Compare American Family vs The General Insurance

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The General and American Family are both well-known companies in the insurance industry. The General was founded in 1963, and American Family was founded in 1927. The General is known and liked for offering high-risk drivers affordable premiums, while American Family is liked for its various additional policy and coverage options. However, American Family lacks consistent follow-up with claims and complaints, and The General was quite poor customer satisfaction ratings as well as limited discounts. Still, both companies have excellent financial strength ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  American Family The General
Best If American Family
  • You want many discount options or additional coverage
The General
  • You don’t have a perfect driving record but still want affordable insurance rates
Worst If American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.
The General
  • You want good customer service and consistency

Special Car Insurance Discounts

American Family The General
American Family

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

The General

Standard Car Insurance Discounts

Bundling Coverage Discounts American Family The General
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features American Family The General
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History American Family The General
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships American Family The General
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances American Family The General
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts American Family The General
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

American Family Car Insurance The General Insurance
2016 33 13
2015 32 14
2014 18 3
2013 9 4

U.S. Auto Insurance Shopping Study (2016)

American Family Car Insurance The General Insurance
Overall Purchase Experience Above average Above average
Policy Offerings Above average Above average
Pricing Above average Above average
Local Agent Above average Above average
Call Center Representative -- --
Insurer Website -- --

U.S. Auto Insurance Claims Satisfaction Study (2015)

American Family Car Insurance The General Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Above average Above average
Appraisal Average Average
Repair Process Average Average
Rental Car Experience Above average Above average
Settlement Average Average

Financial Strength Ratings

American Family Car Insurance The General Insurance
A.M. Best A- A-
Moody's -- --
S&P's A --

Mobile Apps

American Family The General
American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

American Family The General
American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).

The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service