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Anchor General Insurance Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Mar 18, 2020

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Anchor General is a West Coast-based insurance company that caters to the non-standard auto insurance market. They provide insurance in five states through a managing general agency and underlying insurance company.

About Anchor General

Anchor General was founded in 1987 in San Diego, California. They operate as a managing general agent, Anchor General Agency operates non-standard insurance programs in California, Arizona, Oregon, and Washington, with a branch agency in Texas. Anchor General Insurance is the main underlying company in three states: California, Arizona, and Texas. The site does not state a company name in Oregon and Washington, only that the agency operates “exclusive automobile insurance programs” in those states.

All of the insurance policies offered by Anchor General are non-standard, which means they cater to the high-risk insurance market. Drivers are considered to be high risk based on a number of factors including driving record, poor credit, and holding an international driver’s license. This last is likely common to a lot of Anchor’s drivers given their operation in several border states.

The company has a very bare-bones website that does not appear to be aimed at bringing in new customers. It is likely that most of their business comes in through agents that are helping to place high-risk drivers with companies that will insure them.

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Anchor General Products

Car insurance is the only product offered by Anchor General, and there is not a lot of information about their policies.

As with most non-standard insurance companies, they offer a liability-only policy option. Many high-risk drivers select a legal minimum policy due to the high cost of non-standard insurance.

Anchor also offers the option of comprehensive coverage and collision coverage but does not list any other options or add-ons. This is fairly common for a non-standard insurance company; drivers that are paying a lot just to get on the road legally aren not usually looking to pay extra for added benefits and endorsements.

Rates

Rate information is not offered and is online quoting is not an option either on the very limited Anchor General website.

Rate quotes can only be obtained by a local agent. That is pretty common for this type of insurance, where driver background details can make a big difference and may be difficult to quote online. Non-standard insurance rates are always higher than standard rates, and should only be compared to one another.

Claims

Anchor General has a toll-free claims line that can only be reached during business hours, which are listed as Monday through Friday 7:00 a.m. to 6:00 p.m. Pacific time. There is no after-hours or emergency line listed, although this information may be available to policyholders.

There is also an email address listed for the claims department, but that appears to be mainly intended for following up on existing claims.

This is all the information we could locate on claims for this company; there is nothing in regards to the process, or what to expect.

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Ratings and Consumer Reviews

Anchor General has an A+ rating with the Better Business Bureau (BBB). There are 54 complaints on file in the past three years, with 10 of those closed in the past 12 months. 15 customers have left reviews on the file for an overall one-star rating. Complaints center on poor customer service, unpaid claims, and billing issues.

The company’s Yelp page has 321 reviews, with an overall one-star rating. A good number of the complaints are from people who are not customers but were involved in an accident where an Anchor General customer was at fault. There are many customer complaints as well. Again, we see a lot of claims issues, complaints of poor customer service, and billing problems.

There are 373 Google reviews, and the overall rating is 1.3-stars. Again, we saw a lot of the same complaints.

In spite of the good BBB rating, Anchor General has a high complaint volume, and there are a lot of similar complaints, which leads us to believe there is a lack of customer service here, particularly in the claims department

The Bottom Line

Non-standard auto insurance is a tough market; it is difficult to find an affordable option with a reputable company. There are better choices out there, however, than Anchor General, which has a lot of complaints and a general lack of helpful information on their website. If you need non-standard insurance, gather your quotes and really compare them and be sure that you are looking at more than rates alone.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Anchor General
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

8 Comments

  1. I am going through the same thing with this adjuster DIANA PAONE

    She is so rude, disrespectful and talks over costumers.

    I have to call multiple times and leave messages just to never get a callback.

    And when I do get a hold of her its excuse after excuse as to why she hadn’t gotten to the claim.

    She needs to be removed from this position as she cannot do her job.

    And for the business owner. You need to do better with your staff.

    People pay hundreds of dollars to be insured.

    For what? You guys have no sense of urgency to help at all.

    I am so dissatisfied and disappointed with this insurance.

    Reply
  2. They are the worst ever. After we canceled, months later they send us to collections saying we owe them money! They are full of crap stealing money! [Redacted] is all they are!! They can all go to [redacted]!!

    Reply
    • I hear you, that’s what exactly happened to me. Learned my lesson.

      Reply
  3. Ok, My mother (76 years old) was hit by a man that has Anchor General insurance. She filed a claim on January 18, 2017. It is now December 8, 2017, and they still have not settled the claim. I asked her in September if she ever got her money for her car and she said she was waiting for the check. I called and they had never sent anyone to assess the damage, they finally did after another month. On October 27 they sent us a letter saying they were sending the check. The check never came! Then I called and they said they had sent it and it got lost in the mail, funny how the letter found my mailbox just fine! Then they want me to sign an affidavit saying I don’t have the check, and fax or email it back to them, ok a 76-year-old woman doesn’t have email or a fax machine! Let’s make her jump through some more hoops and see how long we can postpone payment! Don’t every buy Anchor General or get hit by someone that has this insurance, terrible company. Then [Redacted] was rude to me on the phone when I called to ask where the check is.

    Reply
  4. I was rear ended by one of their insurers on 10/8/17. I have a brand new car with 6200 miles on it when it was hit. A guy was driving the owners vehicle. They are saying they are not going to cover getting my bumper fixed. I told them they are the ones that hit me while stopped at a red light. I am filing a complaint with the state. I can not get anyone to call me back in regards to my claim. I have gone up to a supervisor and then his manager and still have not gotten a call back.

    Reply
  5. I have just found out what kind of a s— company Anchor General is. I was hit by someone that was covered by Anchor General Insurance and their guy comes out and takes a picture and say’s that’s not bad, looks like its under $1000.00. I told him that I had already got a estimate and the estimate was three thousand and some odd cents and I received a check for eight hundred and some odd dollar. I put the check in the bank but called them and informed them I was going to send the estimates ( i went out and got two more) all estimates were over three thousand. I have a feeling that I will have to send a complaint to the state. Why does the state let these companies get buy with this kind of crap?
    I’m looking for new insurance after 14 years with the same company so I will be checking out the information listed above so thank you very much for all the information you have provided.

    Reply
    • What bank was the check you received drawn from?

      I’m trying to find out who they bank with

      Reply
  6. Useful review, as I am finding out who I am dealing with. In my case, trying to get a fair settlement, while they attempt to compare my vehicle with lesser valued vehicles. The 2005 case brought by the State Commissioner seemed to have a weak conclusion, with a lot of “We’ll talk to our people about that” responses to violations. Monitary compensation to claimants seemed to be small change—so they really got a small slap on the wrist which would just be encouragement to keep behaving poorly..
    By reading comments about them that are more recent, they may be worse than before.

    Reply

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