Does your auto insurance company have many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your car insurance company is good or bad when you need them to help you? Many consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 43 biggest New Mexico auto insurance companies, and rates & ranks them, from best to worst, based on their 2010 national auto insurance complaint record (Accurate 2011 complaint records are not available yet).I am always blogging to help you choose the best policies & rates for auto, home, & term 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 your state’s complaint data, to show you if a company has a better or worse auto insurance complaint record in your state, compared to the state auto insurance complaint records of competing car insurance companies.
Unfortunately, not all state insurance departments provide complaint information. The New Mexico Insurance Department does not provide state insurance complaint ratios. 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 car insurance complaints, adjusted based on the insurance company’s market share, or as compared with other companies.
Your 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 Mexico Department of Insurance Website, which I used as a resource to find the forty three largest insurance companies (by total amount of auto insurance premium collected by the company in the state) selling auto insurance in New Mexico.
Below is the list of the major car insurance companies in New Mexico, ranked by their national car insurance complaint ratios from my website. A complaint ratio of 1.00 is average. A ratio larger than one is worse than average. A ratio less than 1.00 is better than average. A complaint ratio of 0.00 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 .40 has forty percent of the number of complaints (after adjusting for the company’s size) of the average company. A complaint ratio of .80 has 80% of the number of claims of the average company. A complaint ratio of 6.00 has a complaint record six times the number of complaints of the average company.
I devised a letter grade system, using the national complaint ratios for the car insurance companies in this blog article, to make it easy 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.
Here is my grading system. I also list each company’s national auto insurance 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, GEICO has three companies on this list — GEICO General Insurance Company, Government Employees Insurance Company, and GEICO Indemnity 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 chance of problems with your auto insurance company, choose the highest ranked car insurance company — even if it costs more. The good news is the best car insurance companies often 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.
43 Top New Mexico Auto Insurance Companies Ranked from Best to Worst by Their 2010 National Auto Insurance Complaint Records
1. Pacific Indemnity Company (A Chubb & Son company) = A+ (No auto insurance complaints in 2010)
2. State Farm Mutual Automobile Insurance Company = A (.34)
3. Farmers Insurance Company of AZ = A (.36)
4. American Bankers Insurance Company of Florida (An Assurant company) = A (.36)
5. Allstate Fire & Casualty Insurance Company = A (.39)
6. Central Mutual Insurance Company = A (.39)
7. Government Employees Insurance Company (GEICO) = A (.43)
8. USAA General Indemnity Company = A (.44) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
9. Mid-Century Insurance Company (Farmers Insurance Group) = A- (.48)
10. Allstate Property & Casualty Insurance Company = B+ (.50)
11. GEICO General Insurance Company = B+ (.51)
12. Progressive Preferred Insurance Company = B+ (.51)
13. 21st Century North America Insurance Company = B+ (.52)
14. Travelers Home & Marine Insurance Company = B+ (.52)
15. Amco Insurance Company (An Allied company) = B+ (.52)
16. Progressive Northern Insurance Company = B (.54)
17. Liberty Mutual Fire Insurance Company = B (.56)
18. Farm Bureau Property & Casualty Insurance Company (IA Farm Bureau Group) = B (.60)
19. Garrison Property & Casualty Insurance Company (USAA) = B (.60) (USAA sells only to the military, their immediate family members, and honorably discharged veterans)
20. State Farm Fire & Casualty Company = B (.61)
21. GEICO Indemnity Company = B (.62)
22. Progressive Direct Insurance Company = B (.65)
23. Great Northwest Insurance Company (Ocean Harbor Group) = B (.67)
24. United Services Automobile Association = B (.71) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
25. California Casualty Indemnity Exchange = B (.81)
26. Allstate Insurance Company = C (.96)
27. USAA Casualty Insurance Company = C (.96) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
28. American National Property & Casualty Company = C (1.00)
29. National General Assurance Company = D (1.22)
30. Hartford Underwriters Insurance Company = D (1.26)
31. Sentinel Insurance Company LTD (The Hartford) = D (1.27)
32. Nevada General Insurance Company (A Mutual of Enumclaw company) = D (1.29)
33. Safeco Insurance Company of America = D (1.32)
34. Unitrin Auto & Home Insurance Company (Kemper) = D (1.37)
35. Metropolitan Property & Casualty Insurance Company = D (1.39)
36. Peak Property & Casualty Insurance Company (A Sentry company) = D (1.70)
37. Financial Indemnity Company (Kemper / Unitrin) = D- (1.96)
38. MGA Insurance Company Inc. = F (2.16)
39. Safeway Insurance Company = F (2.34)
40. Viking Insurance Company of Wisconsin = F (2.48)
41. Bristol West Insurance Company (A Farmers / Zurich company) = F (2.56)
42. Affirmative Insurance Company = F (5.11)
43. Hallmark Insurance Company = F (6.23)
Now you know the complaint ratings for the major car insurance companies in New Mexico. 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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