Do you know if your auto insurance company has many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your auto insurance company is good or bad when you need them to help you? Many consumers fail to check the complaint records of their auto insurance companies. This blog post provides complaint information for Thirty-five major New Hampshire car insurance companies, and rates & ranks them, from best to worst, based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet).
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With my state reviews, I like to use the state complaint statistics, to show you if a car insurance company has a better or worse complaint record in your state, compared to the state complaint record of competing car insurance companies.
Unfortunately, not all state insurance departments provide complaint ratios. The New Hampshire Insurance Department is one of the states not providing state insurance complaint information. Complaint ratios can be used to compare auto insurance companies, to see if an auto 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.
Here is the link to the New Hampshire Insurance Department Website, which I used as a resource to find the major 35 insurance companies selling auto insurance in New Hampshire.
Below is the list of the major auto insurance companies in New Hampshire, 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 .20 has one fifth 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 8.00 has a complaint record eight 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 article, to make it easy to tell an auto insurance company with a great or good complaint record, from an insurance company with a poor or average complaint record.
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, Allstate Insurance Corporation has four companies on this list — Allstate Fire & Casualty Insurance Company, Allstate Indemnity Company, Allstate Property & Casualty Insurance Company, & Allstate Insurance Company. 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 problems with your auto insurance company, go with the highest ranked 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.
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35 Major New Hampshire Auto Insurance Companies Ranked from Best to Worst by Their 2010 National Complaint Records
1. Casco Indemnity Company = A+ (No auto insurance complaints in 2010)
2. Mt Washington Assurance Corporation = A+ (No auto insurance complaints in 2010)
3. Concord General Mutual Insurance Company = A+ (.11)
4. Commerce Insurance Company = A+ (.25)
5. Allmerica Financial Benefit Insurance Company = A (.31)
6. Metropolitan General Insurance Company = A (.32)
7. State Farm Mutual Automobile Insurance Company = A (.34)
8. Inter-Insurance Exchange of the Auto Club = A (.34)
9. York Insurance Company of Maine = A (.34)
10. MMG Insurance Company = A (.38)
11. Allstate Fire & Casualty Insurance Company = A (.39)
12. Government Employees Insurance Company (A GEICO company) = A (.43)
13. Amica Mutual Insurance Company = A (.43)
14. Allstate Property & Casualty Insurance Company = A- (.50)
15. GEICO General Insurance Company = B+ (.51)
16. Travelers Home & Marine Insurance Company = B+ (.52)
17. Progressive Universal Insurance Company = B (.53)
18. Progressive Northern Insurance Company = B (.54)
19. Nationwide Mutual Insurance Company = B (.54)
20. Liberty Mutual Fire Insurance Company = B (.56)
21. Co Operative Insurance Company = B (.57)
22. Allstate Indemnity Company = B (.57)
23. State Farm Fire & Casualty Company = B (.61)
24. GEICO Indemnity Company = B (.62)
25. Progressive Direct Insurance Company = B (.65)
26. Vermont Mutual Insurance Company = B (.70)
27. United Services Automobile Association = B (.71) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
28. Teachers Insurance Company (A Horace Mann company) = C (.95)
29. Allstate Insurance Company = C (.96)
30. USAA Casualty Insurance Company = C (.96) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
31. Metropolitan Group Property & Casualty Insurance Company = C (1.03)
32. Peerless Insurance Company = D+ (1.18)
33. Safeco Insurance Company of America = D (1.32)
34. Hartford Accident & Indemnity Company (A Hartford company) = D (1.36)
35. Bristol West Insurance Company (A Farmers / Zurich company) = F (2.56)
Now you know the complaint ratings for the major car insurance companies in New Hampshire.. 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.
Do you have any questions or commentary about these New Hampshire auto insurance ratings or rankings? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.