Do you own a restored vehicle, classic/antique car, sports car, hot rod, show car, or custom car? If it is insured on your regular auto insurance policy, you probably don’t have the coverage you think you do. Continue reading
Monthly Archives: January 2012
Loan/Lease Payoff Coverage: Gap Insurance for Car / Auto
Many auto insurance companies, like Metlife & Travelers, offer Gap insurance (sometimes called Guaranteed Auto Protection) to pay off the difference between your loan and the market value of your car, which your car insurance company pays, when your car is a total loss. Some auto insurance companies, like Progressive insurance, offer a limited version of gap insurance, called Loan/Lease Payoff Coverage.
When you buy a new or used car, many dealerships want you to buy their gap insurance. Who has the least expensive gap coverage? What is the best gap insurance coverage, or the best way to buy it? Do you need gap coverage? This blog post will give you the information to help you make an informed decision about gap insurance / loan or lease Payoff coverage. Continue reading
Arkansas Home Insurance Reviews: Complaint Ratings for 20 Major Companies
Does your homeowners insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Are you insured with a good or bad company? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 20 largest Arkansas home insurance companies, covering 86% of the 2010 Arkansas home insurance market, and rates them based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet). I also include a list of the 5 homeowners insurance companies with the most confirmed complaints in 2010, made by customers in Arkansas. Sort out the best companies from the worst companies. Continue reading
Arkansas Auto Insurance Reviews: Complaint Ratings for 20 Major Companies
Does your auto insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 20 largest Arkansas car insurance companies, covering 80% of the 2010 Arkansas car insurance market, and rates them based on their 2010 national complaint record (2011 complaint records are not available yet). I also include a list of the top 10 auto insurance companies with the most confirmed complaints in 2010 made by customers in Arkansas.Know the best and worst companies in Arkansas.
I’m always blogging to help you get the best policies and prices for auto, home, & life insurance, so bookmark or place my website in your favorites!
With my state reviews, I like to use the state complaint ratios, to tell you if an insurance company has a better or worse complaint record in your state, compared to competing insurance companies.
Unfortunately, not every state’s insurance department provides complaint ratios. Arkansas happens to be one of them. Arkansas does provide the number of confirmed complaints made against each car insurance company in Arkansas.
But the complaint ratio is needed to compare car insurance companies, to see if the insurance company has a higher than average, or lower than average number of complaints, adjusted based on the insurance company’s market share.
For example, State Farm Mutual Automobile Insurance Company, and Farmers Insurance Company, Inc. each had 7 confirmed auto insurance complaints in Arkansas for 2010.
But the State Farm company’s market share is over 22%, and the Farmers company is only close to 5%. The State Farm company has more than 4 times the number of customers than the Farmers company, but the same number of complaints.
A smaller car insurance company may have 3 complaints, equaling 1 complaint per 10,000 customers, and a large insurance company may have 6 complaints, but only 1 complaint per 100,000 customers. If you insure with the smaller insurance company, you are more likely to have a valid complaint than with the larger insurance company.
Here is a list of 9 of the 10 auto insurance companies with the highest number of complaints in Arkansas for 2010. Considering market share, I left State Farm Mutual Automobile Insurance Company out of the top 10. I chose to do this because 7 complaints, based on its larger number of customers, compared to other car insurance companies in Arkansas with much fewer customers, is actually a very good complaint record.
However, another State Farm company does make this list. The 9 car insurance companies on the list should be a concern for you, if any of them are your insurance company.
10 Arkansas Car Insurance Companies with the largest number of confirmed complaints in 2010
1. Direct Insurance Company: 26 complaints placed, 17 complaints confirmed.
2. State Farm Fire & Casualty Insurance Company: 41 complaints placed, 12 complaints confirmed.
3. Geico Casualty Company: 7 complaints placed, 12 complaints confirmed.
4. Allstate Insurance Company: 21 complaints placed, 10 complaints confirmed.
5. Alfa Vision Insurance Corp: 26 complaints placed, 8 complaints confirmed.
6. Farmers Insurance Company Inc.: 32 complaints placed, 7 complaints confirmed.
7. Allstate Property & Casualty Insurance Company: 14 complaints placed, 7 complaints confirmed.
8. Imperial Fire & Casualty Insurance Company: 11 complaints placed, 6 complaints confirmed.
9. Progressive Casualty Insurance Company: 12 complaints placed, 5 complaints confirmed.
A state’s department of insurance website is usually a good place to find out consumer information about insurance & insurance companies.
The Arkansas Insurance Department website has specific information for Arkansas consumers. You can access Consumer Complaint Reports, create a Complaints by Reason report, and find out the reasons for the complaints for each insurance company on the list above, and all the other auto insurance companies in Arkansas. You can also check the number of complaints for years prior to 2010.
Here is the link to the Arkansas Insurance Department Website, which I used as a resource regarding the number of Arkansas complaints and market share.
As I mentioned earlier in this blog post, you need to use a complaint ratio to fairly compare an insurance company’s complaint record.
Here is a list of the 20 largest auto insurance companies in Arkansas by market share, and ranking them by their national complaint ratios from my website.
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Check out my website to see more complaint ratios, and JD Power customer satisfaction ratings, for auto insurance companies (or to find complaint information regarding home insurance) not on this list.
Here is my grading system. I also list the national complaint ratio (the lower the number the better the complaint record).
A+ = Insurance companies with complaints 25% or less than the average insurance company.
A = Insurance companies with complaints 50% or less than the average insurance company.
B = Insurance companies with complaints 90% or less than the average insurance company.
C = Insurance companies with complaints from 90% to 110% of the average insurance company.
D = Insurance companies with complaints from 110% to 200% of the average insurance company.
