Does your auto insurance company have a high number of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Is your car insurance company good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 25 biggest (by Florida market share) auto insurance companies, and rate them based on their 2010 Florida auto insurance complaint index. I also list another 12 companies with a high number of complaints, when compared to their market share. Find the best & avoid the worst auto insurance companies!
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The Florida Office of Insurance Regulation website is the source of my information about market share & complaint data. I provide the Florida complaint index for each auto insurance company, but I devised a letter grade system to make it easy to tell an auto insurance company with a great or good complaint record, from an auto insurance company with a poor or average complaint record.
Here is my grading system. I also list the Florida complaint index number. The lower the number the better the complaint record is for the company. A complaint index of 1.00 is average. Greater than 1.00 is worse than average, and less than 1.00 is better than average.
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 a car insurance company.
Insurance companies frequently have several subsidiary auto insurance companies. For example, Government Employees Insurance Company is a part of GEICO. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.
25 Auto Insurance Companies Rated & Ranked, from Best to Worst, by their 2010 Florida Auto Insurance Complaint Record
1. Travelers Home & Marine Insurance Company = A+ (.0665)
2. State Farm Fire & Casualty Company = A+ (.1174)
3. Depositors Insurance Company (An Allied company) = A (.3001)
4. United Services Automobile Association = A (.3019)
5. Government Employees Insurance Company (A GEICO company) = A (.3302)
6. Progressive America Insurance Company = A (.3346)
7. Allstate Property & Casualty Insurance Company= A (.3636)
8. Allied Property & Casualty Insurance Company = A (.3636)
9. Allstate Fire & Casualty Insurance Company = A- (.3753)
10. Progressive Select Insurance Company = A (.3761)
11. State Farm Mutual Automobile Insurance Company = A (.4251)
12. Safeco Insurance Company of Illinois = A (.4317)
13. Allstate Indemnity Company = A (.4609)
14. Geico General Insurance Company = A- (.4832)
15. USAA Casualty Insurance Company = A- (.4840)
16. Mercury Insurance Company of Florida = B+ (.5178)
17. Allstate Insurance Company = B (.6398)
18. GEICO Indemnity Company = B (.6953)
19. Liberty Mutual Insurance Company = B (.7661)
20. Metropolitan Casualty Insurance Company = B (.8125)
21. Infinity Auto Insurance Company = D+ (1.1826)
22. Security National Insurance Company = D (1.2429)
23. Esurance Insurance Company = D (1.3659)
24. United Automobile Insurance Company(NOT a part of USAA) = F (3.1565)
25. Direct General Insurance Company = F (8.4666)
Here are 12 additional companies, not on the list above, with a high number of complaints compared to their market share. I do not list any companies with less than 7 auto insurance complaints in 2010, since some smaller auto insurance companies have a high complaint index with only 1 or 2 complaints. If you are insured with any of the insurance companies listed below, you should seriously consider switching to another auto insurance company.
12 Auto Insurance Companies with a High Number of Florida 2010 Auto Insurance Complaints
1. Progressive Express Insurance Company = D-(1.8415)
2. Kingsway Amigo Insurance Company = F (2.3863)
3. MGA Insurance Company, Inc. = F (3.0509)
4.Explorer Insurance Company = F (5.0106)
5. First Acceptance Insurance Company, Inc. = F (5.4508)
6. GEICO Casualty Company = F (5.5646)
7. Equity Insurance Company = F (5.7923)
8. AssuranceAmerica Insurance Company= F (6.6850)
9. Seminole Casualty Insurance Company = F (6.7910)
10. Ocean Harbor Casualty Insurance Company = F (9.1418)
11. Windhaven Insurance Company = F (10.2376)
12. Bristol West Insurance Company = F (36.7290)
Now you know how the largest auto insurance companies in Florida are rated for complaints, go and shop your car insurance. You can get better rates AND better service!
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