The General Review

The General helps you design and purchase a policy quickly and efficiently, but missing coverage options put it well behind the leaders in the industry.

Get Quotes

The Good

Easy to Get Started

Getting an auto insurance quote from The General is fast and easy with its online quote tool. Just answer a few simple questions about yourself, your driving history, and the vehicle or vehicles you want to insure, and you’ll have a quote within a few minutes. You can then proceed to purchase your policy directly online and print off your insurance cards. If you’d like to speak to an agent at any point during the process, you can always use the live chat on the website or contact The General by phone.

Helps out Until Your Car Is Back on the Road

The General offers roadside assistance, so if your car breaks down or even if you just run out of gas, someone will be there to assist you. It will also pay to tow your car to a repair facility if the situation can’t be fixed at the scene. If your car is going to be in for repairs for a while, you can just pick up a rental car in the meantime and The General will reimburse you for it.

Manage Your Policy Online

If at any time after your initial purchase you need to make a change to your policy, you can do so simply by going to your online account and making the necessary changes. You don’t have to speak to a representative first. You can add a driver to your account, or add or replace a vehicle all with just a few clicks. You can also update your billing information from here and switch over to paperless billing if you’d like.

The Bad

Subpar Coverage Options

You can get your typical liability coverage, along with collision and comprehensive coverage for your car, through The General, but there are still a few common options that are missing, including GAP insurance. This helps pay for the difference between the value of your car and the amount left on the balance of your loan if your car should ever get totaled. If you’re just looking for your basic auto insurance, these missing coverage options may not be a problem, but if you’re looking for complete protection against whatever might come your way, there are probably other auto insurance companies that would be better suited for you.

No Accident Forgiveness

The General does not have an accident-forgiveness program, so if you do happen to get into an accident, you can expect your rates to increase. This is rather strange because most auto insurance providers don’t penalize you for a single accident, especially if it’s been a long time since you filed a claim. The General is known as a discount auto insurer so don’t be surprised to see a lower initial policy price with higher rates for accidents.

Must Call to File a Claim

The only way you can file a claim with The General is by phone, which is pretty unusual because almost all other auto insurance providers offer at least an online claim-filing option. The General does have a 24/7 claims center, so you’ll still be able to speak to a real person and get the claims process started quickly.

The Details

Financial Strength

  • A.M. Best FSR Rating: A-
  • A.M. Best ICR Rating: a-
  • Moody's Rating: N/A
  • Standard & Poor's Rating: N/A

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