F = Insurance companies with complaints over 200% of the average insurance company. More than twice as much as average!
Consider these grades, along with price and other factors (as listed on my website), when choosing an home insurance company.
Insurance companies frequently have several subsidiary auto insurance companies. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade. This also applies to the 9 auto insurance companies with the most complaints in 2010 I listed above.
If you want to decrease the chance of having a problem with your insurance company, go with the highest ranked auto insurance company — even if it costs more. The good news is the best car insurance companies often have very good rates — you can go with a better insurance company AND save money.
Here is the list. Remember to shop with as many companies as possible, so you can find the best rates, service, & coverage for you.
The 20 Top Arkansas Car Insurance Companies Ranked (from best to worst) by Their 2010 National Complaint Records
1. Southern Farm Bureau Casualty Insurance Company = A+ (.12)
2. State Farm Mutual Auto Insurance Company = A (.34)
3. Government Employees Insurance Company = A (.43)
4. Safeco Insurance Company of Illinois = A (.44)
5. Progressive Northwestern Insurance Company = A- (.49)
6. Allstate Property & Casualty Insurance Company = A- (.50)
7. Geico General Insurance Company = B+ (.51)
8. Travelers Home & Marine Insurance Company = B+ (.52)
9. Nationwide Mutual Insurance Company = B+ (.54)
10. Shelter Mutual Insurance Company = B (.58)
11. State Farm Fire & Casualty Company = B (.61)
12. Geico Indemnity Company = B (.62)
13. Progressive Direct Insurance Company= B (.65)
14. State Automobile Mutual Insurance Company = B (.66)
15. United Services Automobile Association = B (.71) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
16. Auto Club Inter-Insurance Exchange = B- (.88)
17. USAA Casualty Insurance Company = C (.96) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
18. Allstate Insurance Company = C (.96)
19. Farmers Insurance Company Inc. = C- (1.06)
20. Alfa Vision Insurance Corp = F (3.75)
Now you know the complaint ratings for the biggest auto insurance companies in Arkansas. The next step is to get price quotes by shopping your auto insurance & homeowners insurance with ALL the leading insurance companies, you can get a great price AND great customer service & claims handling. Use my website to find all the leading insurance companies, evaluate their customer service, and find the best price for you.
Do you have any questions or commentary about these Arkansas car insurance complaints, ratings or rankings? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.
Acts of God Not Covered By Insurance?
Every once in a while, I will run across a situation where someone asks are acts of God covered by their insurance, or someone claiming acts of God are excluded from their insurance. This has mystified me, because I spent many years working in the personal insurance industry, and I never saw the words “act of God” in an insurance policy, either covering them or excluding them. I can’t say this term is not used in any insurance policy, but I have not seen it used in auto or home insurance.
It seems an act of God does have a legal definition in the USA, and this blog post will explain how it might affect you & your insurance, and how to find out what is covered by your own insurance, so you are not surprised when you have a claim, and feel ripped off.
What is an act of God?
An act of God is an inevitable accident which cannot be prevented or avoided by the acts of people. For example, a natural disaster, such as a flood, lightning, earthquake, tsunami, or tornado, may be considered an act of God.
Do Insurance Policies Exclude Acts of God?
In my experience, the answer is no, the term is not used in insurance policy language. But I am not familiar (nor is anyone) with every insurance policy from every insurance company, even for home & auto insurance.
If you want to know what is covered by your insurance, contact your agent, or your insurance company if you don’t have an agent, and have them review the limitations, exclusions, & causes of loss covered by your insurance. Ask to receive a copy of your insurance policy, and read it. Ask your agent /insurance company if you have any questions.
A common mistake people make is they buy insurance and assume they are covered for anything costly happening with their home & auto. You need to know how you are covered, before you have a claim, to know if you have the coverage you need.
Acts of God & Auto / Car Insurance
If you want to be insured against most acts of God (hurricane, lightning, flood, tornadoes, hail, etc.)for damage to your car, ask your agent about Comprehensive coverage. Comprehensive coverage is one of the two types of coverage insuring you for damage to your car, when people use the slang term, “full coverage.” The other type of coverage insuring damage to your car is Collision coverage.
If you’re car is damaged by a collision — you hit another car or object, like a tree, or another car hits you, or a shopping cart rolls into your car, or if you overturn (upset is the proper term) your car, you are covered, if the damage is more than your deductible, if you have Collision coverage.
Comprehensive coverage insures your car from damage for causes other than collision. In fact, some insurance companies call their Comprehensive coverage Other Than Collision coverage.
Both Comprehensive coverage & Collision coverage are subject to exclusions and limitations. Your claim will be denied for a collision if you intentionally hit another car.
You may consider the eventual mechanical breakdown of your car an act of God, but your auto insurance policy is not going to cover it — not because an act of God is excluded, but because damage from mechanical breakdown is excluded.
The Comprehensive coverage, if you have it on your auto insurance policy, covers damage to your car from earthquake, flood, hail, fire, and other natural disasters. Usually, any cause of damage to your car is covered, unless it is excluded.
It’s hard to find an act of God which is excluded by Comprehensive coverage. But a common exclusion is contamination from a biological or chemical agent. If the contamination is naturally occurring and inevitable, it could be considered an act of God, but once again, it is not excluded because it may be considered an act of God.
Comprehensive coverage may sound like it is expensive — anything called Comprehensive sounds like it should cost a lot more — but it is usually a lot less expensive than Collision coverage, and makes sense to have it, even on older cars, unless your car is in poor condition and of little value.
There can be important differences among insurance companies’ auto insurance policies, and you want to make sure you buy the auto insurance policy meeting your needs.
