UPDATED: Mar 18, 2020
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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.
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.
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.
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.
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.