Insurance Company Complaint Ratings Explained

To help you choose an auto insurance company with good customer service, I have added national complaint ratios for each of the home & auto insurance companies I list on my Insurance Company Reviews Web page.

A complaint ratio of “1” is average. Less than “1” is better than average. Greater than “1” is worse than average. The lower the number, the less complaints for the insurance company. The higher the number, the more complaints filed against the insurance company. Therefore, a complaint ratio of .19, would be very good, and a complaint ratio of 7.88 should be a concern for you.

Some insurance companies listed are large organizations, and own many subsidiary insurance companies. If you are insured with Safeco, you want to know the full name of the company, such as Safeco Insurance Company of Oregon, in order to check the correct complaint ratio.

You can find the full name of your insurance company on your auto insurance ID card, or your insurance declarations page, which is sent to you each time you have a policy change, or when your insurance renews, and shows your name, address, coverage, cars, and premiums, or you can call your insurance company and ask them for the name of the subsidiary insurance company insuring you.

Although the national complaint ratio for your insurance company is very useful, you will also want to know complaint information for your insurance company for the state in which you live, when it is available.

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For example, an insurance company with few homeowners complaints in Oregon, may have a lot of complaints in the Midwest, due to the higher frequency of hail & tornadoes.

You can check your state’s insurance complaint information at my State Department of Insurance Web Sites Web page.

To make things easier for you, I will blog about the best auto & home insurance companies in each state, based on their national complaint ratios, or state complaint information, when it is available. Follow my Twitter account (CarInsWatch) to find out when I get to the state in which you live.

Ask me your auto & home insurance questions! I have 20 years experience selling & servicing auto & home insurance, and I want to help you. Reach me through my facebook page. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch. See auto & home insurance company reviews rating each company’s pricing, claims handling and customer service for over 40 different companies; customer complaint analysis for the major insurance companies in each US State; term life insurance rate surveys and more, on my home page at smartshopyourcarinsurance.com.