Permanent General Car Insurance Review [2020]

Permanent General car insurance is mostly sold to high-risk drivers, such as someone with a DWI conviction. Permanent General is based in Nashville, TN.

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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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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 28, 2021

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Company Details
Address: 2636 Elm Hill Pike
City: Nashville
State: TN
ZIP Code: 37214
Phone Number: 615-242-1961
Year Founded: 1963
AM Best Rating: A (Excellent)
Company Rating 1 (1 review)

Here's what you need to know...

  • Permanent General is a group of companies specializing in non-standard auto insurance
  • The majority of their insurance policies are written for drivers who are classified as high-risk
  • Permanent General provides cheap insurance for drivers who have a hard time finding coverage

Permanent General Assurance Company of Nashville, Tennessee is the focus of this car insurance review.

Permanent General began operating under The General Insurance brand in January 2013.

The company was initially established in 1987 and operates as a subsidiary of PGC Holding Corporation.

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About Permanent General

Although Permanent General car insurance is available to any driver in the states the company covers, most of their policies are written for high-risk drivers.

These high-risk drivers tend to be those who are newly licensed, have a high rate of accidents and/or violations, and have had previous policies dropped due to DWI convictions or lack of financial stability.

Such non-standard policies are specialty products which require the expertise of a company like Permanent General.

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What Permanent General Offers

Recognizing that non-standard insurance policies tend to be more costly than standard, Permanent General strives to provide low down payments and convenient monthly payment plans.

For added convenience the car insurance company recently began accepting payments by credit card and online checks.

They also employ an electronic driver research system which is fairly effective in uncovering driver history, so that everything is known up front.

The system is intended to make sure nothing is hidden from Permanent General so that they can offer their best price and coverage right from the start.

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References:

  1. https://www.fenderbender.com/FenderBender/October-2012/American-Family-Insurance-Buys-PGC-Holdings-Corp/
  2. https://www.directgeneral.com/learning-center/explaining-auto-insurance/high-risk-auto-insurance
  3. https://www.nolo.com/legal-encyclopedia/dui-dwi-overview-30316.html
  4. https://www.investopedia.com/terms/n/nonstandard-auto-insurance.asp
  5. https://www.esurance.com/info/car/moving-violations-and-car-insurance-rates

One Response

  1. tom August 5, 2013

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