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With its headquarters in San Diego, California, Anchor General Insurance has been providing auto insurance in the non-standard market since 1987. While the agency of the same name administers programs in other states, Anchor General’s auto insurance policies are currently only offered in California, Arizona, and Texas.
Anchor General’s market is non-standard insurance, otherwise known as high-risk. They provide coverage to drivers who do not qualify under the requirements of standard insurance companies for a variety of reasons; these can include a poor driving record, major violation such as a DUI, out-of-country driver’s license, and bad credit.
Anchor’s website offers the bare minimum of information, generally indicating that it is not meant as a source of new business. Anchor likely relies on agents to bring in new customers instead.
Aside from offering some definitions of auto insurance terminology in a blog-like format, there is nothing at all about Anchor’s auto program on the website. The site does not include a section where products are described.
As a non-standard insurer, we would expect Anchor to offer basic liability policies that meet state legal requirements, as well as having a few add-on options such as comprehensive coverage and collision coverage.
The Anchor website does not offer any information whatsoever how to proceed with obtaining a quote. The site does not have a contact form, toll-free number, or even an agent locator.
All we were able to locate was basic customer service/underwriting contacts listed in the “Contact Us” section. It is not made clear whether or not this contact information can be used to get a quote.
This adds to the impression that this site is not designed to bring in new customers.
There is a toll-free number available for reporting claims, but it is not open 24 hours a day. Business hours for the claims line are listed as Monday through Friday 7:00 a.m. to 6:00 p.m. Pacific time. A claims email address is provided for customers looking to check on the status of a claim.
Online claims reporting is not offered and the site is without further information regarding claims on the company website.
Ratings and Consumer Reviews
While there is little in the way of information about this company on their website, we did not have difficulty finding the opinions of consumers about their service.
The Better Business Bureau (BBB) rates Anchor General an A-, docking them for the failure to respond to one complaint. The total number of complaints on file in the past three years is 61; 22 of which were filed in the past 12 months. This number is not a high volume, but we found many further complaints elsewhere.
The complaint volume climbs on the company’s Yelp Page, with a total of 281 reviews resulting in a one-star rating overall. The complaints are repetitive – poor customer service, slow to a non-existent response from the claims department, difficulty having claims paid.
The story is much the same on the Yellow Pages site, where 15 reviews provide an overall one-star rating. This page features similar complaints to those found on Yelp.
The complaints pile-up is capped off by a total of 338 reviews on Google that add up to a 1.2-star rating overall. While we found a few positive reviews scattered throughout, the negative reviews easily overwhelmed those, citing the same issues repeatedly.
The Bottom Line
The repeated negative reviews of this company stating the similar problems across multiple platforms throw up a big red flag for us. Combined with the complete lack of information, this company’s reputation leads us to advise those in search of non-standard coverage to continue your search as it is likely that you will find better value and more information elsewhere.
For a list of companies that we recommend, visit our Best Insurance Companies page.