The General Car Insurance Review: Is It Truly as Good as It Claims to Be?

The General Car Insurance Review: Is It Truly as Good as It Claims to Be? 1

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The General Car Insurance, a company that has been in business for over 50 years, seems to be a reputable choice for drivers seeking affordable auto coverage. However, it’s essential to tread carefully before rushing into any agreement. In the highly competitive and sometimes shady world of auto insurance, skepticism isn’t just beneficial; it’s necessary.

Consumer reviews on BBB and Trustpilot paint an unsettling picture of The General, with customers expressing dissatisfaction over the company’s service quality and claim handling. Think about it: would you put your trust in a company with mixed reviews and a history of complaints?

With the significant role that car insurance plays in safeguarding your financial stability, it’s crucial to put your hard-earned money where it counts. So, buckle up as we take a deep dive into The General Car Insurance, where things may not be as General as they seem.

Company Background

The General Car Insurance

The General Car Insurance was established in 1963, originally under the name Permanent General Agency. Over the years, the company has made numerous transitions, with its most significant rebranding occurring in 1997 when it adopted its current name, “The General.”

The General has always aimed to make auto insurance accessible to all drivers, regardless of their driving history. Their memorable advertising campaigns, featuring a cartoon General and sometimes celebrities like Shaquille O’Neal, have certainly made them a well-recognized name in the industry.

However, despite their seemingly harmless and amusing public image, some customers’ experiences with The General have been far from positive. A variety of consumer complaints point towards a pattern of poor customer service and questionable claims handling. For instance, some customers have reported high premiums despite their good driving records, while others have struggled with slow claim responses and unresolved disputes.

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Movies like “Fight Club” used car accidents as a metaphor for personal transformation, but with The General, it’s more like a nightmare waiting to happen. A potential customer might be attracted by their low rates and the convenient online quote system, but as the saying goes, “all that glitters is not gold.”

The General Car Insurance Review: Is It Truly as Good as It Claims to Be? 2

In the auto insurance industry, The General’s reputation is a mixed bag. While they have succeeded in making a name for themselves with catchy jingles and widespread advertising, the real-life experiences of many customers cast a shadow of doubt over the credibility of their service. So, before you fall for their colorful advertisements, it’s important to remember – just like in the movies, things aren’t always as they seem.


The General Car Insurance Review: Is It Truly as Good as It Claims to Be? 3
Photo Credit: Medallion Media Group

The General Car Insurance offers a variety of insurance products aimed at meeting different driving needs. From liability coverage, collision and comprehensive insurance, to personal injury protection and medical payment coverage. They even provide useful add-ons like rental reimbursement and towing coverage. On the surface, it seems like The General has a comprehensive range of offerings, but when it comes to customer satisfaction, they seem to be struggling.

Reviews on BBB and Trustpilot highlight a number of concerns. First, despite their claim of offering ‘low-cost auto insurance’, many customers have complained about high premiums, especially compared to other insurance companies with similar offerings. Secondly, while The General claims to be accommodating of drivers with non-standard records, some customers have reported that their rates dramatically increased after a single accident or traffic violation.

In a recent poll asking users about their experience with The General’s claims process, the majority reported dissatisfaction, citing slow responses, unfair resolutions, and a lack of transparent communication. This paints a rather unflattering picture of The General’s service delivery, which is concerning given that insurance is supposed to provide a safety net during difficult times.

Furthermore, the company’s service delivery has been questioned in its handling of customer inquiries and complaints. The General’s customer service is often described as unresponsive, with many customers reporting difficulties in reaching representatives and obtaining helpful responses.

So, while The General may offer a wide range of products, the quality of their service and the satisfaction of their customers should be taken into account. Are their products truly as valuable as they claim, or is it merely a facade masking inadequate service provision? It’s a question worth considering. As the saying goes, “the devil is in the details” – and in the case of The General, those details could be far from satisfactory.

Risks and Controversies

general car insurance cost collision and comprehensive coverage
Photo Credit: Medallion Media Group

Delving into the risks and controversies surrounding The General Car Insurance, it seems that the company’s cute mascots and catchy jingles mask some serious issues. The General’s track record is checkered with customer complaints and dissatisfaction, raising valid concerns about the company’s ethics and practices.

  • Among the most common complaints are high premiums and poor claims handling. Customers have alleged that The General often charges higher premiums compared to other insurance providers for similar coverage. This is particularly concerning as the company’s main selling point is its affordability.
  • In terms of claims handling, there have been several accusations of The General denying legitimate claims or dragging out the claims process. An in-depth survey conducted among customers revealed widespread discontentment with the company’s claims service. Customers have reported feeling like they are in a bat-and-ball game where the company seems to be doing everything possible not to pay their claims.
  • Additionally, there have been several controversies involving The General’s handling of personal data. Customers have complained about their sensitive information being mishandled or used without their consent, which raises serious privacy concerns.
  • Finally, The General’s customer service has been consistently criticized for being unresponsive and unhelpful. Many customers expressed frustration at not being able to reach a representative when they needed assistance.

