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The General Car Insurance Review 2020



The General, formerly known as Permanent General Agency, was founded in 1963 and is based in Nashville, Tennessee. There are also several physical locations throughout Louisiana. In 1997, the name officially changed to The General, and the brand made their mascot an animated military general who is known for saying, “For a great low rate you can get online, go to The General and save some time!” The company prides itself in bringing over 50 years of insurance experience. 

The General Insurance offers several types of automotive insurance coverage. Liability coverage pays for damages that the driver inflicts on someone else in an accident, while collision coverage pays for any damages done to the driver’s vehicle. Additionally, comprehensive coverage is for physical vehicle damage that isn’t a collision, such as vandalism and theft. Plus, personal injury protection (also known as PIP or no-fault insurance) is coverage for the driver as well as passengers or pedestrians who are affected by the collision, even if the driver is at fault. There’s also uninsured and underinsured motorist coverage that covers the driver in the event that an uninsured or underinsured motorist causes an accident. Furthermore, medical payment coverage foots the bill for medical expenses you or your family members get after an accident has occurred. 

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Other coverage options include rental reimbursement, which pays for rental car expenses if you have a loss under collision or comprehensive coverage. Custom equipment coverage also requires comprehensive and collision coverage, and covers custom equipment that has been damaged in an accident. There’s also 24/7 roadside assistance coverage that covers emergency services like towing, fuel delivery, lock-out service, and battery service. Another optional coverage that requires comprehensive and collision coverage is for towing and labor, which pays for the cost of towing your vehicle. 

According to The General, it only takes two minutes or less to get a quote, which is free and requires no commitment. You can also save your quote and come back to it at any time. Policyholders can get an auto insurance ID card, make policy changes, view policy documents, and make payments through The General’s MyPolicy online platform. A mobile app is also available that allows you to do all the same functions as the MyPolicy platform and take advantage of on-demand support where you can chat, email, call, request a call back, and get FAQ information. 

Shaquille O’Neal’s partnership with The General is a testament of what they stand for. Shaq chose The General when he was first starting his basketball career because they accept most drivers and have low monthly payments. The brand is known for providing good insurance to those with previous violations or accidents, in addition to coverage for younger drivers and those with bad credit. While most companies hike up the prices or reject coverage for high-risk drivers, The General offers reasonable starting rates for these folks. 

The company is also more than happy to work with anyone required to obtain an SR-22 certification to prove that they have the minimum amount of insurance required by their state. These could be people who have had several tickets or traffic violations, a revoked or suspended license, been convicted of a DUI, or had an at-fault accident while driving without insurance. However, the brand isn’t as ideal for those with clean driving records because several other insurance companies provide more discounts, additional types of policies, and quicker claim service. 

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