The General Insurance is a subsidiary of PGC Holdings Corp., which is owned by American Family. PGC Holdings Corp., which stands for Permanent General Companies, was purchased by American Family in 2012 for $239 million. However, The General is still maintained as a separate brand. The General specializes in insuring drivers who are considered high risk.
American Family Insurance was founded in 1927 and is headquartered in Madison, Wisconsin. It operates as a private mutual holding company owned by its policyholders.
Yes. The General Insurance is a good company. The General has been in business since 1963, and it currently has an A+ rating from the Better Business Bureau (BBB) as well as an average rating of 3.2/5 among user ratings on WalletHub. Its NAIC rating is 1.21, however, which means The General has received more complaints than the average car insurance provider its size.… read full answer
Why The General Insurance Is A Good Company:
In business since 1963
A+ rating with the Better Business Bureau
4.3/5 average among user ratings on WalletHub
Easy to use website
The General Automobile Insurance Services, Inc., as it is officially known, is a licensed insurance agency and a subsidiary of PGC Holdings Corp., which is an affiliate of American Family Insurance. The General specializes in high-risk auto insurance policies but also offers renters insurance, life insurance and other types of coverage. Plus, you can bundle policies from The General for extra savings. You can get a free quote on a policy by contacting an agent with The General Insurance at 1-866-519-7422.
Finally, this doesn’t make The General a good insurance company, but it’s still a fun fact that former NBA basketball star Shaquille O’Neal is a spokesperson for them.
Yes, you can get cheap car insurance from The General. Car insurance from The General costs $2,312 per year on average, according to WalletHub’s research. That’s cheap compared to other nationwide car insurance companies, ranking 4th out of the 46 insurers WalletHub compared. However, it may not be the cheapest or best insurance for everyone. Since The General focuses on selling minimal coverage to high-risk drivers, the company offers fewer discounts and coverage options than mainstream insurance providers. In addition, they have higher-than-average complaint numbers. For these reasons, experienced drivers with clean records are likely to find better and cheaper insurance with other companies.… read full answer
The General sells all the common types of coverage, including liability, medical payments, uninsured/underinsured motorist, and comprehensive and collision. Their low-down-payment options will help if you’re budget conscious. However, you won’t get many options when it comes to discounts. They have a good-student discount, a non-court-mandated driver training discount, and a transfer discount for switching to The General from another company. Their military discount is very limited – it applies only to full-time active personnel based in Louisiana.
The bottom line is that it may be worth getting a quote from The General’s website if you are a new driver or have violations or accidents on your record. It’s always smart to shop around – so be sure to get quotes from other companies and compare.
Yes, The General will pay for windshield replacement or repair services for customers who have comprehensive coverage, though a deductible will apply unless state laws or policy details say otherwise. Comprehensive insurance from The General covers windshields damaged by weather, vandalism and theft, among other things.
In some states, specific laws govern whether customers will need to pay their deductible for windshield repairs or replacement. For instance, in Florida, Kentucky, and South Carolina, insurers cannot charge a deductible for windshield repairs or replacement. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota and New York must offer a "full glass coverage" policy that allows customers to choose a $0 deductible for glass repairs.… read full answer
On the other hand, if the windshield was damaged in an accident and the policyholder was at-fault, The General customers can file a collision claim, though their exact policy details will determine if they need to pay a collision deductible. And if the policyholder was not at-fault, the at-fault driver’s liability insurance should cover the damage without a deductible.
If you’re not sure whether you will need to pay a deductible for windshield replacement, you can check your policy details or call The General’s customer service line at 1 (800) 280-1466. To file a claim for windshield repair or replacement, you can use The General’s claims phone number.
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