Liberty Mutual Review: Auto / Homeowners Insurance Price Competitiveness, AM Best Financial Strength Ratings & Complaint Records 2009-2014

This Liberty Mutual Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013 & 2014), the auto & home insurance complaints for the subsidiary companies of the Liberty Mutual Insurance, to determine whether each of their subsidiaries, such as Liberty Mutual Fire Insurance Company or First Liberty Insurance Corporation, has a better-than-average, average, or worse-than-average customer complaint record.

This review also looks at the JD Power ratings for Liberty Mutual’s auto & homeowner insurance pricing, and increases & decreases in market share (as measured by annual written premiums) for each Liberty Mutual subsidiary, as a possible indication of competitive pricing. In addition to reviewing & rating its most recent six year complaint record and its auto & homeowners insurance rates, I’ll analyze the AM Best Financial Strength Ratings for the Liberty Mutual insurance companies, too. Continue reading

Hartford JD Power Customer & Claims Satisfaction Ratings Review 2012 – 2016: Auto & Homeowners Insurance

This review will analyze the JD Power ratings & numerical scores for Hartford auto and homeowners insurance, in all the JD Power claims & customer satisfaction studies where the company was included in the last few years, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company. This review will show you if Hartford auto and/or home insurance has a better-than-average, average, or below-average performance in JD Power studies from 2012-2016, and how Hartford compares to leading competitors, like State Farm, Metlife, Progressive, GEICO, Allstate, American Family, Travelers, Farmers etc. in these JD Power auto & homeowners insurance claims & customer satisfaction studies.

Hartford Insurance Review: AM Best Financial Strength Ratings & Auto / Homeowners Complaint Records 2009-2014

This Hartford Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013 & 2014), the home & auto insurance complaints for the subsidiary companies of The Hartford Insurance Group, to determine whether each subsidiary, such as Hartford Insurance Company of the Midwest or Sentinel Insurance Company LTD, has a better-than-average, average, or worse-than-average customer complaint record.

I’ll look at increases & decreases in market share (as measured by annual written premiums) for each Hartford subsidiary, and Hartford’s JD Power ratings for auto & homeowners insurance pricing, as possible indications of competitive insurance rates for you. I’ll review the AM Best Financial Strength Rating (FSR) for the Hartford subsidiaries, too. Continue reading

USAA JD Power Customer & Claims Satisfaction Ratings Review 2012 – 2016

This review will analyze the JD Power ratings & numerical scores for USAA insurance, in all the JD Power insurance studies where the company was included in the last few years (2012-2015), to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company. This review will show you if USAA auto, home, and life insurance has a better-than-average, average, or below-average claims, pricing, & customer satisfaction from 2012 to 2016. Continue reading

Erie Insurance Review: AM Best, JD Power Ratings & Auto & Home Insurance Customer Complaint Record

This Erie Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013 & 2014), the home & auto insurance complaints for the subsidiary companies of the Erie insurance group of companies, to determine whether each subsidiary, such as Erie Insurance Exchange or Erie Insurance Property & Casualty Company, has a better-than-average, average, or worse-than-average customer complaint record.

In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for Erie insurance from 2012 to 2016, and compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, & GEICO. I’ll review the AM Best Financial Strength ratings for the Erie insurance companies, too. Continue reading

Liberty Mutual JD Power Customer & Claims Satisfaction Ratings Review 2012 – 2016: Auto & Homeowners Insurance

This review will analyze the JD Power ratings & numerical scores for Liberty Mutual auto and homeowners insurance, in all the JD Power claims & customer satisfaction studies where the company was included in the last few years, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company. This review will show you if Liberty Mutual auto and/or home insurance has a better-than-average, average, or below-average performance in JD Power studies from 2012-2016, and how Liberty Mutual compares to leading competitors, like State Farm, Metlife, Progressive, GEICO, Allstate, Hartford, American Family, Travelers, Farmers etc. in these JD Power auto & homeowners insurance claims & customer satisfaction studies.

