Does your car insurance company have many customer complaints? Will you have 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 automobile insurance companies. This blog post provides complaint information for the 50 largest insurance companies insuring private passenger autos in Virginia and ranks them from best to worst, based on their 2010 national auto insurance complaint record (Accurate 2011 complaint records are not available yet).
Visit my site to get price quotes, complaint statistics, and customer service & claims satisfaction ratings for all the leading auto & home insurance companies in the USA. How is your insurance company rated? Does it have a lot of customer complaints? Find out at my home page and CLICK HERE!
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!
With my state reviews, I try to use state complaint data, 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 information. Virginia is one of them. Some states develop complaint ratios, to compare insurance companies and see if an insurance company has a higher than average, or lower than average number of 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 Virginia Bureau of Insurance Website, which I used as a resource to find the 50 biggest companies by Virginia auto insurance market share.
As I wrote earlier in this blog post, it helps to have a 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 auto insurance complaint ratios for the companies on the list below, 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.
Visit my website for more complaint ratios, and JD Power customer satisfaction & complaint satisfaction ratings, for auto insurance companies (or to find complaint information regarding home insurance) not on this list.
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. For example, Geico has 4 companies on the list, including Geico General Insurance Company & Geico Casualty Company.
Some company names do not indicate their parent company. For example, Garrison Property & Casualty Insurance Company is a part of USAA. 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.
Here is the list. Remember to shop with as many companies as possible, so you can find the best rates, service, & coverage for you. Not all these companies may be selling new auto insurance policies. You may not be eligible or qualify for every company. Don’t worry. There are many good insurance companies wanting your business. If you have problems qualifying for auto insurance because of your driving record or insurance history, start with these insurance companies selling nonstandard auto insurance.
50 Virginia Car Insurance Companies Ranked from Best to Worst by Their 2010 National Auto Insurance Complaint Records
1. Virginia Farm Bureau Mutual Insurance Company = A+ (No auto insurance complaints in 2010)
2. Cincinnati Insurance Company = A+ (.16)
3. Progressive Gulf Insurance Company = A+ (.17)
4. Virginia Farm Bureau Town & Country Insurance Company = A+ (.18)
5. LM Insurance Corporation (Liberty Mutual) = A+ (.23)
6. Integon Casualty Company = A (.30)
7. State Farm Mutual Automobile Insurance Company = A (.34)
8. Allstate Fire & Casualty Insurance Company = A (.39)
9. Amica Mutual Insurance Company = A (.43)
10. First Liberty Insurance Corporation (Liberty Mutual) = A (.43)
11. Government Employees Insurance Company (GEICO) = A (.43)
12. USAA General Indemnity Company = A (.44)
13. Progressive Advanced Insurance Company = A (.47)
14. Metropolitan Casualty Company (Metlife) = A- (.48)
15. Allstate Property & Casualty Insurance Company = A- (.50)
16. Geico General Insurance Company = B+ (.51)
17. Travelers Home & Marine Insurance Company = B+ (.52)
18. Progressive Universal Insurance Company = B (.53)
19. Nationwide Mutual Insurance Company = B (.54)
20. Mercury Casualty Company = B (.55)
21. Liberty Mutual Fire Insurance Company = B (.56)
22. Allmerica Financial Alliance Insurance Company (Hanover) = B (.57)
23. Allstate Indemnity Company = B (.57)
24. Donegal Mutual Insurance Company = B (.57)
25. Garrison Property & Casualty Insurance Company (USAA) = B (.60)
26. State Farm Fire & Casualty Company = B (.61)
27. Geico Indemnity Company = B (.62)
28. Progressive Direct Insurance Company = B (.65)
29. United Services Automobile Association (USAA) = B (.71)
30. Nationwide Mutual Fire Insurance Company = B (.71)
31. Nationwide General Insurance Company = B (.75)
32. Erie Insurance Exchange = B (.78)
33. 21st Century Centennial Insurance Company = B (.83)
34. Farmers Insurance Exchange = C (.95)
35. Allstate Insurance Company = C (.96)
36. USAA Casualty Insurance Company = C (.96)
37. General Insurance Company of America = C (1.06)
38. Travelers Property Casualty Insurance Company of America = D+ (1.19)
39. Metropolitan Direct Property & Casualty Insurance Company (Metlife) = D (1.21)
40. Bristol West Casualty Insurance Company = D (1.28)
41. Esurance Insurance Company = D (1.30)
42. Property & Casualty Insurance Company of Hartford (The Hartford) = D (1.35)
43. Alfa Specialty Insurance Company = D (1.49)
44. Travelers Property Casualty Insurance Company = D (1.53)
45. Geico Casualty Company = D (1.58)
46. Trumbull Insurance Company (Hartford) = D (1.61)
47. Alfa Alliance Insurance Corporation = D (1.68)
48. Agency Insurance Company of Maryland Inc. = F (2.27)
49. Victoria Fire & Casualty Insurance Company = F (3.50)
50. Alfa Vision Insurance Corporation = F (3.75)
Now you know the complaint ratings for the biggest auto insurance companies in Virginia. 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!
Do you have any questions or commentary about these Virginia auto insurance ratings or rankings? Tell me about it. Please leave a comment on my facebook page. Or, you can e-mail me at email@example.com if you have questions and would like my help. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.