Does your automobile insurance company have a huge amount of customer complaints? Will you have problems 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. This blog post provides complaint information for the 54 leading Pennsylvania insurance companies and ranks them from best to worst, based on their 2010 national automobile insurance 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 ratios, to tell you if an insurance company has a better or worse complaint record in your state, compared to competing insurance companies.
Unfortunately, not every state’s insurance department provides complaint ratios. Pennsylvania is one not providing them. The complaint ratios are needed to compare insurance companies, to see if the insurance company has a higher than average, or lower than average number of auto or home insurance complaints, adjusted based on the insurance company’s market share.
A state’s department of insurance website is usually a good place to find out consumer information about insurance & insurance companies.
Here is the link to the Pennsylvania Insurance Department Website, which I used as a resource to find the major insurance companies, covering 90.26% of the 2010 Pennsylvania auto insurance market.
As I wrote earlier in this blog post, you need to use the complaint ratio to fairly compare an insurance company’s complaint record with another insurance company’s complaint record.
I devised a letter grade system, using the national automobile insurance complaint ratios for the insurance companies listed in this blog post, to make it easy to tell an 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 (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. Geico has 4 companies on the list, Progressive has 6 companies on this list, & Allstate has 4 companies on this list. For example, Allstate Insurance Company, and Allstate Indemnity Company, are both Allstate companies, and they both sell auto insurance in Pennsylvania. Sometimes the name of the subsidiary company does not indicate the parent company. For example, Trumbull Insurance Company is a part of The Hartford. 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 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 car insurance companies often have very good rates — you can go with a better insurance company AND save money.
If you are newly licensed, or have tickets and/or accidents on your driving record, you may have fewer options finding insurance companies willing to insure you. A lot of insurance companies specializing in drivers with tickets & accidents have a high number of complaints. Please see my blog post here to find insurance companies insuring high risk drivers, so you can choose one with a good rate & a better complaint record.
Here is the list. Remember to shop with as many companies as possible, so you can find the best rates, service, & coverage for you.
54 Pennsylvania Insurance Companies Ranked from Best to Worst by Their 2010 National Auto Insurance Complaint Records
1. Harleysville Preferred Insurance Company = A+ (.20)
2. Progressive Specialty Insurance Company = A (.26)
3. Erie Insurance Company = A (.28)
4. Atlantic States Insurance Company (Donegal) = A (.31)
5. Westfield Insurance Company = A (.33)
6. State Farm Mutual Automobile Insurance Company = A (.34)
7. Allstate Fire & Casualty Insurance Company = A (.39)
8. First Liberty Insurance Corp. (Liberty Mutual) = A (.41)
9. Government Employees Insurance Company (GEICO) = A (.43)
10. Amica Mutual Insurance Company = A (.43)
11. Progressive Advanced Insurance Company = A (.47)
12. Metropolitan Property & Casualty Insurance Company (Metlife) = A- (.48)
13. Allstate Property & Casualty Insurance Company = A- (.50)
14. Geico General Insurance Company = B+ (.51)
15. Progressive Preferred Insurance Company = B+ (.51)
16. Travelers Home & Marine Insurance Company = B+ (.52)
17. Encompass Home & Auto Insurance Company = B (.53)
18. Nationwide Mutual Insurance Company = B (.54)
19. Progressive Northern Insurance Company = B (.54)
20. Donegal Mutual Insurance Company = B (.55)
21. Liberty Mutual Fire Insurance Company= B (.56)
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. TRAVCO Insurance Company (Travelers) = B (.69)
27. United Services Automobile Association (USAA) = B (.71)
28. Travelers Personal Insurance Company = B (.72)
29. Erie Insurance Exchange = B (.78)
30. Pennsylvania National Mutual Casualty Insurance Company = B (.86)
31. Nationwide Insurance Company of America = C+ (.90)
32. Allstate Insurance Company = C (.96)
33. USAA Casualty Insurance Company = C (.96)
34. Mutual Benefit Insurance Company = C (.96)
35. Progressive Casualty Insurance Company = C (.97)
36. Encompass Insurance Company of America = C- (1.09)
37. Peerless Indemnity Insurance Company = D (1.24)
38. Nationwide Affinity Insurance Company of America = D (1.26)
39. Esurance Insurance Company = D (1.30)
40. Property & Casualty Insurance Company of Hartford (The Hartford) = D (1.35)
41. Encompass Indemnity Company = D (1.36)
42. Infinity Indemnity Insurance Company = D (1.42)
43. Harleysville Mutual Insurance Company = D (1.56)
44. Geico Casualty Company = D (1.58)
45. Trumbull Insurance Company (Hartford) = D (1.61)
46. AAA Mid-Atlantic Insurance Company (Auto Club) = D (1.79)
47. Safe Auto Insurance Company = D (1.82)
48. Infinity Insurance Company = D (1.82)
49. Hartford Insurance Company of the Southeast = F (2.12)
50. Permanent General Assurance Corp. (The General) = F (2.84)
51. American Independent Insurance Company = F (3.21)
52. Victoria Fire & Casualty Company = F (3.50)
53. Access Insurance Company = F (3.59)
54. 21st Century Indemnity Insurance Company = F (4.17)
Now you know the complaint ratings for the biggest auto insurance companies in Pennsylvania. 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. Click the ad below and start shopping now!
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