The JD Power 2011 auto insurance study was published at the end of June. My Web site has been updated, & you can find the latest ratings at insurance company complaints & ratings for all the leading auto & home insurance companies.
There have been significant changes from the JD Power 2010 auto insurance study, and several major auto insurance companies have been downgraded, and are no longer considered “about average” for overall customer satisfaction.
I am blogging here to point out the downgrades & upgrades, then I will consider the winners & losers of the study.
Let me start with good news for Ameriprise auto insurance policyholders. Ameriprise auto insurance has been upgraded from the 2010 JD Power study, from about average (3 power circles) for overall satisfaction, to better than most (4 power circles) for overall satisfaction, by the 2011 study.
A very likely reason for the upgrade is Ameriprise now has a 5 power circle rating (among the best), for the individual category of pricing, in the 2011 study. It may be too obvious to mention, but pricing has a huge impact on overall customer satisfaction with insurance companies. For many customers, price is all they care about when it comes to auto insurance.
However, consider surveys about great pricing with a grain of salt. No single auto insurance company has the best price for all consumers in every community. People participating in the survey may be happy with their rates, but they me be unaware they can get a better price with another insurance company if they shopped.
Even if many survey responders have shopped all the leading companies, and found Ameriprise to have the best price for them, it does not mean much to you if you shop and find Ameriprise more expensive than other auto insurance companies for your car(s).
Surveys may point out good companies for you to contact for a quote, but the only way for you to find the best price is to shop with all the leading insurance companies. See my Web site for the tools you need to find the lowest-priced auto insurance for you.
Ameriprise sells directly to the public, and markets through a relationship with Costco. Ameriprise does not advertise as much as other companies, so if you want a quote, you should contact them. Ameriprise is selective, so not all drivers will qualify for coverage. Here is their Web site: Ameriprise Auto & Home Insurance.
Now, the bad news: several large auto insurance companies are now rated below average, at 2 power circles, which JD Power inoffensively labels as “the rest.” Here are the downgrades.
Auto Insurance Companies downgraded from 3 power circles (about average), in the JD Power 2010 auto insurance study, to 2 power circles (the rest), in the JD Power 2011 auto insurance study, for overall satisfaction.
1. Auto Club Group
2. Esurance
3. Farmers Insurance
4. Nationwide Insurance
5. Travelers Insurance
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Geico was also downgraded from 4 power circles (better than most) to 3 power circles (about average), for overall satisfaction in the 2011 JD Power study.
Here is one man’s (me) sorting out of the winners & losers from the JD Power 2011 auto insurance study:
WINNERS
5 Power Circles (among the best)
Amica
New Jersey Manufacturers
USAA
4 Power Circles (better than most)
Auto-owners Insurance
Erie Insurance
Shelter Insurance
State Farm
LOSERS
2 Power Circles (the rest)
Auto Club Group
Esurance
Encompass Insurance
Farmers Insurance
GMAC Online Insurance
Hanover Insurance
Metlife Insurance
Nationwide Insurance
Travelers Insurance
TWO-TIME LOSERS
2 Power Circles (the rest) for the JD Power 2011 auto insurance study & for the JD Power 2010 auto claims satisfaction survey.
21st Century Insurance
Commerce Insurance
Mercury Insurance
Many people pay too much for their insurance because they never shop for better rates. When people do shop, they don’t check the rates of enough companies. Some companies charge twice as much as others for the same coverage. But no company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you.
What is your experience with auto insurance companies? Leave me a comment on my facebook page. In future blog posts, I will review individual auto & home insurance companies, and I will take a closer look at their complaint records & JD Power ratings. Follow me on Twitter to keep up on which companies I’ve reviewed, & new blog entries at CarInsWatch. See auto & home insurance company reviews rating each company’s pricing, claims handling and customer service for over 40 different companies; customer complaint analysis for the major insurance companies in each US State; term life insurance rate surveys and more, on my home page at smartshopyourcarinsurance.com.