However, coverage like Comprehensive & Collision are usually standard among most insurance companies. A Comprehensive claim covered by one car insurance company will typically be covered in the same way with another car insurance company.
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This makes it easy to shop for the best price. Consider the complaint record & customer service of each insurance company, decide on the coverage you need, then insure with the best auto insurance company for you at the lowest price.
Acts of God & Home Insurance
Two big acts of God — earthquake and flood — are excluded from basic homeowners insurance policies. Some insurance companies allow you to purchase additional coverage for earthquake. Flood insurance is available as a separate insurance policy.
Homeowners insurance policies, too, have standardized coverage, and similarities among insurance companies. But unlike most auto insurance, there can be extremely important differences in coverage available from competing home insurance companies.
It’s okay to shop for the best price for home insurance, but don’t buy the cheapest home insurance policy, if there is another home insurance policy with much better coverage, at a reasonable price.
Many home insurance policies insure your home on an “open peril” basis, meaning unless the cause of damage (the “peril,” such as a hurricane or earthquake) is excluded, it is covered.
The personal property inside the house is usually insured on a “named peril” basis, meaning only the perils listed in the policy (such as “explosion,” “theft,” or “vandalism,” if they are listed as covered perils in your insurance policy) are covered.
Acts of God, which are not excluded, or specified in the policy as covered, will be insured.
I can’t stress enough it might be possible how your home insurance works may be different than I describe, so contact your agent and ask about your insurance coverage limitations and exclusions, and get a copy of your policy and read it. You can use the page on my website for home insurance coverage, to learn about common limitations & exclusions, and home insurance coverage you may need, but your agent’s insurance company may not offer.
How an Insurance Claim Can Be Denied for an Act of God
I think the most common way an insurance claim is not covered, due to an act of God, is when you place a claim against another person’s insurance.
The claim may be denied because the cause of damage is considered an act of God, and the person you think is responsible for the damage to your property (or injury to you or your family) is not legally responsible, liable, or negligent.
For example, a windstorm blows down your neighbor’s tree and it crashes into your house. You may think the owner of the tree is legally responsible for the damage caused by the falling tree, but this is rarely the case.
A tree uprooted by a severe windstorm is usually an unpreventable act (Act of God), so the owner of the tree is not liable, and the owner’s liability coverage under their home insurance will decline the claim.
However, your home insurance usually covers damage caused by a tree crashing into your home.
When it comes to insurance exclusions, excluding specific events, such as a flood by an home insurance policy, is more specific and less ambiguous, than trying to exclude “acts of God.” Make sure you know what is covered by your insurance policies, and shop for the best price for the insurance coverage you need.
What’s excluded by your home or auto insurance policy? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.
Progressive FAQ – Auto / Car Insurance
This blog post is not so much about frequently asked questions regarding Progressive car insurance, as it is information, from someone with a lot of experience selling auto insurance, about Progressive insurance, which can help you shop your auto insurance and get the best price Progressive can offer you.
For example, you can get a different price from Progressive, depending how you get a quote, and how you buy your policy. How would you feel if you buy Progressive insurance, then later find out you could have paid a lot less for the same Progressive auto insurance coverage?
Read this blog post and find out how to get the best price from Progressive. Smart car insurance shoppers know you really can save hundreds of dollars by getting price quotes from ALL the leading insurance companies each year. But you also need to know HOW to shop, to make sure each insurance company is quoting you their lowest auto insurance rates.
It would be great if auto insurance was like shopping for other items, where you could find one or two stores, like Walmart, which have the lowest prices for the items you need.
Unlike buying a big screen TV, where everyone can pay the same price from the same store, auto insurance rates vary person to person, based on your individual risk profile — your age, sex, marital status, insurance history, driving record, etc., it is impossible for anyone to tell you which insurance companies will have the best prices for you, without you checking the rates of all the leading insurance companies.
The car insurance company with the best rates for me, may have the highest rates for you, and you may be paying double what you could be paying with the car insurance company having the best rates for you.
If you move to another zip code, another insurance company may now have the best rate for you. A year from now, another insurance company may have lower rates for you, saving you a lot of money.
This is why I say to shop with all the leading insurance companies each year, to find the best rates for you, and make sure you don’t over pay for your insurance.
I don’t want to mislead you by telling you the insurance company with the best rates for me, because rather than shopping the market to find the best price, you may be tempted to contact only the one insurance company I say has good rates.
What does this have to do with Progressive? I don’t want you to forget how important it is to shop for the best car insurance rates, when I tell you Progressive insurance is very good at often having low auto insurance rates for many people.
When I first started in the insurance industry in 1990, Progressive insurance was a fairly small insurance company, selling nonstandard auto insurance through independent insurance to customers having a hard time getting car insurance, due to being recently licensed, no insurance history, driving record, or other factors.
Progressive went from a relatively small car insurance company, to the 4th largest US auto insurer in 2010, behind State Farm, Allstate, & Geico.
Progressive now sells insurance to almost all drivers — preferred, standard, or nonstandard risk, and has fueled most of its growth by extensive advertising, selling direct from the company, and competitive pricing.
A lot of consumers think Progressive is cheaper, because if you buy directly from the insurance company, Progressive does not have to pay an agent commission. But an agent’s commission is only one of many marketing expenses for an insurance company, and not having to pay a commission does not mean overall marketing expenses are less.
However, Progressive seems to know many customers buy on price alone, and Progressive is very good at offering a good price and still being profitable.
