Nevada Home Insurance Reviews: Complaint Ratings for 25 Top Companies

Do you know if your property insurance company has a very large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your home insurance company is good or bad? Many consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the twenty-five largest Nevada home insurance companies, covering over 87% of the Nevada homeowners insurance market, and rates & ranks them, from best to worst, based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet). Continue reading

Term Life Insurance Rates: 37 Year Old Female Non Smoker

Term life insurance is affordable for everyone’s budget. How affordable is it for a woman, age 37? Term life insurance rates continue to go down, as people live longer lives, health care gets better, & because of competition among life insurance companies. If you got a term life insurance policy some years ago, you probably now can get much better rates, or you can buy a larger amount of coverage for what you are paying now. To illustrate how low term life can be for most people, I’m writing about the insurance companies with low term life rates at certain ages, for 4 different health rate classes. See below for the 5 companies with the best rates for a 20 year term life insurance policy with a $350,000 death benefit, for a thirty-seven year old female non-smoker. Continue reading

Nevada Auto Insurance Reviews: Complaint Ratings for 25 Top Companies

Do you know if your auto insurance company has a very large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your insurance company is good or bad? Many consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 25 largest Nevada auto insurance companies, covering over 76% of the Nevada car insurance market, and rates & ranks them, from best to worst, based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet).

I am always blogging to help you find the best policies & prices for auto, home, & life insurance. Please bookmark or place my website in your favorites to use when you need it!

With my state reviews, I like to use the state complaint ratios, to show you if a car insurance company has a better or worse complaint record in your state, compared to competing car insurance companies.

Unfortunately, not all state insurance departments provide complaint ratios. Nevada is one of these states not providing state insurance complaint information. Complaint ratios can be used to compare car insurance companies, to see if an insurance company has a higher than average, or lower than average number of complaints, adjusted based on the insurance company’s market share.

A state’s department of insurance website is often a great place to find out consumer information about insurance & insurance companies. Nevada has some useful information on its site which other states don’t provide, like access to policy forms, so you can see the wording of a company’s auto insurance policy before you buy it.

Here is the link to the Nevada Division of Insurance Website, which I used as a resource to find the biggest 25 companies based on their share of the 2009 (the most recent year available) Nevada auto insurance market.

Below is a list of the major auto insurance companies in Nevada, ranked by their national complaint ratios from my website. A complaint ratio of 1.00 is average. A ratio higher than one is worse than average. A ratio less than 1.00 is better than average. A complaint ratio of 0 means no complaints in 2010. The lowest complaint ratio has the best complaint record, and the highest complaint ratio has the worst complaint record.

For example, a complaint ratio of .10 has one tenth of the number of complaints (after adjusting for the company’s size) of the average company. A complaint ratio of .75 has 75% the number of claims of the average company. A complaint ratio of 3.00 has a complaint record three times the number of complaints of the average company.

I devised a letter grade system, using the national complaint ratios for the auto insurance companies in this blog post, to make it simpler to tell a car insurance company with a great or good complaint record, from a car insurance company with a poor or average complaint record.

You can go to my website to see more complaint ratios, & JD Power customer satisfaction ratings, for car 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. Remember, 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 auto insurance company.

Insurance companies frequently have several subsidiary auto insurance companies. For example, Farmers Insurance Exchange & Mid-Century Insurance Company are both a part of Farmers Insurance Group, and both sell car insurance in Nevada. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.

If you want to decrease the possibility 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 auto insurance companies can have very good rates. You can choose 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.

25 Top Nevada Auto Insurance Companies Ranked from Best to Worst, by Their 2010 National Complaint Records

1. State Farm Mutual Automobile Insurance Company = A (.34)

2. Allstate Fire & Casualty Insurance Company = A (.39)

3. Government Employees Insurance Company (A GEICO company) = A (.43)

4. Mid-Century Insurance Company (A Farmers Insurance Group company) = A- (.48)

5. Allstate Property & Casualty Insurance Company = A- (.50)

6. GEICO General Insurance Company = B+ (.51)

7. Progressive Northern Insurance Company = B (.54)

8. Liberty Mutual Fire Insurance Company = B (.56)

9. American Family Mutual Insurance Company = B (.58)

10. Infinity Auto Insurance Company = B (.60)

11. State Farm Fire & Casualty Company = B (.61)

12. GEICO Indemnity Company = B (.62)

13. Progressive Direct Insurance Company = B (.65)

14. United Services Automobile Association = B (.71) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

15. Western United Insurance Company (AAA Nevada Insurance Company) = C (.94)

16. Farmers Insurance Exchange = C (.95)

17. Allstate Insurance Company = C (.96)

18. USAA Casualty Insurance Company = C (.96) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

19. American National Property & Casualty Company (ANPAC) = C (1.00)

20. Coast National Insurance Company (A Bristol West / Farmers company) = D (1.24)

21. Sentinel Insurance Company LTD (A Hartford Company) = D (1.27)

22. Property & Casualty Insurance Company of Hartford (A Hartford company) = D (1.35)

23. Hartford Insurance Company of the Midwest (A Hartford company) = D (1.54)

24. Viking Insurance Company of Wisconsin = F (2.48)

25. American Access Casualty Company = F (5.72)

Now you know the complaint ratings for the biggest car insurance companies in Nevada.. 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.

