Does your car insurance company have a huge amount of customer complaints? Will you have any problems placing a claim, or have a valid claim delayed or denied? Is your insurance company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for fourteen major insurance companies selling auto insurance in Rhode Island, and ranks them from best to worst, based on their 2011 JD Power auto insurance customer satisfaction rating. National automobile insurance complaint ratings for their subsidiary companies are available by links to insurance company reviews on my website.
I’m always blogging to help you get the best policies and prices for auto, home, & life insurance, so bookmark or place my website in your favorites!
Not every state’s insurance department provides state complaint information. Rhode Island happens to be one of them.
A state’s department of insurance website is usually a good place to find out consumer information about insurance & insurance companies. The Rhode Island Insurance Department website does not have much state specific information for Rhode Island auto & home insurance consumers.
Quite a few states don’t provide state auto insurance complaint data, but they usually have information on insurance company market share or leading companies, so I can find the major auto insurance companies in the state. Unfortunately, The Rhode Island insurance department website was not very helpful to me finding the major auto insurance companies in the state.
Instead, I am using the largest auto insurance companies in the USA from the National Association of Insurance Commissioners (NAIC) website, and eliminating the ones not selling auto insurance in Rhode Island.
I am ranking these 14 major auto insurance companies, from best to worst, by their 2011 JD Power customer satisfaction rating: Among the best; Better than most; About average; The rest.
Most auto insurance companies are rated average by JD Power. Each insurance company is listed as a link to my website, so you can check the auto & home insurance complaint information for the company.
Insurance companies often have several subsidiary companies selling auto insurance in your state. You will need to know the correct name of the subsidiary company insuring or quoting you. For example, there are over a dozen Progressive companies, so you will need to know the quote you were offered is from “Progressive Northern Insurance Company,” to check the correct complaint rating from the insurance company reviews on my website.
Before you switch to a new auto or home insurance company, always get the quote in writing, so you can see the coverage, and you have documentation of the price you were quoted, in case there is a problem when the policy is issued. The quote they send you will have the full name of the insurance company on it. Or simply ask your agent or insurance company representative for the proper name of the insurance company insuring you, if you don’t know it.
If you want to decrease the chance of having a problem with your insurance company, go with the highest rated insurance company, although it may cost more. The good news is the best insurance companies often have very good rates — you can go with a better insurance company and save money, too!
If you are like me, the best insurance company for you has the lowest price for the coverage you need. I can put up with mediocre service if it means saving money.
People pay too much for auto & home insurance for two reasons: They don’t shop for better rates each year, and if they do shop, they don’t check the rates of ALL the major insurance companies. Be sure to shop with as many companies as you can!
If you are newly licensed, have had a lapse or been without auto insurance, or you 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 willing to insure drivers with tickets & accidents have a high number of complaints, too.
As an additional resource, if you are classified as a “high risk” driver qualifying for only nonstandard auto insurance, please see this other blog post of mine to find auto insurance companies insuring high risk drivers, so you can choose one with a good rate & a better complaint record.
If you decide to buy auto or home insurance direct from the company, without a local agent, and you have a problem, you have to deal with a call center, and you do not have an agent to provide personal service. You will have to be your own agent. Having a good agent can make insuring with even a mediocre insurance company a good experience for you.
Here is the list. Remember to shop with as many companies as possible, so you can find the best rates, service, & coverage for you.
14 Rhode Island Insurance Companies Ranked from Best to Worst by Their 2011 JD Power Auto Insurance Customer Satisfaction Rating. (Click the link for a review, including complaint information about the company).
12. Metropolitan Insurance (Metlife)
14. Infinity Insurance — Infinity specializes in nonstandard auto insurance for high risk drivers. Although it is a large national auto insurer, it was not included in JD Power’s 2011 national auto insurance survey. This should not be viewed negatively. There are many good auto insurance companies not included in JD Power’s survey.
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