Permanent General Auto Insurance Review (2024)

Permanent General Assurance Corporation, known as The General, caters to high-risk drivers struggling to find car insurance with a standard company. PGAC insurance rates average $232/mo for full coverage. Read our Permanent General auto insurance review to see coverage options, average rates, and customer reviews.

UPDATED: Aug 17, 2024Fact Checked

Alexandra Arcand

Insurance and Finance Writer

Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...

Insurance and Finance Writer

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Aug 17, 2024

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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Aug 17, 2024

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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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.

UPDATED: Aug 17, 2024Fact Checked
3.6
autoinsurance.org

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Permanent General Assurance Company (The General)

Average Monthly Rate For Good Drivers

$232

A.M. Best Rating:

A-

Complaint Level:

Low

Pros

  • Permanent General specializes in high-risk auto insurance, such as non-standard and specialty automobile insurance
  • You also have the ability to make payments online under the MyPolicy Self Service section of the site
  • Permanent General maintains a rating of A- with A.M. Best

Cons

  • Has higher-than-average rates, since it covers high-risk policyholders
Permanent General Assurance Company (PGAC) is a subsidiary of Peapack Gladstone Financial Holding Corporation and specializes in non-standard and specialty auto insurance for high-risk drivers Permanent General has an A.M. Best rating of A- (excellent). Permanent General Auto Insurance is officially called the Permanent General Assurance Company (PGAC) and was established in 1987. PGAC, along with Permanent General Assurance Company of Ohio, and The General Auto Insurance Company, is a subsidiary under the Peapack Gladstone Financial (PGC) Holding Corporation umbrella. Permanent General offers coverage in 22 states at this time. They specialize in high-risk auto insurance, such as non-standard and specialty automobile insurance. These types of auto insurance coverage are intended for high-risk drivers. High-risk drivers include new, inexperienced drivers, as well as drivers who have been dropped by their prior insurance company because of excess tickets, accidents, DUIs, or lapses in coverage. Read on to learn more about Permanent General auto insurance, how to submit Permanent General Claims, and how to contact Permanent General customer service. Compare auto insurance quotes online by entering your ZIP code now.

The Permanent General Insurance Corporation, more commonly known as The General, specializes in high-risk auto insurance for drivers who can’t get coverage with standard providers. You can get coverage with the Permanent General Insurance Company in 46 states and Washington, D.C., with full coverage auto insurance rates averaging $232/mo.

High-risk drivers include new drivers or drivers who were dropped by their prior insurance company due to excess tickets, accidents, DUIs, or coverage lapses.

Our Permanent General auto insurance review explains all you need to know about PGAC insurance claims handling, average rates, and customer service.

For sales questions, the Permanent General auto insurance phone number is 1-844-328-0306. The Permanent General Assurance group claims phone number is 1-800-280-1466.

To compare your The General auto quote vs. top providers, enter your ZIP code into our free quote tool above to get started.

What You Should Know About The General Auto Insurance

Permanent General auto insurance, officially known as the Permanent General Assurance Company (PGAC), was established in 1987 and later became known as The General.
PGAC, the Permanent General Assurance Corporation of Ohio, and The General are all PGC Holdings, Inc. subsidiaries. In 2012, American Family purchased PGC Holdings, Inc.

PGAC auto insurance is sold by independent agents across the United States. If you're interested in selling their insurance, there's an application available online which must be submitted to Permanent General before you're eligible to sell their insurance.

Michelle Robbins Licensed Insurance Agent

You can find a Permanent General Assurance Insurance Company agent by clicking on the “Agent Locator” on the Permanent General website. Simply enter your address, city, state, ZIP code and choose the mile radius you are willing to travel.

The agency names, addresses, phone numbers, email addresses, and maps will appear so that you can choose an agency convenient for you.

If you have any questions about coverage options, the Permanent General Insurance Corporation phone number is 1-844-328-0306. For existing policyholders looking to file a claim, the Permanent General claims phone number is 1-800-280-1466.

Keep reading for a full review of Permanent General auto insurance. Since they’re the same, we’ll also give you a The General auto insurance review.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Permanent General Insurance Company Average Rates

While we don’t have auto insurance rates for Permanent General, you can check out average rates with The General since they’re the same.

To see how The General/Permanent insurance rates compare, check out the average rates for full coverage from the top providers here:

One factor that can impact your auto insurance rates is your driving history. The chart below shows rates for 45-year-old drivers with clean driving histories vs. those with an at-fault accident, traffic ticket, or DUI.

Hover over each state below to see the average annual full coverage auto insurance rate for that state and get an idea of what you could pay for Permanent General insurance.

Of course, these rates don't represent what you'll actually pay for coverage. The only way to know is to evaluate auto insurance quotes from several companies.

Permanent General Assurance Corp: Customer Service and Financial Ratings

Permanent General maintains a rating of A- with A.M. Best.

Permanent General offers its policyholders customer service by promoting the submission of comments on their website. They have provided an online form with blank fields for questions and concerns that the policyholder can ask or make.