It is the main medication which is quick acting (works in 30 minutes) but is also know to be effective on the treatment of prostatitis. prostatitis treatment Male reproductive system is inadequate, which certainly leads order cheap levitra miamistonecrabs.com to the erection organs or to the penile organs is reached properly. The crystals are like tiny shards of glass that cause a great deal of inflammation and heat in the body levitra discount prices to increase power of the organ. Too often we see managers with a poor viagra generika online http://miamistonecrabs.com/girls-lacrosse/ service ethic who don’t serve the servers trying to improve customer service. Men using these drugs experience passionate and exciting lovemaking sessions with viagra samples from doctor their partner. Progressive sells auto insurance in two ways: direct from the insurance company, and through independent agents.
The price you are quoted will vary, not only whether you were quoted directly by Progressive or through an agent, but the price may vary from agent to agent.
Insurance companies have to charge the same rates they have filed with your state’s department of insurance to all customers meeting the same risk profile, so how can Progressive charge different rates for the same insurance?
Progressive can do this because Progressive is not one single auto insurance company, but an umbrella organization with MANY auto insurance subsidiaries. Each auto insurance subsidiary company has its own pricing.
Almost all insurance companies have subsidiary insurance companies. They do this to operate in certain states or regions, or for a particular market segment, such as people with preferred, standard, or high risk profiles, or for other marketing purposes.
If you go to my website, and read my Progressive Insurance Reviews, you will see Progressive has more insurance subsidiary companies than almost any of the other auto insurance companies I review.
Not all of these Progressive subsidiary insurance companies are available to all drivers in all states, but any auto insurance shopper will most likely be able to buy car insurance from several Progressive auto insurance subsidiary companies.
How do you find the cheapest Progressive auto insurance company subsidiary for you? Most likely, buying direct from Progressive will be the lowest price for you. There may be an additional discount if you buy online.
Buying direct might be the obvious way to get the lowest price, since the customer thinks they are cutting out the middle man. In my experience, independent agents selling Progressive have slightly higher rates.
However, one of the the reasons for having different car insurance subsidiaries, is to offer a subsidiary for special marketing purposes, sometimes with discounted rates, to large agencies selling a lot of auto insurance. This most likely won’t be your local independent insurance agency, but it could be a large national agency selling by phone or through the Internet, or another large organization with a special marketing relationship with Progressive.
How should you shop with Progressive? Start by getting an insurance quote through their website.
But also shop with large Independent insurance agencies on the Internet. These agencies will shop your rates with a few insurance companies, and they will let you know which one may have the best price for you. It could be their best price for you is with Progressive, at a rate lower than the Progressive rate quoted to you through the Progressive website. Or, maybe another insurance company will have the best price for you.
Selling auto insurance for a company other than Progressive, I sometimes found Progressive’s rate was hundreds of dollars less than I could offer. But sometimes, I could offer a MUCH better price than Progressive, even though the insurance company I worked for paid an agent commission.
It pays to shop with all the leading insurance companies, and if getting a low price is important to you, don’t miss out on what Progressive may be able to offer you.
What do you think of Progressive insurance? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.
American Modern Insurance Reviews, Complaint Ratings & Alternatives When Your Home Insurance is Canceled
I have blogged before about your best option, when your home insurance is being canceled by your insurance company, is to appeal your homeowners insurance cancellation, and see if your insurance company will reinstate your home insurance coverage.
Sometimes your appeal will be successful (you can click the link in the above paragraph for tips on how to appeal your insurance company’s cancellation , and keep your home insurance).
But often, you will need to find another insurance company to insure you — and most insurance companies will decline to insure your home for the same reason your old insurance company canceled your homeowners insurance policy.
My blog post today will tell you about American Modern insurance, which may be able to insure you when your home insurance company cancels your homeowners insurance, other insurance companies which may be able to help you, and what you can do to keep your insurance rates reasonable.
Even when your home insurance is canceled by your insurance company, shopping for the best deal, and speaking to several insurance agents to know your options, is something you need to do.
But clicking the link to the ad below, to have insurance agents contact you, will not work for you, due to your home insurance cancellation, because many agents will not be able to insure you.
However, if you insure your cars with the same insurance company canceling your home insurance, your auto insurance situation has changed.
Your auto insurance rates may increase greatly by losing a large multi policy discount. You need to shop your auto insurance now, to make sure you are not over-paying for your coverage. You can click the link below for auto insurance quotes. Agents will contact you with prices for auto insurance, and you can ask the agents for help or advice regarding your home insurance.
Keeping your current auto insurance company might still be a good option for you, but the cancellation of your home insurance may make you feel like you no longer wish to give your business to the same insurance company.
Homeowners insurance can be canceled for claims in the last 5 years, because the house is unoccupied or being foreclosed, because the home is in disrepair, because the home is undergoing substantial remodeling or reconstruction, or other reasons.
What are your options when your home insurance is being canceled by your insurance company?
If you have an insurance agent, your agent may be able to offer you property insurance coverage through another insurance company, like American Modern Insurance, though the coverage may be limited, and it will be more expensive.
Even “captive” agents representing primarily one insurance company, like State Farm, Allstate, Nationwide, American Family, & Farmers insurance, may sell property insurance through an insurance company like American Modern, if the primary insurance company they represent cannot insure you. However, some agents may have little experience selling this type of insurance, and may only sell it reluctantly.
A good insurance agent will be quick to let you know they still have another option for you, if your home insurance is being canceled.
If you really like your agent, ask your agent if they have another option to insure you when your home insurance is being canceled.
Your agent may have an affordable solution for you, but check with at least two other insurance agents, to see if they offer a better solution, better coverage, or a better price.
The few insurance companies willing to insure your home may differ greatly as to what coverage they will offer you, such as liability coverage, and replacement cost.
I recommend talking to at least 2 local independent agents, familiar with homeowners insurance for people having problems getting home insurance, to advise you about competing insurance company policies & coverage.
Independent insurance agents represent multiple insurance companies, and know your local insurance market. Not all independent insurance agents focus on personal insurance, but they should be able to refer you to an independent insurance agent whom can help you.
