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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