General Car Insurance Reviews: A Comprehensive Guide

Car insurance is an essential investment for every car owner. It provides financial protection in case of accidents, theft, or damage to the car. However, with so many insurance companies in the market, it can be challenging to find the right one for your needs. This article offers a comprehensive guide to General Car Insurance reviews to help you make an informed decision. We cover the company’s history, coverage options, pros and cons, and customer reviews.

History of General Car Insurance

The General Car Insurance was founded in 1963 as Permanent General Agency. The company offers affordable car insurance for high-risk drivers, those who have a history of accidents, DUIs, or speeding tickets. The General Car Insurance is owned by American Family Insurance and operates in 47 states. It has an A- rating from A.M. Best, which indicates excellent financial stability.

The company’s headquarters are located in Nashville, Tennessee. It has over 4,000 employees and over 500 agents. The General Car Insurance has received several awards and recognition for its exceptional customer service, including the J.D. Power Award for Customer Satisfaction in 2020.

Coverage Options

The General Car Insurance offers various coverage options that cater to the needs of high-risk drivers. These include:

The General Car Insurance also offers optional coverage options such as roadside assistance, rental reimbursement, and custom equipment coverage. However, these options may vary by state and policy.

Pros and Cons of General Car Insurance

Pros:

The General Car Insurance is an excellent option for high-risk drivers who struggle to obtain car insurance from traditional companies. Some of the advantages of General Car Insurance include:

• Affordable Rates: The General Car Insurance offers some of the most competitive rates in the market. It caters to drivers with a poor driving record and offers flexible payment options.
• Quick Quotes: You can get a quote from the General Car Insurance in less than five minutes. You only need to provide your basic information, car details, and driving history.
• Good Customer Service: The General Car Insurance has an A+ rating from the Better Business Bureau for its exceptional customer service. It has a 24/7 customer support team that handles claims and inquiries.

Cons:

General Car Insurance has some downsides that you need to consider before signing up for their policy, including:

• Limited Coverage Options: The General Car Insurance only offers basic coverage options. If you need comprehensive coverage, you may need to look for other insurance companies.
• Limited Availability: The General Car Insurance is not available in all states. If you live in a state where the company doesn’t operate, you need to look for other options.
• Mixed Customer Reviews: The General Car Insurance has received mixed reviews from customers. While some praise its affordable rates and good customer service, others complain about the slow claims process and poor communication.

Customer Reviews

The General Car Insurance has received mixed reviews from customers. On the Better Business Bureau website, the company has an average rating of 1.14 stars out of 5, based on 569 customer reviews. Some customers complain about the long wait time for claims processing, poor communication, and unresponsive customer service. However, others praise the company for its affordable rates, flexible payment options, and easy-to-use website.

On Trustpilot, the General Car Insurance has a rating of 3.7 out of 5, based on 7,024 customer reviews. Some customers commend the company for its affordable rates, quick quotes, and friendly customer service. However, others criticize the slow claims process and the lack of transparency in policies and fees.

FAQs

1. How do I get a quote from the General Car Insurance?

You can get a quote from the General Car Insurance by visiting their website, calling their toll-free number, or contacting one of their agents. You need to provide your personal information, car details, and driving history.

2. What payment options does the General Car Insurance offer?

The General Car Insurance offers several payment options, including monthly, bi-annual, and annual payments. You can also use credit cards or electronic funds transfer (EFT) to pay your premiums.

3. Does the General Car Insurance offer roadside assistance?

Yes, the General Car Insurance offers roadside assistance as an optional coverage option. You need to add it to your policy and pay an extra fee.

4. Which states does the General Car Insurance operate in?

The General Car Insurance operates in 47 states, including Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

5. Can I cancel my General Car Insurance policy?

Yes, you can cancel your General Car Insurance policy at any time. However, you may need to pay a cancellation fee and forfeit any unearned premiums. You need to contact the company’s customer support team to initiate the cancellation process.

Conclusion

The General Car Insurance is a good option for high-risk drivers who need affordable rates and flexible payment options. However, you need to consider its limited coverage options and mixed customer reviews. Before signing up for its policy, make sure you compare it with other insurance companies and read customer reviews.