When your insurance company cancels your home insurance, they notify you in writing, and the effective date of the cancellation will be a date in the future. It is important you get replacement insurance coverage effective as of the cancel date, so you have no lapse in coverage. This may also help you get a better price, because getting home insurance coverage, once you have had a lapse in your homeowners insurance coverage, may be more expensive, or you may have less options for choosing an insurance company.
You are not going to have a lot of options to replace your home insurance once it has been company canceled, but even if you go without home insurance for a while, you should still have options.
Your last resort, is your state sponsored plan to insure homes which can’t qualify for property insurance. How to apply for this coverage will be detailed in the cancel notice you received from your insurance company. Choose this option if you have no other better choice.
Two of the leading insurance companies insuring homes & properties not qualifying for insurance elsewhere, are Foremost insurance & American Modern Insurance.
Foremost insurance, is a part of Farmers Insurance Group, and is also sold by independent insurance agents. You can find out information about Foremost, including complaint ratings, on my website at my Foremost Insurance Reviews page.
Here are the 2010 national complaint ratios for American Modern Insurance Group subsidiary companies, and my complaint ratings based on the complaint ratios, listed below.
You can find my explanation of the complaint ratios & ratings linked on my website’s home page.
American Modern Insurance has several subsidiary property insurance companies. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.
Please be aware American Family Home Insurance is a part of American Modern insurance Group and is NOT associated with American Family Insurance.
American Modern Insurance Group’s 2010 Complaint Ratings & National Complaint Ratios
American Modern Home Insurance Company = F (2.70)
American Family Home Insurance Company = C- (1.09)
American Modern Select Insurance Company = F (2.43)
American Western Home Insurance Company = A (.36)
American Southern Home Insurance Company = B- (.85)
American Modern Surplus lines Insurance Company = A+ (No complaints in 2010)
American Modern Insurance Company of Florida = A+ (No complaints in 2010)
American Modern Lloyd’s Insurance Company = F (5.43)
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Alabama Home Insurance Reviews: Complaint Rankings for 25 Major Companies
Does your homeowners insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 25 largest Alabama homeowners insurance companies, covering more than 90% of the 2010 Alabama home insurance market, and rates them based on their 2010 complaint record (2011 complaint records are not available yet). Find out the best and worst companies. Continue reading
Bicycle Accident Insurance
Per the National Highway Traffic Safety Association, 51,000 pedal cyclists were injured in motor vehicle accidents in 2009. Most bicyclists are aware of the risk of injury when sharing the road with cars. But did you know bicyclists can be sued if they are at fault for these accidents, or if the bicyclist is responsible for injuring someone while biking? Continue reading
Accident Forgiveness
If you are involved in an accident, you are 50% at fault or more, and a certain amount is paid out for the claim by the insurance company ($500, $750, or $1000, depending on the company, and sometimes state law) you will lose good driving discounts and be surcharged, sometimes as much as 40% of the base rates.
Some insurance companies will not surcharge you for your first at-fault accident if you have been at-fault accident free, and insured with them for a certain period of time, such as 5 years. This benefit is called Accident Forgiveness. Continue reading
Mortgage Protection Life Insurance: Scam?
Mortgage Protection insurance is aggressively marketed by banks & insurance agents, such as NAA — National Agents Alliance — to new & old home owners alike, so if you own a home, or you are about to buy a home, you need to know if this insurance is something you should consider buying. Continue reading
Replacement Cost Guarantee or Extended Replacement Cost Homeowners Insurance
I have mentioned before, unlike auto insurance, there can be a huge difference in the home insurance coverage offered by insurance companies. One major difference is whether an insurance company offers a guarantee to rebuild your home, no matter what the cost to rebuild it.
For example, you buy homeowners insurance, and the insurance company determines you need $200,000 to rebuild your home. 6 months later, your house burns to the ground. The actual cost to rebuild your home is $280,000. Depending on the insurance company you chose, and the coverage options they offer, you may get only $200,000 for your claim, or $240,000, if you have an extended replacement cost option, or the full $280,00 it takes to rebuild, if you have a replacement cost guarantee.
If you have the replacement cost guarantee, you will get whatever it costs to rebuild — even if it costs $500,000 — to have your house rebuilt to the same size and quality of the house before it was damaged.
So, if you have 1,200 square foot, 2 bed room, tract home, the insurance company will rebuild you a 1,200 square foot, 2 bedroom tract home, no matter what the cost, but they won’t pay more to upgrade your kitchen, give you a third bedroom, or more square footage.
I’m blogging today to explain homeowners insurance replacement cost options to rebuild your home, why they are so important, and how to find insurance companies with the best home insurance coverage options for you. Continue reading
Vanishing Deductible: Nationwide Insurance
There is some good information on the Internet reviewing Nationwide‘s Vanishing deductible option, and how it could cost some customers more money than they save by having their deductible vanish. But there is one serious misconception some of these articles make regarding why the vanishing deductible is a good idea for some customers, and an important point or two left out of other reviews of the vanishing deductible.
I’ll clear up the misconception, and explain what has been missed by other reviews, and tell you why I don’t think Nationwide’s Vanishing Deductible option is a good idea for anyone. I’ll also suggest an option on how to get a deductible credit that really saves you money, you can do with any insurance company. Continue reading
$9 Car Insurance?
