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The General focuses exclusively on auto insurance, and the company’s rates are among the lowest in the industry. Drivers are able to get quotes anonymously, and can also typically get proof of insurance the same day. The low cost and convenience come at a price, as The General lacks the bells and whistles of other auto insurance companies. Certain drivers have reported that their rates went up at their policy renewal without any reason.

Speed and efficiency, at least during the quote process, are hallmarks of The General. It takes only a couple minutes to go to the company’s website, enter basic information, and get an insurance quote. If you like what you see, you can buy the policy and print your proof of insurance.

The initial quote is only for the minimum accepted coverage in your state, which in many states is solely liability insurance. The General offers more extensive coverage, such as collision and comprehensive coverage, but it doesn’t have a few popular auto insurance options, such as accident forgiveness.

Accidents are one area where The General doesn’t perform well. Unlike most auto insurance companies, The General doesn’t have an online claims process, so you have to call the company to make a claim. There is a 24-hour claims center, but drivers have been critical of The General’s phone representatives. Rates tend to go up significantly if you get in an accident, even if it’s your first accident since you’ve had The General.

In terms of billing, The General is subpar. The company does offer discounted rates for paying in advance (six or 12 months in advance in most states). However, the company has a strict cancellation policy with a fee, even if you cancel immediately after getting the insurance. Drivers have also reported having their policies cancelled without their knowledge.

Contacting The General via phone can be problematic. Both customers of the company and drivers who have been involved in accidents with someone covered by The General have reported difficulties getting in touch with representatives and dealing with them. Multiple drivers have reported that they had to leave multiple messages and wait weeks for a call back for claim issues.

Overall, the adage “you get what you pay for” accurately describes auto insurance with The General, which is essentially a discount auto insurance company. If you don’t have the best driving record, you can get low-cost coverage through The General, just don’t expect much in the way of perks. If you have a good driving history, you can get better service through other companies.