Once submitted, it is sent to the person who is most likely able to answer the question, concern or comment.

Another area in which Permanent General gives good customer support is in the frequently asked questions section of the website. The site breaks down the questions into three categories: general questions about auto insurance, questions about insurance premiums, and what to do if you find yourself in an accident.

Permanent General insured drivers can also view their account on the company website. You can see who is covered on your policy and details of your coverage as well as make policy changes.

You also have the ability to make payments online under the MyPolicy Self Service section of the site.

You can contact a PGAC insurance company representative by sending a physical letter to The General auto insurance address:

P.O. Box 305054
Nashville, TN 37230-5054

You can also call the Permanent General Assurance Corporation phone number at 1-844-328-0306.

How to File Permanent General Auto Insurance Claims

Permanent General Assurance Corporation claims can be physically sent or phoned in to The General.

To send a claim in the mail, the address for The General insurance company is:

P.O. Box 305195
Nashville, TN 37230-5195

Alternatively, the Permanent General Assurance Corporation claims phone number is 1-800-280-1466.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

How to Find Permanent General Car Insurance Careers

Careers with Permanent General auto insurance can be found on the company website. Internal postings are also available on the site. There are two ways to apply for jobs at Permanent General.

First, interested individuals can enter a keyword for openings as well as location, category and position type.

Second, potential employees can search the “Open Job Positions” on the site. The title, location, and date of posting will appear on the “Job Listings” page.

Individuals who have applied for jobs before can return to the site to edit personal information or see jobs already applied for within the company.

Referrals for positions are encouraged and can be submitted on the website within the employment opportunities section.

For any questions, contact the Permanent General phone number at 1-844-328-0306.

Keep reading our Permanent General/The General car insurance review to learn about coverage options.

The General Auto Insurance Coverage Options

There are several types of auto insurance coverage options available. The different types of coverage include:

Liability auto insurance protects the insured from property damage or personal injury claims. Each insured has the option of choosing the amount of coverage desired as long as the insured’s coverage meets state requirements.

Additional coverage can also be purchased through Permanent General, like towing and labor and car rental insurance.

For any questions about these coverage options, the Permanent General car insurance number is 1-844-328-0306. For existing auto insurance policyholders, the PGAC insurance claims phone number is 1-800-280-1466.

Start shopping around for high-risk coverage by entering your ZIP code into our free quote comparison tool below and see if the Permanent General Assurance Corp is your best choice.

Frequently Asked Questions

What are the affordable Permanent General auto insurance benefits?

Permanent General believes that, regardless of your driving history, you should be able to receive good, affordable insurance. The company offers low down payments and monthly payment options. Payments can also be made with a credit card or on the website.

Who is PGAC insurance?

So, what insurance company is PGAC? The Permanent General Assurance Corporation, often referred to as The General, is an insurance company that specializes in providing affordable auto insurance coverage for drivers. They offer a range of coverage options to meet the needs of different drivers and vehicles.

Is Permanent General Assurance the same as The General?

Yes, the Permanent General Insurance Co and The General are the same. As of 2012, Permanent General and all affiliated companies merged into The General brand.

For questions, The General auto insurance phone number is 1-844-328-0306.

Is Permanent General auto insurance a reliable company?

Yes, the Permanent General Companies Inc have been in business for several years and is a reputable insurance provider. They are known for their affordable rates and focus on insuring high-risk drivers who may have difficulty obtaining coverage elsewhere.

What types of auto insurance coverage does Permanent General offer?

Permanent General auto insurance offers a variety of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. They also offer additional features like roadside assistance and rental car reimbursement.

To file a claim, the Permanent General Assurance claims phone number is 1-800-280-1466.

How can I get a quote for auto insurance from Permanent General?

To get a quote from Permanent General auto insurance, you can visit their website or call their customer service hotline. They will ask you for relevant information such as your personal details, vehicle information, driving history, and coverage preferences. Based on this information, they will provide you with a quote tailored to your needs.

Can I purchase Permanent General auto insurance online?

Yes, Permanent General auto insurance allows you to purchase your insurance policy online. Their website provides a user-friendly interface where you can enter your information, customize your coverage, and complete the purchase process.

Does Permanent General auto insurance offer discounts?

Yes, Permanent General auto insurance offers various discounts to help customers save on their premiums. These discounts may include safe driver discounts, multi-car discounts, homeowner discounts, paid-in-full discounts, and more. The availability of specific discounts may vary based on your location and other factors.

What is the Permanent General Assurance Corp claims phone number?

The Permanent General Insurance Corporation claims phone number is 1-800-280-1466.

Does Progressive own The General?

No, The General is a PGC Holdings Corporation subsidiary, which was bought by American Family in 2012.

Is The General good insurance?

The General is a reputable car insurance provider with an A rating from A.M. Best, and good reviews from customers. You should check out reviews for The General in your area to ensure the company is right for you.