I have seen ads on the Internet for Web sites promising “discount” auto insurance. I consider these ads misleading. Some ads go as far to promise a “trick” to get $9 insurance, or the government will pay half your auto insurance for you. Don’t fall for scams, but the truth is you really CAN save a lot of money on car insurance, and I’ll tell you how! Continue reading
Bad Driver Insurance Quotes: How to Shop for the Best Rates
Maybe you have a few tickets, accidents or claims on your driving record. Maybe you are recently licensed. Maybe you have not had car insurance for over 30 days. Maybe you have a child or spouse in your household with a poor driving record, uninsured accident, license suspension, DUI, or reckless driving offense. There are many situations where insurance companies may classify you as a “bad” risk, and cancel your auto insurance, or refuse to insure you. Continue reading
Best Insurance Websites: Insurance Quotes In 2012
You need to be careful when shopping for auto & home insurance on the Internet. Many insurance websites say they will provide online insurance quotes from multiple insurance companies, but they don’t give you online price quotes.
I used one of these websites once, and after I entered some information about me, my driving record, and my car, a chart popped up giving price ranges for a long list of insurance companies.
For example, Company “X” will cost me $800 to $1,500. I knew these insurance company price ranges had nothing to do with an actual insurance price quote for me, and I have no doubt everyone using the website received the same price ranges. I felt ripped off and deceived.
This blog post will discuss the pros & cons of getting insurance quotes from various websites on the Internet, what to expect, the best ways to do it, and how to avoid being misled by inaccurate price quotes. Continue reading
Car Contents Not Covered By Auto Insurance
Do you have any personal property you keep in your car? Clothes? Laptop computer? Ipod? Your child’s car seat or toys? Electronic devices? DVDs? A gym bag? An extensive CD collection? How about the items you buy after you go shopping? How about tools you keep in your pick up? What if someone broke into your car and stole them? None of these items are covered by your standard personal auto insurance policy.
I’m blogging today to help you avoid the theft of personal property from your car, know what is commonly covered and not covered, and get the insurance you need. The last thing customers want to hear when they call to report a claim is to find out they are not covered. Continue reading
Personal Liability Coverage: Slander, Libel, Defamation of Character, & More
Most people know they have personal liability insurance coverage on their home / condo / mobile home / renters insurance to protect them and their family from lawsuits if someone gets injured on their home property.
This liability coverage extends to the non-business activities for you and your resident family members, too. For example, your son accidentally injures a playmate while playing a pick-up game of baseball.
But what coverage do you have if someone sues you for libel for something your teenager said about them on the Internet? The basic homeowners, renters, condo, or mobile home insurance policy does not cover you in this situation.
Did you know, for a few dollars more a year, you can protect you and your family from lawsuits arising from false arrest, false imprisonment, wrongful eviction, wrongful detention, malicious prosecution, libel, slander, defamation of character or invasion of rights of privacy? Continue reading
Loss Assessment Coverage
If you are a home owner belonging to a homeowners association or condo association, you most likely do not have enough of an important optional insurance coverage on your home insurance or condo insurance policy, called loss assessments coverage, which can cost you tens of thousands of dollars, if not more.
Here is what could happen:
A visitor to your condo complex slips on your stairs or walkway, or in a common area, like a green way, club house, or playground, controlled by your home owners association. The visitor’s injuries from the fall are serious. The visitor sues your condo/home association, and the visitor is awarded a 1.2 million legal settlement.
Your association’s insurance policy has a one million dollar limit, leaving the association to pay the remaining $200,000. Per the association by-laws, the association assesses each home owner, in this case 20 owners, an equal portion of the amount owed due to the lawsuit. As an owner, bound by the rules of your association, you must pay a $10,000 special assessment.
Many condo insurance policies will cover this assessment only up to $1,000, and if you have a single family home, your homeowners insurance may not cover it at all. How much would you have to pay out of your own pocket if the injured visitor was awarded 5 million dollars? You might have to file bankruptcy.
Usually, you can get additional loss assessment coverage up to 50,000. Some insurance companies may offer as much as $100,000. Purchasing this extra coverage is inexpensive, and can cost less than $20 more a year.
I know from my experience working in the insurance industry, many agents or insurance companies do not discuss the importance of having enough loss assessments coverage, when selling you a condo insurance policy. They won’t include anything more than the basic $1,000 amount, if it is automatically included in the basic policy. Some insurance companies fail to do this because they do not offer increased dollar limits of loss assessment coverage.
It is even worse for single family home owners belonging to homeowners associations, where few agents will ask you if you are a member of a homeowners association. The need for loss assessment coverage is often ignored by insurance companies & agents, and customers don’t know to ask about it.
As an insurance buyer, it is up to you to educate yourself on what insurance coverage you need. Some insurance agents are very good with helping you decide on insurance coverage, but even good insurance agents sometimes let important coverage slip through the cracks.
Loss assessments coverage varies among insurance companies, so be sure to have agents explain the difference as you shop for the insurance coverage you need.
Loss assessments coverage does not cover all special assessments a condo or home association may assess you. Particularly, condo associations will have special assessments to pay for unplanned repairs & maintenance due to wear & tear, or construction defects. These things are not covered by loss assessments coverage.
For a loss assessment to be covered, the loss must be something covered under your individual home or condo insurance policy, and the assessment must be assessed to all owners.
For example, if your association owns a clubhouse, and the clubhouse burns to the ground. Fire is covered under your individual policy, so a loss assessment connected to the fire burning down the clubhouse will be covered.
However, if the clubhouse is leveled by an earthquake, and you don’t have additional earthquake coverage on your individual insurance policy, a loss assessment would not be covered.
Loss assessments coverage usually limits assessments due to your association insurance policy deductible, which can be very large, so you want to know what your share of the deductible will be, and how much coverage your loss assessment coverage provides.
You want to make sure lawsuits for bodily injury & property damage to others is covered by your loss assessments coverage, as described in the example used in the beginning of this blog post.
