Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Jul 14, 2021

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This review of The General Car Insurance Company is intended to give you background information that will make the job of comparing car insurance companies a bit easier. When finances are tight it is time to reassess the allocation of income. Although there are some unnecessary expenses that can be eliminated from the budget, car insurance is not one of them. The General Car Insurance Company offers some options.

PGC Holdings Corporation, the parent company of The General Car Insurance, has been in the business of writing policies for 40 years. They specialize in car insurance almost exclusively. Forty years ago they started out as Ingram subsidiaries in media and insurance. They are just starting to offer some health insurance options. Their experience in the field of insuring cars and other vehicles paved the way for their ability to offer affordable rates.

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What does The General Car Insurance offer?

People who have a difficult time obtaining insurance with the major insurers are able to get affordable car insurance with The General. Those who might fall under these circumstances might be a good candidate for The General coverage:

  1. Lapse in policies
  2. Low credit score
  3. More than 3 points on driving record
  4. Been in an accident
  5. Multiple cars
  6. In need of SR22
  7. DUI/DWI

For many, high risk coverage is just too expensive! The General offers low down payment and affordable premiums.

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What are people saying about The General?

Most people seem to be satisfied with doing business with The General. They like the low down payment which makes it easy to establish a policy. The low premiums make it affordable to stay in compliance with mandatory insurance. Some have had problems with estimates received by the company, while others have had problems with turn around time. Other criticisms include customer service issues, and the lack of optional plans.

Does The General offer insurance throughout the US?

This subsidiary of PGC Holdings is offered in 18 states throughout the country. Those states that do not have The General as an option redirect inquiries to a company that is licensed to do business in that state. The website does not require personal information to receive a quote. General information is enough to start the process.

Who regulates The General Car Insurance?

Every state has its own set of regulations. If an insurance company is licensed in several states, they have to comply with the regulations of each state. Complaints filed against any insurance company have to be filed within the state where the policy was issued. More reviews for The General can be found online. This information is important to know when deciding on who will best suit your insurance needs.

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How much is the average policy with The General?

The average policy will depend on several factors. It is hard to quote an average because every policy is different while based on different circumstances like:

  • Make and model of vehicle
  • Features
  • Club affiliations (e.g. AAA)
  • Safety features (e.g. side airbags)
  • Zip code
  • Number of drivers
  • Credit history

The type of car still makes a difference in an insurance rate. Turbo and engine features have impact on the rate, as well as safety features such as additional air bags.

The age and number of people who will be driving the car is always taken into consideration. One of the most heavy considerations is credit. Insurance companies even have a score grid that they use to determine the premium rate based on the credit score.

How can I save money with The General Car Insurance?

There are not too many people who would not want to do whatever it takes to save money on their premiums. If a DUI class or class for teenage drivers will save a few bucks, it is worth it. People do not have to wait on the judge to mandate a class to take one. For around $70 dollars a DUI class may remove as many as 3 points from a driver’s record.

Teen classes teach the importance of driving with no more than 2 passengers in a vehicle at one time. It also discourages texting while driving, and the use of other handheld devices. They get a lesson on the consequences of drinking while driving also. Some are taken to a crash site or propped site to get a sense of what could happen.

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