The General – An Overview

The General is a web-based company that offers auto insurance. The company (also known as The General Automobile Insurance Services) is a subsidiary of the PGC Holding corps and has its physical store locations restricted to Louisiana. Buyers can however contact and access the company online from anywhere in the country. The insurance policies offered by The General are exclusively offered online and can be completed within minutes.

 

The General –History

The General is a subsidiary of a parent insurance company, PGC, which began selling insurance in 1963. The General was launched more recently and is recognized as being one of the first companies to exclusively offer online insurance. Clients can purchase polices using the site’s 3 step online application which includes quotation request, a policy purchase step and a provided proof of insurance (via print). The company’s uses an army general as its mascot alongside the slogan “For the best car insurance rates online, go to The General and save some time!”

Where many insurance companies have branched out into other investment markets, The General is dedicated as an automobile underwriter. Other types of coverage, including vehicle financing, may be obtained through partner companies that are listed on The General’s website. One such affiliate is an exclusive insurer of Mexican owned and operated vehicles.

The company specializes in new drivers, and those who are considered to be high risk. This includes people who have had DUI convictions, traffic violations, or have allowed their coverage to lapse with other agencies. The General offers very low down payments and affordable monthly payments that are designed to fit the widest range of budgets. The General also has a plan to extend coverage to drivers who are using a rented or borrowed vehicles, as well as covering persons who may borrow a vehicle which is covered. Discounts are offered for safe drivers, as well as person in professional and emergency service vocations.

The company website provides links to insurance related information, including vehicle and car seat recalls, crash test results, and the American Automobile Association (AAA). A local agent locater is also available for those who prefer to purchase through a physical location.

Financially, the company is small but stable, rated by A.M. Best as excellent, with an overall net worth between 100 and 250 million dollars. Customer satisfaction ranges between average and good.

The General – Differentiating Factors

Unlike some insurance companies, people with poor credit or a bad driving record can still expect to find decent auto insurance rates at The General. Customers can also save some money by taking advantage of The General’s auto insurance discount which is significantly lower than those offered by competition. The company offers a support package that allows customers choose a flexible payment plan for their needs. The General is always available online and provides quick and anonymous insurance quotes when as requested. The General offers support to its customers who need SR22 filing. Insurance policies are sold online, providing a quick and convenient sales approach.

The General – let’s hear what their customers say

Clients of The General have varying views about the performance of the company. Most clients are delighted with the fact that they are able to secure fairly decent rates despite their marred driving history or accident record. People with lapses in their insurance plan can also successfully purchase policies. The flexible payment structure of the site is also an attractive feature with most customers.

However, some customers have complained about the slow delivery of promised services. Other have observed that the company customer service is weak, with many of the agents being unfriendly or failing to return client phone calls

The General Company Information

Parent Company:
Permanent General Assurance Corp. (PGC)

Subsidiaries:
Permanent General Assurance Corporation
Permanent General Assurance Corporation of Ohio

Lines of Insurance:
Vehicle Coverage: Car/truck/van
Other Coverages: Partnership/Affiliate only

Coverage Options:

  • Bodily Injury and Property Damage Liability
  • Uninsured / Underinsured
  • Collision
  • Comprehensive
  • Medical Payments
  • No Fault

Licensed to sell insurance in:
AZ, CA, CO, FL, GA, IL, IN, LA, MO, NV, NY, OH, PA, SC, TN, TX, VA, WI

A.M. Best Company Rating: A-
(Rating Explained)

Conclusion

The General is a convenient option for people who are finding it difficult securing affordable auto insurance rates because of their driving or credit history. It is also a good option for people looking for quick insurance. In the short span since its launch, The General has made quick strides. However, a weak customer service and narrow product offering currently make it an average insurance company.

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