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Term Life Insurance Rates: 37 Year Old Male Non Smoker

Term life insurance is lower in price now more than ever. How much can term life insurance be for a man, age 37? I want to show you how term life insurance can fit any body’s budget, so I’m writing a group of blog articles about the insurance companies with the lowest term life rates at a selection of ages. Term life continues to become more affordable because of advancements in medical health care, and because people are living longer lives. You should review your life insurance needs every year, to see if you still have the enough coverage, & if you can get a better deal. If you purchased a term life policy a few years ago, it is likely you can get a lower price now, or you can buy more coverage for what you currently pay. In this blog post, I tell you about the 5 insurance companies with the lowest rates for a 20 year term life insurance policy with a $350,000 death benefit, for 4 different health rate classes, for a thirty seven year old male non-smoker. Continue reading

Nebraska Home Insurance Reviews: Complaint Ratings for 12 Top Companies

Does your home insurance company have many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your company is good or bad? Most consumers fail to check the complaint records of their home & auto insurance companies. This blog post provides complaint information for twelve of the largest Nebraska home insurance companies, and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint information is not available yet). Know the best and worst home insurance companies in Nebraska! Continue reading

Term Life Insurance Rates: 36 Year Old Female Non Smoker

Term life insurance is affordable for everybody’s budget. How inexpensive is it for a woman, age 36? Term life insurance rates continue to drop, as people live longer lives, health care improves, and from competition among life insurance companies. If you bought a term life insurance policy some years ago, you might now be able to get much better rates, or you may be able to buy a larger amount of coverage for what you are paying now. To illustrate how inexpensive term life can be, I’m writing about the insurance companies with the lowest term life rates at certain ages, for 4 common health classes. Below are 5 companies with the best rates for a 20 year term life insurance policy with a $350,000 death benefit, for a thirty-six year old female non-smoker. Continue reading

Nebraska Auto Insurance Reviews: Complaint Ratings for 14 Top Companies

Does your auto insurance company have many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your insurance company is good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for 14 biggest Nebraska auto insurance companies, covering 73.96% of the Nebraska car insurance market, and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint information is not available yet). Know the best and worst auto insurance companies in Nebraska! Continue reading

Term Life Insurance Rates: 36 Year Old Male Non Smoker

Term life insurance is lower in cost now more than ever. How much is term life insurance for a man, age 36? I want to show you how term life insurance can fit any budget, so I’m writing a group of blog posts about the life insurance companies with the lowest term life rates at a selection of ages. Term life is now more affordable because of advancements in medical care, & because people are living longer lives. You should review your life insurance needs each year, to see if you still have the proper amount of coverage, & if you can get a better deal. If you purchased a term life policy years ago, it is likely you can get lower rates now, or you can buy a lot more coverage for what you currently pay. In this blog post, I give you 5 insurance companies with the lowest rates for a 20 year term life insurance policy with a $350,000 death benefit, for four different health rate classes, for a thirty six year old male non-smoker. Continue reading

Montana Home Insurance Reviews: Complaint Ratings for 12 Top Companies

Does your homeowners insurance company have a huge amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your home insurance company any good? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for 12 leading Montana property insurance companies, selling the most home insurance in the state, and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint information is not available yet). Know the best and worst homeowners insurance companies in Montana! Continue reading

Term Life Insurance Rates: 35 Year Old Female Non Smoker

Term life insurance is affordable for just about everyone. How affordable can it be for a woman, age 35? Term life rates continue to drop in recent years, as people live longer lives, health care improves, and because of life insurance company competition. If you purchased a term life insurance policy some years ago, you may now be able to get much better rates, or you can buy a larger amount of coverage for what you are paying now. To illustrate how affordable term life insurance can be, I’m writing about the insurance companies with the best rates for term life insurance at certain ages, for four common health classes. Below are five companies with the best rates for a 20 year term life insurance policy with a $350,000 death benefit, for a thirty-five year old female non-smoker. Continue reading

Montana Auto Insurance Reviews: Complaint Ratings for 16 Top Companies

Does your auto insurance company have a huge amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your insurance company any good? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for 16 leading Montana auto insurance companies, selling the most car insurance in the state, and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint information is not available yet). Know the best and worst auto insurance companies in Montana! Continue reading

Term Life Insurance Rates: 35 Year Old Male Non Smoker

Term life insurance is affordable now more than ever. How inexpensive is term life insurance for a man, age 35? To show you how term life insurance can fit any budget, I’m doing a blog series showing the life insurance companies with the best term life rates at a selection of ages. Term life is more affordable today because of advancements in health care, & because people now live longer lives. You should review your life insurance needs each year, to see if you still have the right amount of coverage, and if you can get a better deal. If you paid for a term life policy five years ago, it’s likely you can get lower rates now, or you can get more coverage for what you currently pay. In this blog post, I give you five insurance companies with the lowest rates for a 20 year term life insurance policy with a $350,000 death benefit, for 4 different health categories, for a thirty five year old male non-smoker. Continue reading

Your child and your car insurance.

Many parents wonder, “Do you have to add your teen to your auto insurance policy?” Most parents do not look forward to the day their children start driving. Not only is it a reminder your child is growing up & will soon be an adult, and a safety concern for parents, but it often means sky high auto insurance rates. Major auto insurance companies offer discounts for taking their teen driver education programs, like State Farm’s Steer Clear program, or the teenSMART driver safety program used by Allstate, AAA, and other companies. But car insurance rates with a young driver in your household — even when they qualify for discounts — can still bust your budget. Here is what you need to know about your child and car insurance, to get the best rates for you, and your child when they start driving. Continue reading

Term Life Insurance Rates: 34 Year Old Female Non Smoker

Did you know Term life insurance is affordable for just about everyone? How inexpensive can it be for a woman, age 34? Females live longer, so they get better rates than men! Term life rates continue to drop in recent years, as people live longer lives, health care keeps improving, and due to life insurance company competition. If you purchased a term life policy several years ago, you may now qualify for much better rates, or you can buy more coverage for what you are paying now. To illustrate the affordability of term life insurance, I’m posting a blog series about insurance companies with the best rates for term life insurance at certain ages. Below are 5 companies with low rates for a 20 year term life insurance policy with a $500,000 death benefit, looking at 4 health categories, for a thirty-four year old female non-smoker. Let me show you where to find a good life insurance company! Continue reading

Missouri Home Insurance Reviews: Complaint Ratings for 40 Top Companies

Do you know if your homeowners insurance company has a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Most consumers fail to check the complaint records of their insurance companies. Will your company turn out to be good or bad when you most need them? Here I provide complaint information for the 40 biggest (by Missouri market share, based on premium) home insurance companies, covering 89% of the Missouri home insurance market. I rate and rank them, from best to worst, based on their homeowners insurance complaints for the last three years, 2008 through 2010. (Accurate 2011 data not available yet). Continue reading

Term Life Insurance Rates: 34 Year Old Male Non Smoker

Term life insurance is more affordable than ever. How low can term life insurance be for a man, age 34? To show you how inexpensive it can be now, I’m doing a blog series showing the insurance companies with the best term life rates at selected ages. Term life is even more affordable today because of advancements in health care, & as we continue to live longer lives. You should review your life insurance needs each year to see if you have the right amount of coverage, and shop around to see if you can get a better deal. If you started a term life policy five years ago, it’s likely you can get lower rates now, or you can get more coverage for what you currently pay. In this blog post, I give you 5 insurance companies with low rates for a 20 year term life insurance policy with a $500,000 death benefit, over four health categories, for a thirty four year old male non-smoker. Continue reading

Missouri Auto Insurance Reviews: Complaint Ratings for 40 Top Companies

Do you know if your auto insurance company has a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Most consumers fail to check the complaint records of their insurance companies. Will your company turn out to be good or bad when you need them? Here I provide complaint information for the 40 biggest (by Missouri market share, based on premium) auto insurance companies, covering more than 88% of the Missouri car insurance market. I rate & rank them, from best to worst, based on their auto insurance complaints for the last three years, 2008 through 2010. (Accurate 2011 data not available yet). Continue reading

Term Life Insurance Rates: 33 Year Old Female Non Smoker

Did you know Term life insurance is more affordable than ever these days? How low can it be for a woman, age 33? Women live longer, so they get lower rates than men! Term life insurance prices continue to drop, as people live longer lives, & health care keeps improving. You may have taken out a term life policy several years ago, but now you could qualify for better rates, or you can take more coverage for what you are paying now. To illustrate to you how affordable term life insurance can be, I’m writing a blog series about insurance companies with the best rates for term life insurance at certain ages. Here are 5 companies with great rates for a 20 year term life insurance policy with a $500,000 death benefit, looking at four health categories, for a thirty-three year old female non-smoker. Let me show you where you can find a good life insurance company! Continue reading

Mississippi Home Insurance Reviews: Complaint Ratings for 30 Top Companies

Does your home insurance company have a very large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your company is good or bad when you need it? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 30 largest Mississippi home insurance companies & rates and ranks them, from best to worst, based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet). Continue reading