Auto Club of Southern California Insurance Review: Auto Insurance & Homeowners Insurance Complaint Ratings

How is the customer service and claims handling at Auto Club of Southern California (Interinsurance Exchange of Auto Club)? How good is Auto Club of Southern California‘s auto insurance & homeowners insurance? This blog entry helps you answer these important questions and decide if Auto Club of Southern California is best for you! Continue reading

American National Property & Casualty Insurance Review: Auto Insurance & Home Insurance Complaint Ratings

How is the customer service and claims handling at American National Property & Casualty (ANPAC) insurance company? How good is ANPAC‘s auto insurance & homeowners insurance? This blog entry helps you answer these important questions and decide if American National is best for you! Continue reading

Hartford Insurance Reviews: Complaint Ratings for Auto Insurance & Homeowners Insurance

How is the customer service and claims handling at Hartford Insurance Company? How good is The Hartford‘s auto insurance & homeowners insurance? This blog entry helps you answer these important questions and decide if Hartford Insurance Company is best for you! Continue reading

Amica Insurance Reviews: Auto Insurance & Homeowners Insurance Complaint Ratings

What type of customer service and claims handling can you expect from Amica Insurance home insurance & car insurance policies? This blog post provides the information you need to help you decide if Amica is best for you! Continue reading

GMAC Insurance Reviews: Complaint Ratings for Auto Insurance

How is the customer service and claims handling at GMAC Insurance Company? How good is GMAC Auto Insurance? This blog entry helps you answer these important questions and decide if GMAC Insurance Company is best for you! Continue reading

Country Companies Insurance Reviews: Complaint Ratings for Auto & Homeowners Insurance

How is the customer service and claims handling at Country Financial Insurance Company? How good is Country Companies Insurance‘s auto insurance & homeowners insurance? This blog entry helps you answer these important questions and decide if Country Insurance Company is best for you! Continue reading

Farmers Insurance Reviews: Complaint Ratings for Auto & Homeowners Insurance

How is the customer service and claims handling at Farmers Insurance Company? How good is Farmers Insurance Group‘s auto insurance & homeowners insurance? This blog entry helps you answer these important questions and decide if Farmers Insurance Company is best for you! Continue reading

Esurance Insurance Reviews: Complaint Ratings for Auto Insurance

Seen any Esurance commercials? Do you wonder about the customer service and claims handling at Esurance Insurance Company? Is it good because Esurance is now owned by Allstate insurance? Do you login to Esurance Insurance Company‘s online auto insurance? This blog entry helps you decide if Esurance Insurance Company is best for you! Continue reading

Improve Your Auto Insurance Credit Score & Lower Your Rates This Year!

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Hawaii Auto Insurance Reviews: Complaint Ratings for the Top Companies

Does your auto insurance company have many complaints? Will you have a problem placing a claim, or have a valid claim delayed or denied? Is your company going to provide you with a good or bad experience? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 11 largest auto insurance companies, covering 95% of the Hawaii auto insurance market, and rank them, from best to worst, based on their 2009 Hawaii auto insurance complaint ratios (2009 is the most recent year for which state data is available). Continue reading

Indiana Auto Insurance Reviews: Complaint Ratings for 60 Major Companies

Does your auto insurance company have a lot of complaints? How good is your company? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 60 largest (by Indiana market share) auto insurance companies, and rank them from best to worst based on their 2010 complaint record (Accurate 2011 complaint record not available yet). Continue reading

Term Life Insurance Rates: 21 year old Male Non-Smoker

Term life insurance is very inexpensive. How affordable is it for a man, age 21? To show you how inexpensive it can be, I’m doing a series of blog posts with term life rates, for the insurance companies with the best prices, at various ages. Here are the 5 life insurance companies with the lowest price for a 20 year term life insurance policy for $500,000, over 4 health categories for a 21 year old male non-smoker. Continue reading

Arkansas Auto Insurance Reviews: Complaint Ratings for 20 Major Companies

Does your auto insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 20 largest Arkansas car insurance companies, covering 80% of the 2010 Arkansas car insurance market, and rates them based on their 2010 national complaint record (2011 complaint records are not available yet). I also include a list of the top 10 auto insurance companies with the most confirmed complaints in 2010 made by customers in Arkansas.Know the best and worst companies in Arkansas.

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 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. Arkansas happens to be one of them. Arkansas does provide the number of confirmed complaints made against each car insurance company in Arkansas.

But the complaint ratio is needed to compare car insurance companies, to see if the insurance company has a higher than average, or lower than average number of complaints, adjusted based on the insurance company’s market share.

For example, State Farm Mutual Automobile Insurance Company, and Farmers Insurance Company, Inc. each had 7 confirmed auto insurance complaints in Arkansas for 2010.

But the State Farm company’s market share is over 22%, and the Farmers company is only close to 5%. The State Farm company has more than 4 times the number of customers than the Farmers company, but the same number of complaints.

