	3.3
Plan Personalization	3.5
Policy Options	3.1
Savings Potential	3.5

Customer service reviews are also mixed, with numerous complaints about responsiveness. High-risk drivers may find The General beneficial, but comparing multiple quotes is crucial to ensure the best rates and coverage options tailored to your needs. Shop for affordable insurance today with our free quote finder.

Cost of The General Car Insurance

If you’re looking for reliable car insurance, you might have heard of The General. They’re a well-respected provider with a solid reputation for offering great coverage. But before you jump in and sign up, it’s worth considering whether they’re the right choice for you.

The General’s auto insurance rates can vary wildly depending on a range of factors, from your age and gender to your driving record.

The General car insurance is particularly great for drivers who are considered high-risk, such as those with a history of accidents or traffic violations.

However, if you have a clean driving record, you may be able to find more affordable car insurance rates elsewhere at another company.

The General’s rates are high, but if you have a long history of violations, such a DUI, and are having trouble finding insurance, you might be able to get coverage through the company.

The downside is that you’ll likely pay higher than the national average for your policy, especially if you add more high-risk drivers to your policy (Read More: How do I add or remove drivers from my The General Insurance car insurance policy?).

The General Auto Insurance Rates vs. the Competition

For many drivers, finding affordable insurance can be a challenge – especially if they have a less-than-perfect driving record.

The General specializes in providing high-risk car insurance to drivers who may have a hard time finding coverage with other providers. The downside is that The General’s auto insurance rates are higher than those of its competitors, as you can see below.

Insurance Company	Age: 45 Female	Age: 45 Male
	$162	$160
	$115	$117
	$139	$139
	$80	$80
	$171	$174
	$113	$115
	$112	$105
	$86	$86
	$54	$232
	$98	$99

Drivers with clean driving records may want to shop elsewhere. Likewise, if you have a poor driving record and can get coverage at another company, it will likely be cheaper than signing up with The General.

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$160	$188	$225	$270
	$117	$136	$176	$194
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$232	$277	$327	$426
	$99	$134	$139	$206

You can get quotes directly from the company’s website to determine how much you will pay for The General vehicle insurance.

You can also use a quote comparison tool to compare The General insurance rates to those of other companies.

The General Car Insurance Coverage Options

Now that you know how much car insurance policies cost at The General and how insurance companies calculate your car insurance rate, see what you can buy from the company for your policy.

This insurance company offers somewhat limited coverage options, which could be problematic if you’re looking for specific types of coverage or want more customization in your policy. It’s also worth noting that The General doesn’t offer car insurance coverage in every state.

The General Car Insurance Discounts

The General’s car insurance discounts can help you get low-cost car insurance with driver discounts. For example, The General also has a good student discount. You’ll be eligible for this car insurance discount if you’re a full-time student with good grades.

Discount Type
Multi-Policy	20%
Good Student	15%
Low Mileage	15%
Driver Training	10%
Military	10%
Safe Driver	10%
Senior Driver	10%
Anti-Theft Device	5%
Homeowners	5%
Paperless	5%

Do you have multiple cars in your household? The General also has a multi-car discount that allows you to insure them all on one policy and receive a discount. Other noteworthy discounts are the driver education discount for those who have taken an approved driving course and the safe driver discount for those with clean driving records.

If you’re an active duty military member, you can receive a discount on your car insurance, but unfortunately, only if you’re in Louisiana.

Before you hit the road, make sure to check with a representative to see which discounts are available in your state. Keep in mind that not all The General discounts are available in every state.

The General Customer Reviews

When reviewing The General reviews and complaints, we found many customers have reported rude, unknowledgeable, and unhelpful representatives. One common complaint is that representatives fail to return calls or follow up on inquiries, leaving customers feeling frustrated and ignored.

To get a feel for what customers think of The General, check out The General car insurance reviews on Reddit and other similar sites.

The General car insurance reviews on Yelp, Reddit, and similar sites are mixed. All in all, The General’s customer service track record is less than stellar.

If you’re looking for an auto insurance company with excellent customer service ratings, you can use our free quote tool at FreeAdvice.com to find a company with helpful customer service and affordable car insurance rates.

The General Business Reviews

When it comes to choosing an auto insurance provider, a crucial factor to consider is their financial strength. After all, you want to be sure that the company you choose will be able to pay out claims if needed.

So, how does The General measure up in this regard? According to A.M. Best, The General’s financial strength is strong. The company has an A rating, indicating that they are financially healthy and can meet their obligations.

With a solid financial rating like this, you can feel confident that The General will be able to provide the coverage you need and pay out claims when necessary. Take a look at other important business ratings below, such as The General car insurance reviews from Consumer Reports.

Agency
	Score: 835 / 1,000 Avg. Satisfaction
	Score: B+ Good Business Practices
	Score: 68/100 Avg. Customer Feedback
	Score: 1.15 More Complaints Than Avg.
	Score: A Excellent Financial Strength

While The General may offer affordable coverage for high-risk drivers, their customer service reputation leaves a lot to be desired. According to the National Association of Insurance Commissioners (NAIC), The General receives more complaints than similarly sized companies.

Learn More: How to File a Complaint with Your State Department of Insurance

The good news is that while there are hundreds of complaints from dissatisfied customers, The General car insurance reviews from BBB resulted in a rating of B+ when it comes to resolving customer complaints.

The General Car Insurance Pros and Cons

Remember, finding the right car insurance policy can make all the difference when it comes to protecting yourself and your vehicle on the road, especially if you have a bad driving record.

However, it’s important to weigh the pros and cons before making any final decisions. The pros that may make The General worthwhile for you include:

• High-Risk Driver Coverage: While The General’s rates are typically higher than its competitors, it’s because the company often covers high-risk drivers, who are more likely to file claims and, therefore, pose a greater risk to insurers.
• Mobile App: The company’s mobile app is designed to simplify the insurance process, making it easy for drivers to access policy information, track claims, and even file SR-22 car insurance forms. For those who don’t know, an SR-22 form is a certificate of financial responsibility that certain high-risk drivers must file with their state’s Department of Motor Vehicles (DMV).
• Quick Claim Filing: You have several options for filing The General claims, including using their mobile app, logging into their website, or speaking with a representative on their 24/7 hotline.

Overall, this insurance company could be a great option for high-risk drivers. With a user-friendly app, discount opportunities, and SR-22 filing options for DUIs, it’s worth considering (Read More: How a DUI affects Your Car Insurance Policy & SR-22 Insurance Forms).  However, like any product or service, there are some downsides.

• Customer Complaints: One major concern is the high number of complaints lodged against this insurance company. While it’s not uncommon for an insurer to receive complaints, the volume of complaints for this particular company is noteworthy.
• Early Cancellation Fee: Another potential drawback is the penalty for canceling early. If you need to switch providers mid-policy term, you may face a financial penalty. Additionally, while the rates may be affordable for high-risk drivers, they are still higher than some of the competition.

If you have a clean driving record and a good credit score, you may be able to find better rates and more comprehensive coverage from other insurance companies. On the other hand, if you’re a high-risk driver, The General may be a solid choice for affordable coverage.

Deciding if The General is Best for Your Car Insurance Needs

Our The General car insurance review found that while the company provides valuable coverage for high-risk drivers, it also has higher rates compared to competitors.

With its user-friendly mobile app, discount opportunities, and SR-22 filing options, it’s definitely worth considering. Just be aware of the potential downsides, such as the penalty for canceling early and the limited coverage options. You should also take the time to research your options and compare online car insurance quotes to save money.

By exploring different options, you can secure the coverage that fits your budget and driving history. Shop for affordable car insurance today with our free quote tool.