As a potential customer, these issues underscore the importance of approaching The General Car Insurance with caution. While the company may seem appealing due to its widespread advertising and seemingly low rates, the reality may be a far cry from what’s advertised. As the old saying goes, “buyer beware” – it’s crucial to thoroughly investigate any insurance provider before making a commitment.

The General Car Insurance Pros and Cons

Now let’s weigh the pros and cons of The General Car Insurance based on customer feedback and industry analysis.


  1. Easy Application Process: The General’s online quote system is straightforward and user-friendly, offering convenience to customers.
  2. Coverage for High-Risk Drivers: The company markets itself as a provider that’s willing to cover drivers who may struggle to receive insurance elsewhere due to a less-than-perfect driving record.


  1. High Premiums: Despite advertising low-cost auto insurance, many customers have reported higher than expected premiums. Compared to industry leaders like State Farm and Allstate, The General’s offerings may not provide the value for money they claim to.
  2. Poor Customer Service: Numerous reviews highlight unresponsive and unhelpful customer service, leaving many customers feeling unsupported and frustrated.
  3. Questionable Claims Handling: The General has faced criticism for its handling of claims. Customers have reported slow response times, unfair claim resolutions, and a lack of transparency.

Even when compared to other car insurance companies like Geico and Progressive, which have had their share of mixed reviews, The General seems to falter in key areas like customer service and claims handling.

In a nutshell, while The General Car Insurance may seem appealing at first glance, particularly for high-risk drivers, it’s crucial to take a step back and consider these significant drawbacks. High premiums, disappointing customer service, and questionable claims handling all combine to raise serious doubts about the true value of The General’s offerings. It’s always important to remember that all that glitters is not gold. With The General, it appears you may end up paying more for less, which is a bitter pill to swallow in any circumstance.


In conclusion, while The General Car Insurance has been around for several decades and made its mark in the industry through memorable advertising campaigns, the critical points raised in this review highlight notable concerns. From high premiums contrary to their claim of affordable insurance, poor customer service, to questionable claims handling practices, it’s clear that there are significant risks involved with choosing The General as your insurance provider.

In the world of auto insurance, it’s imperative to remember that your policy is more than just a piece of paper; it’s a commitment from the provider to protect you financially when the unexpected happens. Unfortunately, with The General, it appears that this promise may not hold the weight it should.

Therefore, before making any decisions, take a moment to explore our car insurance comparison chart. It’s a valuable tool that can help you find an insurance provider that not only fits your budget but also has a solid reputation for customer service and fair claims handling.

Just like in ‘The Fast and the Furious,’ where every choice on the road can lead to drastically different outcomes, choosing the right auto insurance can significantly impact your financial stability and peace of mind. Therefore, make your choice wisely, and remember, speed should never compromise safety or reliability.


1. How reliable is The General Car Insurance? While The General Car Insurance provides coverage for high-risk drivers that other companies may not insure, it has received mixed reviews. Some customers have reported difficulty in claims processing and customer service. Therefore, it’s crucial to thoroughly research and compare options before choosing this provider.

2. Are The General Car Insurance rates competitive? The General Car Insurance tends to cater to high-risk drivers, including those with poor credit or a history of driving violations. Due to this, their rates can be higher than other insurance companies. However, rates may vary based on individual circumstances and coverage options.

3. Does The General Car Insurance offer comprehensive coverage? Yes, The General Car Insurance does offer comprehensive coverage, including collision, liability, and uninsured motorist protection. However, their coverage may not be as extensive as some other insurance providers, and policyholders have reported high deductibles.

4. How is their customer service? Customer service at The General Car Insurance has received mixed reviews. Some customers have reported satisfactory experiences, while others have faced issues with unresponsive service and difficulty in processing claims.

5. Does The General Car Insurance offer discounts? The General Car Insurance does offer various discounts, such as multi-car, safe driver, and military discounts. However, these discounts may not be as substantial as those offered by other insurance companies.

6. What is the process for filing a claim with The General Car Insurance? To file a claim with The General Car Insurance, one must either call their claims hotline or file online. However, some customers have reported issues with the claims process, including delayed response times and unsatisfactory settlements.

7. Does The General Car Insurance cover high-risk drivers? Yes, The General Car Insurance is known for insuring high-risk drivers who may have difficulty obtaining coverage from other providers. However, this coverage comes at a higher cost.

8. How does The General Car Insurance compare to other auto insurers? On a broad level, The General Car Insurance tends to have higher rates due to their focus on high-risk drivers. Additionally, their customer service and claims processing have received mixed reviews. Therefore, it may not be the best choice for those with a good driving record or who value customer service.

9. Can policies from The General Car Insurance be customized? Yes, policies from The General can be customized to an extent. However, their offerings may not be as diverse or flexible as other providers. Policyholders have reported high deductibles and limitations on coverage.

10. Does The General Car Insurance offer any unique features? The General Car Insurance provides a mobile app that allows policyholders to manage their account, make payments, and file claims. They also offer SR-22 forms for high-risk drivers. However, these features are fairly standard in the auto insurance industry.

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