U.S. Auto & Homeowners Insurance Companies Rated Better than Average, Average, or Worse Than Average based on Complaints & JD Power Studies

This review rates & ranks the major US auto & home insurance companies for pricing, claims, customer satisfaction, & customer complaints by using each company’s complaint statistics and performance in JD Power insurance studies over the most recent three years, to show you which companies are performing worse than average, average, or better than average in these categories. Continue reading

State Auto Review: Auto / Homeowners Insurance Price Competitiveness, AM Best Financial Strength Ratings & Complaints 2009-2014

This State Auto Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013, & 2014), the home & auto insurance complaint record for the subsidiaries of State Auto Insurance, to determine whether each subsidiary, such as Meridian Security Insurance Company or Milbank Insurance Company or State Automobile Mutual Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record. This review will also look at the AM Best & JD Power ratings for State Auto, as well as the price competitiveness for State Auto home & car insurance. Continue reading

Michigan Farm Bureau Review: Auto, Home, Condo, Renters, Life Insurance

Michigan Farm Bureau is one of the largest insurers of cars and homes in Michigan. This review will discuss the important facts about Michigan Farm Bureau, the types of insurance it offers, and how it sells its insurance coverage. This review analyzes the JD Power customer satisfaction ratings, AM Best financial strength ratings, and the most recent three-year home & auto insurance customer complaint records for the Michigan Farm Bureau insurance companies, and compare them with major competitors like Allstate, State Farm, GEICO, Nationwide, Auto-Owners, & Progressive. My review will give you information to help you decide if Michigan Farm Bureau is a good choice to insure your vehicle or home. Continue reading

Affirmative Insurance Review: Auto Insurance Complaint Record & JD Power, AM Best, BBB Ratings

Affirmative / USAgencies is a nonstandard auto insurance company, most active in the states of California, Louisiana, Texas, Alabama, Illinois and Indiana. Nonstandard auto insurance is designed for inexperienced drivers, drivers without insurance, drivers with tickets or accidents, license suspensions, people recently licensed, and other factors making them ineligible for standard auto insurance with other auto insurance companies.

Updating this review from its original 9/12/2015 publish date, Affirmative Insurance Company was declared insolvent as of 3/1/2016, and a moratorium was placed on any further claim payments by the Affirmative, including the return of unearned premium. Needless to say, Affirmative customers should seek auto insurance elsewhere.

If you are insured with Affirmative or USAgencies, it’s likely you pay a lot for your auto insurance coverage. This review will consider how competitive the rates are for Affirmative / USAgencies auto insurance through recent gains or losses in market share for its companies, and will evaluate and compare the most recent three-year auto & home insurance customer complaint records for the Affirmative / USAgencies Insurance companies with major competitors like Allstate, State Farm, GEICO, and Progressive, to assist consumers to decide if Affirmative / USAgencies Insurance is a good insurance company for them.

JD Power & AM Best ratings for Affirmative / USAgencies Insurance will also be analyzed, if available. Do any of the Affirmative / USAgencies Insurance companies have a below average, average, or above average number of customer complaints? My review summary at the end (Section #6), will rate the auto & home insurance customer service & claims handling by the Affirmative / USAgencies Insurance companies, based on their 2011-2014 complaint record. Continue reading

MAPFRE / Commerce Insurance Review: AM Best, JD Power Ratings & Auto & Home Insurance Customer Complaint Record

This MAPFRE / Commerce Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009-2014), the home & auto insurance complaints for the subsidiary companies of MAPFRE / Commerce insurance group, to determine whether each subsidiary, such as American Commerce Insurance Company or Commerce Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for the Commerce / MAPFRE insurance companies from 2012 to 2015, and compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength ratings for the Commerce / MAPFRE subsidiaries, too. Continue reading

Universal Property & Casualty Review: Homeowners Insurance Complaints, AM Best, BBB, & JD Power Ratings

Universal Property & Casualty Insurance Company (UPCIC) has been a major insurer of homes and residential dwellings in Florida, but has in the last few years expanded to offer homeowners & other property insurance through independent insurance agents in other states, including Alabama, Delaware, Georgia, Hawaii, Indiana (starting in 2015), Maryland, Massachusetts, Michigan, Minnesota, New Hampshire (approved as of Dec. 2015), North Carolina, Pennsylvania (first policy in the Keystone State sold in 2015), South Carolina, Virginia (authorized in the state as of July 2015), West Virginia, and now New Jersey & New York (authorized in these states as of March 2016), with plans to expand to more states in the future. I previously wrote a review of Universal Property & Casualty Insurance Company’s Florida complaint record, so the purpose of this review is for people considering or insuring with UPCIC in states other than Florida.

