Does your automobile 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 insurance company is good or bad when you need them to help you? Many consumers fail to check the complaint records of their home & auto insurance companies. This blog article provides complaint information for the 20 biggest North Dakota auto insurance companies, covering 80.2% of the ND auto insurance market, and rates & ranks them, from best to worst, based on their 2010 national auto insurance complaint records (Accurate 2011 complaint records are not available yet).
I am always blogging to give you the information you need to 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 an auto or home insurance company has a better or worse complaint record in your state, compared to the state complaint records of competing insurance companies.
Unfortunately, not all state insurance departments provide complaint information. The North Dakota Insurance Department does not provide state insurance complaint ratios. Complaint ratios are used to compare insurance companies, to see if an insurance company has a higher than average, or lower than average number of auto insurance complaints, adjusted based on the insurance company’s market share, or as compared with the auto insurance complaint records of other companies.
Your state’s department of insurance website is sometimes a great place to find out consumer information about insurance & insurance companies.
Here is the link to the North Dakota Insurance Department Website, which I used as a resource to find the twenty largest insurance companies (by the amount of auto insurance premium collected by the company in the state) selling automobile insurance in North Dakota.
Below is the list of the largest car insurance companies in North Dakota, ranked by their national automobile insurance complaint ratios from my website. A complaint ratio of 1.00 is average. A ratio larger than 1.00 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, & the highest complaint ratio has the worst complaint record.
For example, a complaint ratio of .10 has ten 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 5.00 has a complaint record five 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’s 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 deciding on an auto insurance company.
Insurance companies frequently have several subsidiary auto insurance companies. For example, American Family has two companies on this list — American Family Mutual Insurance Company and American Standard Insurance Company of WI. 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, insure with the highest ranked car insurance company — even if it costs more. The good news is the best automobile 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.
20 Top North Dakota Auto Insurance Companies Ranked from Best to Worst by Their 2010 National Auto Insurance Complaint Records
1. Center Mutual Insurance Company = A+ (No auto insurance complaints in 2010)
2. Owners Insurance Company (Auto-Owners) = A+ (.19)
3. Nodak Mutual Insurance Company = A (.26)
4. Grinnell Select Insurance Company = A (.33)
5. State Farm Mutual Automobile Insurance Company = A (.34)
6. MemberSelect Insurance Company (AAA / Auto club) = A (.37)
7. Meridian Security Insurance Company (State Auto) = A (.42)
8. Progressive Northwestern Insurance Company = A- (.49)
9. American Family Mutual Insurance Company = B (.58)
10. Dakota Fire Insurance Company = B (.58)
11. National Farmers Union Property & Casualty Company (NOT part of Farmers Insurance Group) = B (.61)
12. State Farm Fire & Casualty Company = B (.61)
13. Progressive Direct Insurance Company = B (.65)
14. North Star Mutual Insurance Company = B (.68)
15. United Services Automobile Association = B (.71) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
16. Farmers Insurance Exchange (Farmers Insurance Group) = C (.95)
17. Allstate Insurance Company = C (.96)
18. American Standard Insurance Company of WI (American Family) = D+ (1.17)
19. Safeco Insurance Company of America = D (1.32)
20. Grinnell Mutual Reinsurance Company = D (1.54)
Now you know the complaint ratings for the major car insurance companies in North Dakota. 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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