Compare The General vs. The Hartford Insurance

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The General and The Hartford are two well-known names in the auto insurance industry. The Hartford was founded in 1810, about 150 years prior to The General, which was founded in 1963. Both companies have their strengths and weaknesses. For instance, The General provides low insurance rates for high-risk drivers and also has a simple online quoting system. Whereas, The Hartford provides excellent claims management and support, not to mention excellent partnership with the AARP.

However, The Hartford and the General lack impeccable 24-hour, consistent customer service. Still, both companies have mobile apps and excellent roadside assistance programs for their customers.

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

  The General The Hartford
Best If The General
  • You don’t have a perfect driving record but still want affordable insurance rates
The Hartford
  • You’re also an AARP member
Worst If The General
  • You want good customer service and consistency
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

The General The Hartford
The General The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount

Standard Car Insurance Discounts

Bundling Coverage Discounts The General The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features The General The Hartford
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 The General The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships The General The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances The General The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts The General The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

The General Insurance The Hartford Car Insurance
2016 13 30
2015 14 72
2014 3 69
2013 4 67

U.S. Auto Insurance Shopping Study (2016)

The General Insurance The Hartford Car Insurance
Overall Purchase Experience Above average Among the best
Policy Offerings Above average Among the best
Pricing Above average Among the best
Local Agent Above average Average
Call Center Representative -- Average
Insurer Website -- Among the best

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

The General Insurance The Hartford Car Insurance
Overall Satisfaction Average Above average
First Notice of Loss Average Above average
Service Interaction Above average Below average
Appraisal Average Average
Repair Process Average Among the best
Rental Car Experience Above average Average
Settlement Average Above average

Financial Strength Ratings

The General Insurance The Hartford Car Insurance
A.M. Best A- A
Moody's -- A2
S&P's -- A

Mobile Apps

The General The Hartford
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.

The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or Android, click here

Roadside Assistance

The General The Hartford
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
The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.