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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

JD Power Customer & Claims Satisfaction Study Scores for U.S. Auto & Homeowners Insurance Companies 2012 – 2016

This review ranks the 2012-2016 JD power scores for over 30 leading auto & homeowners insurance companies in comparison to each other, so you can easily see which companies provide the best or worst auto or homeowner insurance rates, claims, and customer satisfaction over the years at a glance.

This review is divided into six sections to cover the different annual JD Power insurance studies, consisting of: 1. Company scores for auto insurance customer satisfaction, 2. Company scores for auto insurance claims satisfaction, 3. Company scores for homeowners insurance customer satisfaction, 4. Company scores for homeowners insurance claims satisfaction, 5. Companies with the best & worst satisfaction ratings for handling auto or homeowners insurance claims, 6. Companies with the best & worst auto or homeowners insurance rates. Continue reading