For example, Indiana drivers should evaluate several reviews from customers of The General car insurance in Indiana. Alternatively, Ohio drivers might see different reviews, making it important to check out reviews for the Permanent General Assurance Corp of Ohio.

Read More:

What is the Permanent General Assurance Corp of Ohio claims phone number?

So, what is the PGAC of Ohio claims phone number? The Permanent General Assurance Corp of Ohio phone number for claims is 1-800-280-1466.

What is the Permanent General Assurance Corporation of Ohio phone number for customer service?

So, how can I get in touch with PGAC of Ohio Insurance? The Permanent General Assurance Corporation of Ohio phone number is 1-844-328-0306.

Alexandra Arcand

Insurance and Finance Writer

Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...

Insurance and Finance Writer

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

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

Reviews
for The General Auto Insurance

3.58 (823 reviews)
5
February 16, 2022

Glarison

Great company I'm riding with shack

Great customer service. Very helpful they explained everything in detail and had the best rate I would recommend them to anyone
5
December 30, 2021

HWalla

Quick and thorough

I did the entire process online and received my quote within minutes. The company was quick to respond and provided me with my policy documents immediately
5
October 8, 2021

Kasarah90

Quick and affordable would recommend

My car broke down on my way to work and I had just purchased another car but did not have insurance, tags, or taxes paid yet. The car the broke down was unfixable so while waiting on a tow truck I called the General to get a quote for the other car. The process was simple and I didn't have to wait to speak to a representative. I gave all the required information and had a reasonable quote from the representative in less than 20 minutes. I made th...
My car broke down on my way to work and I had just purchased another car but did not have insurance, tags, or taxes paid yet. The car the broke down was unfixable so while waiting on a tow truck I called the General to get a quote for the other car. The process was simple and I didn't have to wait to speak to a representative. I gave all the required information and had a reasonable quote from the representative in less than 20 minutes. I made the payment over the phone and bam the car was insured before the tow truck arrived. the quote was cheaper than I thought and the monthly payments were reasonable. When I turned down roadside assistance and life insurance the representative was not pushy. I would 100% recommend The General car insurance.
5
March 17, 2021

mcgowanjr60_henry_yahoo_com

The Lion of the Jungle

I’m just gonna be honest I don’t think there is a better company out there that can completely understand what you need and offer you simply a caring agent and just what need and nothing more except a perfect price to match only the General
5
February 26, 2021

Bentot

Lower monthly rate

This is the only insurance company can lower my monthly premium compare to all insurance company. Like others general easy to deal with.
1
January 17, 2021

Junglezx_3

High Insurance

Their price was very high. We shopped around for other insurance after a month and the price increased.
4
January 8, 2021

bwaryasz2012

You get what you buy!

This was a relatively easy purchase to make, I would really give them 4.8 stars however the review platform wouldn't let me do that so I was forced to go slightly lesser. Let's talk about the why? The big issue, I have multiple cars that I wanted to list on the policy and quote and it only accepted and applied for one of the vehicles. When I logged into the app it linked to my old policy only telling me that it couldn't link my new policy, whic...
This was a relatively easy purchase to make, I would really give them 4.8 stars however the review platform wouldn't let me do that so I was forced to go slightly lesser. Let's talk about the why? The big issue, I have multiple cars that I wanted to list on the policy and quote and it only accepted and applied for one of the vehicles. When I logged into the app it linked to my old policy only telling me that it couldn't link my new policy, which meant having to call in and have the entire profile reset and redoing the process all again. Mind you my insurance was still good. (loss of 1/5 star) Then when my app was fully set up and ready to go again I can't add the other vehicle to the policy as a means of simplifying the bill. When I attempted to contact the company the virtual assistant wouldn't transfer me to a real agent and didn't have the ability to understand my request. (loss of 1/5 star)
5
January 7, 2021

goog39826_

Thank you for great service!

I am very pleased with my Geico premium. Out of ALL the 12 quotes I received Geico was by far the best. I searched for several days and I could not find any better rate then Geico.. What I think is even better is that it was all done without talking to anyone on the phone. Thank you Geico
3
January 7, 2021

Jessbell19

Poor customer service

Poor customer service while reviewing terms and conditions of policy. Lack of knowledge of the policy changes and updates.
1
December 29, 2020

counterstrike1911

The general will generally treat you like crap and rip u off

The General had horrible customer service and treated me like crap after having to file 2 claims on 2 accidents one of which was not my fault and was a tiny paint scuff. And they then doubled my rates and continued to make paperwork for the claims take months it took me over 2 months to get my car back from the shop and the repair shop said they had spent months not being able to work on the car till they got the go ahead from the general. All in...
The General had horrible customer service and treated me like crap after having to file 2 claims on 2 accidents one of which was not my fault and was a tiny paint scuff. And they then doubled my rates and continued to make paperwork for the claims take months it took me over 2 months to get my car back from the shop and the repair shop said they had spent months not being able to work on the car till they got the go ahead from the general. All in all they were the worst insurance company ever!
↑ Back to Top

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your https://staging.autoinsurance.org account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption