JD Power 2012 West Region Auto Insurance Study: Summary, Conclusions, & Shopping Tips

Here is my summary, conclusions, and shopping tips regarding the 2012 JD Power West Region auto insurance survey, measuring car insurance customer satisfaction in 10 Western states: Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming. Remember, each state’s automobile insurance market is unique. The top insurance companies in Washington, Wyoming, and Arizona are likely to be different companies. Any of the companies on this list, and even smaller companies not making the list, might be the company saving you hundreds of dollars on your auto insurance. If you don’t want to grossly over-pay for auto insurance coverage, decide on the coverage you need, and get quotes for the same coverage from all the companies on this list, to find the companies with good service and competitive rates. Continue reading

JD Power 2012 West Region Auto Insurance Study: Companies Rated Below Average

This blog post will review the remaining 4 lowest rated companies, each rated at 2 power circles (the rest) for Overall Customer Satisfaction, of the eleven companies included in the JD Power 2012 auto insurance study, covering the states in the Western part of the USA. My first blog post for this regional study, analyzing the ratings of the companies considered among the best in the West region, notes the states included in the study. I’ll note the specific states again in my next post, which will summarize the West region study results.

Your inclination may be to want to know the names of the lowest rated companies in this regional study, so you can avoid them, or to find out if your auto insurance company is one of the lowest rated companies. When you look at the study results beyond the power circle ratings, you learn some of the highest rated companies are not so good, and some of the lowest rated companies are not so bad. The information in this blog post will help you decide if you should consider insuring with any of these companies ranked at the bottom of this study. Continue reading

JD Power 2012 West Region Auto Insurance Study: Companies Rated About Average

My last blog post showed you the two top rated companies in the JD Power West region auto insurance survey. But one of them limits eligibility to members of the military and their immediate family (USAA), and the other company, State Farm, did not score high enough above the region average, to make it worth paying a lot more, if State Farm does not have a competitive auto insurance rate for you. If USAA and State Farm won’t work for you, there are a few companies rated about average in the West region study you should consider. Also, if you live in the Western portion of the United States, and you are not insured with USAA or State Farm, it’s important to know how your auto insurance company ranked in this study. Continue reading

JD Power 2012 West Region Auto Insurance Study: Companies Rated Among the Best

Continuing with my review of the seven regional auto insurance customer satisfaction studies completed in 2012 by JD Power, this is my first blog post for the West region, reviewing the highest rated companies in the second regional study, covering the western states of AZ, CO, ID, MT, NV, NM, OR, UT, WA, & WY. As you will find out from reading this blog post, the 5 power circle rating used by JD Power to rate companies performing among the best in the study, can mislead you about the true quality of customer satisfaction for these companies, compared to other, seemingly lower rated companies. I dig deeper into the study results, beyond the Overall Customer Satisfaction rating, to give you more useful information to help you decide on an auto insurance company, and avoid paying more for a company with the false expectation of astounding customer service. Continue reading

My Sister’s Auto Insurance Paid to Defend Her Killer?

Social media is buzzing about this blog post, written by New York Comedian Matt Fisher, describing his family’s ordeal settling a claim with Progressive auto insurance over the death of his sister in an auto accident in 2010. I’m taking time out, from my continuing analysis of the latest JD Power auto insurance study, to discuss this difficult and poorly handled claim, and make a few points I think are important to the insurance-buying public. Continue reading

JD Power 2012 US Auto Insurance Study: Summary, Conclusions, & Shopping Tips

Before I write my summary of my analysis of the results for the JD Power 2012 California region auto insurance study, let me explain how to use the summaries I’m writing for the seven regional studies, making up the JD Power 2012 US auto insurance company customer satisfaction study, so you can find the auto insurance company with the best combination of coverage, service, & price for you.

I don’t think many auto insurance buyers choose a company on service alone, without consideration of price. So, I will list the companies rated by JD Power for each regional survey summary, from best to worst, discuss their strengths & weaknesses, and tell you which type of customers should get a quote from them. Continue reading

JD Power 2012 California Region Auto Insurance Study: Companies Rated Below Average

This blog post finishes my review of the car insurance companies rated by the JD Power 2012 California region auto insurance study. Was your auto insurance company rated less than “about average” for customer satisfaction? Was it classified with the lowest rating of 2 power circles? JD Power diplomatically refers to companies with the 2 power circle rating as “the rest.” The good news is some of the companies scoring below the California regional average score are not far below the average. I will review the company scores, and the factors leading to the scores, such as Billing & Payment or Pricing, and let you know if you should be looking for a better company. Some of these companies you may want to avoid, but some of them may meet your insurance needs at a great price. I’ll give you the information behind the power circle rating for each of the companies below the California average, to help you make better decisions when choosing an auto insurance company. Continue reading

JD Power 2012 California Region Car Insurance Study: Companies Rated About Average

Here’s my next blog post in my series analyzing the company ratings for the 7 regional surveys composing the JD Power 2012 US auto insurance study. A prospective customer needs to know more about the information provided in the study, than an insurance company’s power circle rating for overall customer satisfaction, to choose the best car insurance company for them. In my last blog post, I showed how the companies rated “better than most” did not have scores much above average.

I think people make a mistake if they only consider insuring with companies rated 4 or 5 power circles, without considering the companies rated “about average.” Today, I will review the highest scores for the auto insurance companies rated 3 power circles, and factors considered in the Overall Satisfaction score. Continue reading

JD Power 2012 California Region Auto Insurance Study: Companies Rated Better Than Most

My last blog post told you about the two highest rated companies for customer satisfaction in the JD Power 2012 California region auto insurance study. The top company was USAA, but it restricts eligibility for its insurance to the military. The only other company in the California survey to receive a 5 power circle rating, was Wawanesa, and its score was not much higher than the companies rated 4 power circles.

Now, I examine the numbers and considerations behind the companies rated 4 power circles (Better than most), to let you know my thoughts about what the JD Power survey results really say about these companies. Continue reading

JD Power 2012 California Region Auto Insurance Study: Companies Rated Among the Best

Which auto insurance companies in California received the best rating — 5 power circles (Among the best) — for customer satisfaction by JD Power in 2012? I’ll tell you not only the companies with the top ratings, but how I think you should consider each company’s rating, and how it compares with other leading companies. I’ll help you avoid the mistake of paying too much for car insurance, because of the possibly false expectation of excellent customer service. If you look at the JD Power number scores behind the power circle ratings, you will find some companies rated among the best may not be really much better than other companies. Continue reading

Term Life Insurance Rates: 63 Year Old Male Non Smoker

Term life insurance at age sixty-three costs more than it does for younger people in their twenties or thirties, but it’s more affordable than you may think. This blog post will show you the life insurance companies with the lowest rates for a ten year term policy for a 63 year old man, at different amounts of coverage for 4 health rating categories, to help you shop for the best coverage for you & your budget. Continue reading

JD Power 2012 US Auto Insurance Study: Customer Satisfaction Factors

Before I review the results of the JD Power 2012 US Auto Insurance study, for each of the seven regions where auto insurance companies are rated, I want to explain the individual factors, such as Pricing and Billing & Payment, which make up the Overall Satisfaction rating for each auto insurance company included in the study.

Survey results for at least one of these factors may have no relevance for you as a customer, and performing well or poorly in one of the factors, may distort the Overall Satisfaction rating in a way which may mislead you, and cause you to choose or avoid the wrong insurance company.
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