If an independent insurance agent recommends you buy property insurance from Universal Property & Casualty Insurance Company, the information in this review can help you decide if UPCIC is right for you. I’ll review the AM Best or Demotech financial strength ratings, JD Power customer satisfaction ratings, and Better Business Bureau ratings for Universal Property & Casualty Insurance Company, including its home insurance complaint record from all states over the last six years.

My review summary will give you my opinion if Universal Property & Casualty Insurance Company is performing better than average, average, or worse than average, compared to its competitors. The wise insurance buyer shops for the best combination of coverage, price, and service, so be sure to use the ad below this paragraph (or the ad at the end of this review) to get price quotes from multiple insurance companies and find the best insurance company for you. Continue reading

Chubb Insurance Review: AM Best, JD Power Ratings & Auto & Home Insurance Customer Complaint Record

This Chubb Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009-2014), the home & auto insurance complaint ratings for the subsidiary companies of Chubb insurance, to determine whether each subsidiary, such as Federal Insurance Company or Great Northern Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for Chubb insurance over the last few years, and compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength ratings for the Chubb subsidiaries, too. Continue reading

Hanover Insurance Review: Auto & Home Insurance Customer Complaints, AM Best & JD Power Ratings

This Hanover Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013 & 2014), the home & auto insurance complaint ratings for the subsidiary companies of Hanover insurance group, to determine whether each subsidiary, such as Citizens Insurance Company of America or Massachusetts Bay Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for Hanover insurance from 2012 to 2016, and compare them to the scores of leading competitors, like State Farm, Allstate, The Hartford, Travelers, Safeco, Nationwide, Liberty Mutual, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength Rating (FSR) for the Hanover insurance subsidiaries, too. Continue reading

Encompass Insurance Review: AM Best, JD Power Ratings & Auto & Home Insurance Customer Complaint Record

This Encompass Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009-2014), the home & auto insurance complaint ratings for the subsidiary companies of Encompass insurance group of companies, to determine whether each subsidiary, such as Encompass Home & Auto Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for Encompass insurance from 2012 to 2015, and compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, & GEICO. I’ll review the AM Best Financial Strength ratings for the Encompass insurance companies, too. Continue reading

COUNTRY Insurance Review: AM Best, JD Power Ratings & Auto & Home Insurance Customer Complaint Record

This COUNTRY Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009 – 2014), the home & auto insurance complaints for the subsidiary companies of Country Financial Group, to determine whether each subsidiary, such as Country Mutual Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for COUNTRY insurance from 2012 to 2016, and compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Nationwide, Progressive, & GEICO. I’ll review the AM Best Financial Strength ratings for Country Financial, too. Continue reading

Oklahoma Farm Bureau Review: Auto & Homeowners Insurance Complaints, AM Best, BBB, & JD Power Ratings

Oklahoma Farm Bureau Insurance sells auto & home insurance in the state of Oklahoma only, and is the leading Oklahoma-based insurance company in the state. You don’t have to be a farmer or rancher to be eligible for Oklahoma Farm Bureau Insurance. If you live in Oklahoma, you may know about the company, but do you really know how good Oklahoma Farm Bureau is for auto & home insurance? I’ll review the AM Best financial strength ratings, JD Power customer satisfaction ratings, and Better Business Bureau ratings for the Oklahoma Farm Bureau Insurance companies, such as Oklahoma Farm Bureau Mutual Insurance Company, including their auto & home insurance complaint records over the last three years. My review summary will give you my opinion if Oklahoma Farm Bureau Insurance is performing better than average, average, or worse than average, compared to its competitors, like State Farm, Allstate, Progressive, GEICO and others. The smart insurance buyer shops for the best combination of coverage, price, and service, so be sure to use the ad below this paragraph (or the ad at the end of this review) to get price quotes from multiple insurance companies and find the best insurance company for you. Continue reading

Farm Bureau Mutual Review: Auto, Home, & Life Insurance

The companies of Farm Bureau Mutual Holding Company, Farm Bureau Property & Casualty Insurance Company and Western Agricultural Insurance Company, insure homes, farms, and automobiles in the states of Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota and Utah. How does Farm Bureau Mutual compare to other major insurance companies competing in these states, like Nationwide, State Farm, Allstate, Progressive, and GEICO? This review analyzes the JD Power customer satisfaction ratings, AM Best financial strength ratings, and the most recent three-year home & auto insurance customer complaint records for the Farm Bureau Mutual companies, and compares them with major competitors. If you don’t want to read the entire review, you can skip to my review summary at the end (Section #6), to find out if my analysis concludes the auto & home insurance customer service, claims handling, and rates at Farm Bureau Mutual is below average, average, or above average. Reading this review will help you decide if Farm Bureau Mutual is a good choice to insure your vehicles, home, or provide for your other insurance needs. Continue reading

Donegal Auto & Home Insurance Review

This review for Donegal Insurance Group (Donegal Mutual Insurance Company, Atlantic States Insurance Company, Le Mars Insurance Company, Michigan Insurance Company, The Peninsula Insurance Company, Peninsula Indemnity Company, Sheboygan Falls Insurance Company, Southern Insurance Company of Virginia, Southern Mutual Insurance Company), a major auto and home insurer available in 18 U.S. States, evaluates and compares the most recent three-year home & auto insurance customer complaint records for the Donegal Insurance companies with major competitors like Allstate, State Farm, GEICO, and Progressive, to help consumers decide if Donegal Insurance is a good insurance company for them. JD Power & AM Best ratings for Donegal Insurance Group will also be analyzed. Do any of the Donegal Insurance Group companies have a below average, average, or above average number of customer complaints? My review summary at the end (Section #7), will rate the auto & home insurance customer service & claims handling by the Donegal Insurance Group companies, based on their complaint record. Continue reading

Direct General Insurance Review: Auto Insurance Customer Complaints, JD Power Customer Satisfaction & AM Best Financial Strength Ratings

Direct General is an insurance company selling nonstandard auto insurance (for people not qualifying for lower-priced, standard or preferred auto insurance rates), motorcycle, and term life insurance in the 13 US states of Alabama, Arkansas, Florida, Georgia, Illinois, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, & Virginia. Direct General is an important insurance company to know, if you live in any of the states where it operates, and have trouble qualifying for low auto or motorcycle insurance rates due to your or a driver in your household’s driving record, lack of driving experience, no prior insurance, lapse in coverage, or other reasons. When you pay a lot for auto insurance, and fewer car insurance companies will insure you, it’s even more important to know all your company options, and choose the company with acceptable service for the coverage you need at the best price. Now you know if Direct General is an option for you, it’s easy enough to contact them for a price quote. This review will show you not only how to contact Direct General for a quote, but give you the latest company ratings and complaint information about the Direct General insurance companies, to help you decide if Direct General is a good choice for you. I’ll also give you the names of the major insurance companies offering nonstandard auto insurance, competing with Direct General, so you have more options to shop for a better price or better service. Continue reading

Dairyland / Viking / Peak Insurance Review: Auto Insurance Complaint Record & Ratings

Dairyland, Viking, and Peak, all owned by Sentry Insurance, are nonstandard auto insurance companies for drivers without insurance, tickets or accidents, license suspensions, recently licensed, and other factors making them ineligible for standard auto insurance with most companies. It’s easy to find a lot of bad reviews for Dairyland, Viking, or Peak insurance on the Internet, like you can find for all insurance companies. Unfortunately, complaints written by customers are hard to tell if the complaints are legitimate. This review has complaint ratings for the Dairyland, Viking, and Peak insurance companies compiled by the National Association of Insurance Commissioners, from statistics gathered by each state’s insurance department. I think these statistics are more reliable and relevant for evaluating an insurance company’s customer service than personal accounts. Plus, you can see how these companies’ complaint records compare to the average complaint record for the auto insurance industry.

Because Dairyland, Viking, & Peak insure high risk drivers, their customers are more likely to cause automobile accidents. I also provide in this article contact phone numbers for customer service, claims reporting, & fraud reporting, which can be used by both Dairyland policy holders, and other people involved in accidents with Dairyland customers. Continue reading

Cypress Texas Lloyds Home Insurance Review

Cypress Texas LLoyds is a part of Cypress Insurance Group, Inc., and it’s the 34th largest insurer of homes in Texas, based on total annual premium in 2010. Qualifying for home insurance can be difficult in some areas of the USA, due to increased risk of catastrophic storm damage in these locations. As many Texas property owners know, many home insurance companies are taking different approaches to reduce their risk, by new limitations on coverage & higher deductibles, not selling to new customers, canceling policies, or declining to cover some properties considered to be at too much risk for frequent or costly claims. It’s important for Texas home owners to shop with all the home insurance companies available to them, to find the right coverage at a reasonable price. Before people choose a company based on price and coverage, it’s smart to check the company’s complaint record, customer service reputation, and financial stability. This review of Cypress Texas Lloyds will give you useful information about customer service, complaints, & financial strength, to help you decide if this company is right for you. I’ll conclude my review with giving you the names of Cypress Texas Lloyds biggest competitors, so you know some of your other home insurance company options. Continue reading

Civil Service Employees / CSE Insurance Review: Auto & Homeowners Complaints, AM Best, BBB, & JD Power Ratings

CSE (Civil Service Employees) Insurance Group has discounted rates for law enforcement, firefighters, and educators, selling auto, homeowners, condominium, renters (tenants), rental property (dwelling-fire), boat and liability umbrella insurance in the states of Arizona, California, Nevada, and Utah through independent insurance agents appointed to represent CSE in these states. How good is CSE auto & home insurance? I’ll review the AM Best financial strength ratings, JD Power customer satisfaction ratings, and Better Business Bureau ratings for the CSE insurance companies, such as CSE Safeguard Insurance Company and Civil Service Employees Insurance Company, including their auto & home insurance complaint records over the last three years. My review summary will give you my opinion if CSE Insurance is performing better than average, average, or worse than average, compared to its competitors, like State Farm, Allstate, Progressive, GEICO and others. Although CSE specializes in offering discounted insurance rates to civil service employees, many insurance companies (such as GEICO) have discounted rates for public sector employees. The wise insurance buyer shops for the best combination of coverage, price, and service, so be sure to use the ad below this paragraph (or the ad at the end of this review) to get price quotes from multiple insurance companies and find the best insurance company for you. Continue reading

ASI / Progressive Review: Home Insurance Complaints, AM Best & JD Power Ratings

ARX Holding Corp., the parent company of American Strategic Insurance (ASI) and its affiliates, a major insurer of homes in the USA, is being acquired by the well-known auto insurance company, Progressive Insurance. ASI sells its home insurance through local independent insurance agencies and direct from Progressive in 25 U.S. states. Now that Progressive now has controlling interest (67%) in ASI, with plans to purchase all remaining shares in the future, ASI may become the main home insurance company Progressive offers to its auto insurance customers as an auto/home insurance bundling option. How do the ASI Group companies (American Strategic Insurance Corp, Texas Lloyds, ASI Assurance Corp., ASI Preferred Insurance Corp., ASI Select Insurance Corp., ASI (Formerly ACA) Home Insurance Corp and American Capital Assurance Corp.) compare to other major home insurance companies competing in the USA, such as State Farm, Allstate, Farmers, Nationwide, Travelers, Safeco, Liberty Mutual & others? This review analyzes the JD Power customer satisfaction ratings, AM Best financial strength ratings, BBB ratings, and the most recent three-year homeowners insurance customer complaint records for the ASI Group insurance companies, and compares them with major competitors. There is a lot of useful information in this review, but if you don’t want to read the entire review, you can skip to my review summary in the last section (section #7), to find out if my analysis concludes the home, condo, & renters insurance customer service, claims handling, and rates for the ASI Group companies is below average, average, or above average. Reading this review can help you decide if ASI is a good company to insure your home, condominium, or apartment. Continue reading

NJ Manufacturers Review: Auto & Home Insurance Customer Complaints, AM Best & JD Power Ratings

This NJ Manufacturers Insurance review will evaluate the 2009, 2010, 2011, 2012, 2013, & 2014 homeowners & auto insurance complaint records for the subsidiary companies of NJ Manufacturers insurance, to determine whether each subsidiary, such as New Jersey Indemnity Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the AM Best Financial Strength Ratings, and change in the JD Power home & auto insurance scores & ratings for NJ Manufacturers from 2012 to 2015, and compare them to the scores of leading competitors, like State Farm, Allstate, Travelers, Hartford, 21st Century, Progressive, & GEICO. Continue reading