Some insurance companies offer broader coverage, and will extend coverage to loss assessments due to negligence or acts of the board of directors in conducting their duties, libel, slander, wrongful eviction, and other causes.
The need for having loss assessment coverage does not come up frequently, but if it does, it can cost you a lot of money by not having the proper amount of coverage.
Because most people never need it, many people, and unfortunately, a lot of insurance agents, don’t realize how much it costs to not have it, in the unlikely event they need it.
For a few dollars more a year, don’t take the chance you won’t need it. It’s easy to think you will never need it, and save a few bucks. That’s why many people are out tens of thousands of dollars, if not more, when something that won’t happen, happens to them.
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Texas Auto Insurance Reviews: Complaint Ratings for 40 Major Companies
Does your car insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your company very good, or very bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 40 largest (by Texas market share) auto insurance companies, covering over 92% of the Texas car insurance market, and rates them based on their 2010 complaint record (Accurate 2011 complaint records are not available yet). Learn which companies are best and worst. Continue reading
Progressive Name Your Own Price Auto Insurance
I saw a brief Progressive car insurance ad last night on TV promoting their name your own price online car insurance tool. This tool, available on Progressive‘s website, has been around for a couple of years, but it has not been promoted by Progressive as much recently as it was when it was first launched. Continue reading
Save $500 on Car / Auto Insurance?
Car insurance ads & commercials are everywhere these days — they are on TV, radio, the Internet, and in the mail — and it seems EVERY auto insurance company says you can save HUNDREDS of dollars if you insure with them. Continue reading
Texas Home Insurance Reviews: Complaint Ratings for 40 Big Companies
Does your homeowners insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Do you really know if your company is good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 40 largest (by Texas market share) home insurance companies, covering over 92% of the Texas home insurance market, and rates them based on their 2010 complaint record (2011 complaint records are not available yet). Learn about the best & worst companies. Continue reading
State Farm or Allstate?
State Farm is the largest auto & home insurer in the USA, and Allstate is the second largest car & homeowners insurer in the USA. Which insurance company is better? I will review the strengths & weaknesses of both insurance companies, to help you decide, if you are considering insuring with either insurance company.
Per 2010 market share data from the Insurance Information Institute, State Farm was the largest auto insurer in the US, with 18.7% of the market. Allstate is second with 10.2% of the private passenger car insurance market. For homeowners insurance, State Farm has 21.9% of the US Market, and and Allstate has 9.6% of the home insurance market.
Although these two companies are the largest, based on premium dollars, with State Farm close to double the market share of Allstate, it does not mean they are great insurance companies, or have a low price.
These two insurance companies, State Farm & Allstate, have been the biggest for decades, and many people keep paying the same insurance for years, and never shop for a better rate. Being the biggest does not, in itself, add any value for customers. If you want good insurance at a great price, shop with all the leading insurance companies, then use the information on my website to choose the insurance company with the best coverage & customer service, and the lowest rates for you.
Getting an insurance quote from State Farm & Allstate
Both State Farm & Allstate insurance have many local agents in your community, and most likely, they each have an agent’s office very close to where you live or work.
When it comes to getting a price quote, and qualifying for auto or home insurance, more people will find it easier to qualify for Allstate insurance.
State Farm, though it is a large insurer of nonstandard auto insurance, does not seek to insure “high risk” drivers. So if you have a DUI, reckless driving, license suspension, or bad credit (depending on your state’s law) with a few tickets or accidents, a State Arm agent is most likely to refer you to another insurance company or agent to help you.
Some Allstate agents may refer you to another insurance company, too. But in most areas, it is not hard to find an Allstate agent willing to quote “high risk” drivers.
Also, Allstate agents tend to ask less questions and are less rigorous to qualify you for eligibility.
For example, State Farm agents are more likely to ask you about non-related room mates when you get a quote for auto insurance, and to decline to insure you if your room mate has a bad driving record.
Many Allstate agents won’t ask you about non-related room mates, or are not concerned with them if they have their own auto insurance.
Allstate & State Farm Customer Service
State Farm wins this category, based on its lower national complaint ratings, & higher JD Power customer satisfaction ratings, which you can review at my Auto & Home Insurance Reviews Web page.
However, when it comes to insurance companies, you can have a terrible experience, even from a highly rated insurance company. If you don’t believe me, just check the Internet for your favorite insurance company, and you will find many people, fairly or unfairly, complaining about it.
The quality of your insurance agent goes a long way to give you a great customer experience, if they are willing to work on your behalf to watch over your policies, fix any problems, and prevent problems from happening.
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State Farm & Allstate Insurance Claims Handling
State Farm wins this category, too, for two reasons:
1. The JD Power ratings give State Farm a slight edge, and State Farm’s lower national complaint record — most Allstate companies are about average, but most State Farm companies have a lower than average number of valid complaints.
However, if your state compiles their own complaint information, you want to check your state’s complaint index, which you can find in my blog state reviews, or on your State’s Department of Insurance Website. An insurance company with a great national complaint record may have a poor complaint record in your state.
2. State Farm has their agents more involved in the claims process, and many State Farm agents will assist you place a claim on the other driver’s insurance, if the other driver was at fault.
Some Allstate agents oversee the claims process, but a lot of them do not get involved unless you have a problem.
Allstate has a new Claim Satisfaction Guarantee Credit in 31 states. You can read my blog post about this innovative new benefit, and possible game changer, by clicking the link in the previous sentence.
Again, whether you choose Allstate or State Farm, the difference may be made by the quality of your agent.
Another way you can find out about which auto insurance companies have an easy claims process, is to call a few local auto body shops, and ask which insurance companies they prefer to do business with.
State Farm or Allstate Coverage Options
Allstate wins this category. Although State Farm can have superior coverage to Allstate, depending on your insurance needs, Allstate has many innovative options, such as being able to purchase accident forgiveness for auto insurance, and guarantees not to cancel your policy, or raise your rates, for claims on homeowners insurance (depending on availability in your state).
Does State Farm or Allstate have the best price?
Which company has the best price for auto & home insurance? This will vary depending on your risk profile and where you live. All insurance companies advertise about how people switching to their insurance save hundreds of dollars, but not everyone they quote saves money. You have to shop with all the leading insurance companies each year if you really want to find the insurance company saving YOU hundreds on your insurance.
As for now, in my opinion, Allstate is an average insurance company, and State Farm is an above average insurance company, in a lot of states. But if Allstate quotes my insurance at a much better price, I would choose them over State Farm. If you are like me, the best insurance gives me the coverage and service I need at the best price. That’s why it pays to shop the market each year.
Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. For a lot of people, the best auto & home insurance companies are the ones with the coverage they need at a lower price. With auto & home insurance, you don’t get better service or coverage because you pay more. Some of the best companies have competitive rates. Some companies charge twice as much as others for the same coverage. But no single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you.
Which insurance company do you think is better? Allstate or State Farm? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.
Insurance Agents Work for You
One of the advantages of shopping for insurance online is you can find out the price, without having to speak with an insurance sales person, and avoid someone trying to sell you an insurance policy. But this advantage is often a disadvantage to getting the best price for your insurance.
Getting insurance quotes from all the leading insurance companies through the Internet is a great way to start shopping for your insurance, but NOT talking to the insurance company, or an agent representing the insurance company quoting you, can be a mistake causing you to pay a lot more for your insurance than you need pay. I’ll tell you how to make the insurance company or agent work for you, so you can get the lowest price for which you qualify.
When I used to sell auto & home insurance, I would contact people whom had received online insurance quotes through our company website, and review the quotes with them. Frequently, I could look at their situation, ask a few additional questions, find additional discounts, or other ways to save them money, and get them a much better price.
Insurance agents and insurance company representatives are experts on their insurance company’s rules and rating plans, so they have the knowledge to consult with you, and get you a better price, in a way your can’t do online.
For example, someone shopping for auto insurance has a car insurance history of 35 months of continuous coverage. They get a quote online showing the price for the auto insurance effective today as $500 for every 6 months.
An insurance agent calls them the following day, and tells them they qualify for an additional discount once they have 3 years of continuous insurance coverage (36 months), so if they start their auto insurance policy with an effective date a month from now, the 6 month price is $350.
That phone call from the insurance agent saved this person $300 a year. What if the person getting the quote online liked the price at $500, and bought the policy when they were quoted? They would be paying $150 more every 6 months than they need pay.
Insurance rating plans are very sophisticated these days. A good agent or insurance company representative knows the details of how to get you the best price, which you can’t do on your own, quoting yourself through an insurance company website.
Some people, shopping for a better insurance rate on the Internet, put invalid phone numbers, or do not answer or call back, when the insurance company calls them to follow up on the quote they received.
I understand why people want to avoid sales people, particularly if they expect to tell the sales person they don’t want the policy. Many people have the impression insurance sales people are like some used cars sale people, and use aggressive or persistent sales tactics. In my experience, this is very uncommon in auto & home insurance sales.
Insurance agents and companies may contact you to review the insurance quote you received online, ask you additional questions and verify information, to make sure they are getting you the best and most accurate price, ask you why you are shopping, explain to you why their insurance company is a good choice for you, and ask you to buy, or ask for a payment to start the policy. Don’t be intimidated because they want you as a customer. If you are not interested, once they have confirmed they are quoting you the best price they can offer, simply tell them why you are not interested, and politely end the call. Most insurance sales people appreciate a firm “No,” and move on to the next prospect.
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If an insurance company contacts you, following up on an online insurance quote you received, answer the phone or call them back, even if the price you received online was too expensive for you. You may be surprised how the highest price quote can turn into the best price quote by having a ten minute conversation on the phone.
In fact, if the insurance company does not contact you, it is a good idea to follow up yourself, by calling the insurance company, and having someone form the insurance company review the online insurance price quote you received.
Don’t ignore the voice mail, and fail to return the call left by the insurance company. Unless you don’t want to insure with the company, no matter how low the price, it is worth your time to have your insurance quote reviewed by an expert working for the company.
Many agents or insurance companies will try to contact you only once, but some are more persistent. Don’t expect them to take the hint you are not interested when you don’t call them back. The agent does not know if you are not interested, or simply busy, and why would you not be interested, if you requested a price quote?
A lot of customers make the mistake of insuring with the first insurance company they contact saving them money.
If you really want to save the MOST money on insurance, get quotes from all the leading insurance companies, and do not choose an insurance company, until you have had all the quotes you received, reviewed by a human being working for the insurance company. Consider the price, the advantages of each insurance company, and use my website insurance company reviews to choose the best company for you.
If an insurance company or agent contacts you, after you have had all your insurance quotes reviewed by an agent or company employee, and you have already chosen another insurance company, reply to them, by phone or e-mail, and let them know you have finished shopping, and you no longer wish to be contacted by them, unless they can offer you a better price in the future.
If the only reason you did not choose them was because of price, let them work for you, and contact you in the future, to quote you again. Rates are always changing, and the company having an expensive rate for you now, may have the best rate for you at your next policy renewal.
In the unlikely event you speak with an aggressive salesperson, and they continue to call you after you told them not to call you, ask to be placed on their company’s Do Not Call list. It can take up to 30 days for you to be added to the do not call list, but once you are on it, the individual contacting you, and the insurance company, can face steep fines if they call you again.
Do you always speak with the insurance company after getting price quotes online? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.