Digging into Pro General Insurance Solutions: What You Should Know

Finding the right auto insurance can feel like a maze With so many options, it’s tough to tell which providers actually deliver Today, I’ll take an in-depth look at Pro General Insurance Solutions to see if this company is worth considering for your car insurance needs.

As an independent insurance reviewer, I think it’s important to research insurers thoroughly before signing up. There are so many small details that separate an average auto insurer from a great one. My goal is to uncover everything you need to make an informed decision about Pro General.

I’ll analyze online information and reviews to highlight key facts on this company’s reputation, financial strength, customer service, and more. You’ll get the full picture so you can decide if Pro General is the best fit for your situation. Let’s dive in!

Quick Facts on Pro General Insurance Solutions

First a bit of background. Pro General Insurance Solutions focuses on private passenger auto insurance. They are a Managing General Agency that partners with larger carriers to provide policies and handle claims administration.

Here are a few key details on Pro General:

• Specializes in non-standard auto insurance
• Based in California but offers policies in CA and FL
• Founded in 2013
• Privately held company
• Has 11-50 employees currently

As an MGA, Pro General underwrites policies but works with partner carriers like Allstate and Progressive that take on the financial risk. Now let’s look at how Pro General stacks up in important evaluation criteria.

Pro General’s Financial Strength and Reputation

For insurance shoppers, finding a financially stable provider is key. You want to know the company will be there to pay out claims down the road.

While I couldn’t find financial ratings for Pro General itself they partner with “A-rated” carriers according to their LinkedIn profile. This means clients are ultimately backed by insurers with strong financial standing.

Online background checks reveal no serious complaints or lawsuits against Pro General to date. And their Better Business Bureau (BBB) profile shows proper licensure and accreditation. This checks out as a reasonably reputable insurance agency.

Range of Auto Insurance Products Offered

Pro General specializes in non-standard auto insurance. This includes high-risk drivers and those needing an SR-22 filing.

They focus on liability and comprehensive/collision policies. Available coverages include:

• Bodily injury liability
• Property damage liability
• Uninsured/underinsured motorist
• Medical payments
• Comprehensive
• Collision

For added convenience, Pro General offers monthly payment plans in addition to standard 6-month premium terms.

One downside is a lack of extras like roadside assistance and rental reimbursement that standard insurers typically include. But non-standard carriers often forego these perks to keep base rates affordable.

Customer Service Reputation

Finding helpful, responsive service when you have questions or claims is a top priority.

Online reviews for Pro General are very limited, so it’s hard to gauge customer satisfaction. Their BBB profile has no reviews currently. And I could not find reviews on other third-party sites.

This lack of feedback could simply mean they are a newer, smaller company. As Pro General grows, more customer opinions should surface to get a feel for service quality.

For now, it appears to be an average call center experience when contacting Pro General for sales and support. Hold times may be longer than bigger brands. But services seem professional overall based on their website and online info.

Cost of Coverage Offered

Affordable premiums are another big factor for insurance shoppers. Pro General positions themselves as a competitively priced option for non-standard drivers.

They leverage their streamlined technology to keep administrative costs low. These savings can then translate to lower policy pricing for customers.

Exact rates will depend on your age, driving history, vehicle, and other specifics. I’d recommend getting quotes from Pro General as well as other carriers in your state to compare. This allows you to find both the best rates and coverage.

The Bottom Line – Is Pro General Worth Considering?

Based on this full review, here’s my verdict on Pro General Insurance Solutions:

Pros

• Specializes in non-standard driver policies
• Backed by financially strong partner carriers
• Provides required SR-22 filings
• No major red flags found with their reputation
• Focus on keeping rates affordable

Cons

• Have limited online reviews to confirm service quality
• Don’t offer extra protections like roadside assistance
• Lack of financial strength ratings as an MGA

Overall, Pro General seems like a reasonable option for high-risk drivers needing basic liability coverage at a fair price. I would recommend comparing their quotes to other non-standard carriers in your area.

Those needing full coverage, lots of extras, and robust customer service may prefer a bigger national insurer. But for simple state-minimum policies, Pro General could make sense for some.

I encourage you to check their website for current specials and get a free quote online or over the phone. Be sure to ask lots of questions and read the full policy details before making a final decision.