Permanent General Auto Insurance Review (2021)

Looking at Permanent General Auto Insurance? Permanent General believes everyone should qualify for good, cheap auto insurance no matter your driving history. They specialize in non-standard insurance for high-risk drivers, and hold a financial rating of A- (Excellent) from A.M. Best. Read on to see if Permanent General insurance is right for you!

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 12, 2021

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

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Company Details
Address: 2636 Elm Hill Pike, Suite 510
City: Nashville
State: TN
ZIP Code: 37214
Phone Number: (800) 280-1466
Year Founded: 1963
AM Best Rating: A-
Company Rating 1.4 (10 reviews)

  • Permanent General Assurance Company (PGAC) is a subsidiary of Peapack Gladstone Financial Holding Corporation
  • PGAC specializes in non-standard and specialty auto insurance for high-risk drivers
  • Permanent General has an AM Best rating of A-

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.

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What Permanent General Automobile Insurance Coverage Types are there?

There are four types of automobile coverage options available. The different types of coverage include liability coverage, medical payment coverage, uninsured and underinsured motorist insurance coverage, and comprehensive coverage and collision coverage.

Liability coverage 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.

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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.

A unique aspect of Permanent General’s website is their link section. The company provides links to helpful sites like car financing, the department of insurance for each individual state, driving records, recall information, and vehicle safety sites.

What’s the Permanent General Auto Insurance Customer Service like?

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 representative by sending a physical letter to Permanent General Insurance’s address:

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

Or, you can give them a call.

Permanent General Insurance phone number: 1-844-328-0306

How to File Permanent General Auto Insurance Claims

Permanent General Insurance Claims can be physically sent or phoned in.

Mail auto insurance claims to:

Permanent General Insurance Claims
P.O. Box 305195
Nashville, TN 37230-5195

Permanent General Insurance Claims Phone Number: (800) 280-1466

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How to Find Permanent General Auto Insurance Agents

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

You can find a Permanent General 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.

How to Find Permanent General Auto 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.

What are the Permanent General Auto Insurance Ratings?

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

You can get online Permanent General auto insurance quotes and quotes from other active providers by typing your ZIP code into the free rates tool now!


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