Laura Berry is a former State Farm insurance producer and insurance expert.

Full Bio →

Written by

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, mainly in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 15, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

This review of The General Car Insurance Company is intended to give you background information that will make comparing car insurance companies a bit easier.

When finances are tight, it is time to reassess the allocation of income. Although some unnecessary expenses can be eliminated from the budget, car insurance is not one of them. Therefore, the General Car Insurance Company offers some options.

The General is a licensed car insurance agency based in Nashville, Tennessee. The company is known for offering auto insurance to the high-risk driver. 

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

To get comparison car insurance quotes, enter your zip code above right now!

What insurance products does The General Car Insurance offer?

People who have difficulty obtaining insurance with the major insurers can get affordable car insurance coverage with The General.

Standard coverage options include bodily injury liability, property damage liability coverage, uninsured/underinsured motorist coverage, medical payments, personal injury protection, comprehensive coverage and collision coverage. Extra coverage options include: rental reiumbursement, custom equipment protection, roadside assistance, and deductible waiver. 

Other specialty auto insurance are non-owner policies, rideshare coverage, and Mexico auto insurance. 

Those who might fall under these circumstances might be a good candidate for The General auto insurance coverage:

  1. Lapse in policies
  2. Low credit score
  3. More than three points on driving record
  4. Been in an accident
  5. Multiple cars
  6. In need of SR-22
  7. DUI/DWI

For many, high-risk insurance coverage is just too expensive! The General offers low down payments and affordable insurance premiums. The auto insurance provider is one of the best sources of insurance for high-risk driver with a history of accidents and driving violations looking for cheap car insurance rates.

The General offers onlu auto insurance coverage so there is no option to bundle it with homeowners insurance or other policies. 

Enter your ZIP code below to compare car insurance company rates.

 Secured with SHA-256 Encryption

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 an auto insurance policy. In addition, the low premiums make it affordable to stay in compliance with mandatory insurance. However, some have had problems with estimates received by the company, while others have had issues with turnaround 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 Corp. is offered in 18 states throughout the country. Those states that do not have The General as an option redirect inquiries to a licensed company to do business in that state. The website does not require personal information to receive a quote. However, 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 rules of each state. In addition, customer 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 vital to know when deciding on who will best suit your insurance needs.

Enter your ZIP code below to compare car insurance company rates.

 Secured with SHA-256 Encryption

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)
  • Zipcode
  • Number of drivers
  • Credit history

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

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

How can I save money with The General Car Insurance?

Not too many people 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, 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 two 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.

Put in your zip code and click on the search tool to get multiple car insurance quotes now!