A smaller car insurance company may have 3 complaints, equaling 1 complaint per 10,000 customers, and a large insurance company may have 6 complaints, but only 1 complaint per 100,000 customers. If you insure with the smaller insurance company, you are more likely to have a valid complaint than with the larger insurance company.

Here is a list of 9 of the 10 auto insurance companies with the highest number of complaints in Arkansas for 2010. Considering market share, I left State Farm Mutual Automobile Insurance Company out of the top 10. I chose to do this because 7 complaints, based on its larger number of customers, compared to other car insurance companies in Arkansas with much fewer customers, is actually a very good complaint record.

However, another State Farm company does make this list. The 9 car insurance companies on the list should be a concern for you, if any of them are your insurance company.

10 Arkansas Car Insurance Companies with the largest number of confirmed complaints in 2010

1. Direct Insurance Company: 26 complaints placed, 17 complaints confirmed.

2. State Farm Fire & Casualty Insurance Company: 41 complaints placed, 12 complaints confirmed.

3. Geico Casualty Company: 7 complaints placed, 12 complaints confirmed.

4. Allstate Insurance Company: 21 complaints placed, 10 complaints confirmed.

5. Alfa Vision Insurance Corp: 26 complaints placed, 8 complaints confirmed.

6. Farmers Insurance Company Inc.: 32 complaints placed, 7 complaints confirmed.

7. Allstate Property & Casualty Insurance Company: 14 complaints placed, 7 complaints confirmed.

8. Imperial Fire & Casualty Insurance Company: 11 complaints placed, 6 complaints confirmed.

9. Progressive Casualty Insurance Company: 12 complaints placed, 5 complaints confirmed.

A state’s department of insurance website is usually a good place to find out consumer information about insurance & insurance companies.

The Arkansas Insurance Department website has specific information for Arkansas consumers. You can access Consumer Complaint Reports, create a Complaints by Reason report, and find out the reasons for the complaints for each insurance company on the list above, and all the other auto insurance companies in Arkansas. You can also check the number of complaints for years prior to 2010.

Here is the link to the Arkansas Insurance Department Website, which I used as a resource regarding the number of Arkansas complaints and market share.

As I mentioned earlier in this blog post, you need to use a complaint ratio to fairly compare an insurance company’s complaint record.

Here is a list of the 20 largest auto insurance companies in Arkansas by market share, and ranking them by their national complaint ratios from my website.

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Check out my website to see more complaint ratios, and JD Power customer 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 home insurance company.

Insurance companies frequently have several subsidiary auto insurance companies. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade. This also applies to the 9 auto insurance companies with the most complaints in 2010 I listed above.

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.

The 20 Top Arkansas Car Insurance Companies Ranked (from best to worst) by Their 2010 National Complaint Records

1. Southern Farm Bureau Casualty Insurance Company  = A+ (.12)

2. State Farm Mutual Auto Insurance Company = A (.34)

3. Government Employees Insurance Company = A (.43)

4. Safeco Insurance Company of Illinois = A (.44)

5. Progressive Northwestern Insurance Company = A- (.49)

6. Allstate Property & Casualty Insurance Company = A- (.50)

7. Geico General Insurance Company = B+ (.51)

8. Travelers Home & Marine Insurance Company = B+ (.52)

9. Nationwide Mutual Insurance Company = B+ (.54)

10. Shelter Mutual Insurance Company = B (.58)

11. State Farm Fire & Casualty Company = B (.61)

12. Geico Indemnity Company = B (.62)

13. Progressive Direct Insurance Company= B (.65)

14. State Automobile Mutual Insurance Company = B (.66)

15. United Services Automobile Association = B (.71) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

16. Auto Club Inter-Insurance Exchange = B- (.88)

17. USAA Casualty Insurance Company = C (.96) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

18. Allstate Insurance Company = C (.96)

19. Farmers Insurance Company Inc. = C- (1.06)

20. Alfa Vision Insurance Corp = F (3.75)

Now you know the complaint ratings for the biggest auto insurance companies in Arkansas. 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.
Do you have any questions or commentary about these Arkansas car insurance complaints, ratings or rankings? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.

Coverage C: Your Home’s Personal Property/Contents

This coverage insures your personal belongings and furnishings (personal property) kept in your home, subject to your deductible.

Personal property is usually insured for causes of damage on a “named peril” basis, meaning for you to be covered, the cause of damage, such as fire, must be specified in writing in your policy contract.

A few homeowners insurance companies will offer broader coverage for your personal property on an “open peril” basis, meaning damage to your property is covered, subject to your deductible and any limitation written in the policy, unless it is specifically excluded.

For example,  you drop and break your big screen television while trying to move it in your home. If the damage is more than the deductible, and it is not excluded from your homeowners policy, it may be covered if you have “open peril” coverage, but it is not covered if you have “named peril” coverage.

“Named peril” coverage is fine for most people, because you pay more for “open peril” coverage for your personal property, and the broader coverage encourages smaller claims that your agent will most likely recommend you do not file.

However, if you have a lot of expensive, high-quality personal property you may want “open peril” coverage for your personal property.

“Open peril” coverage for your personal property is offered by a few homeowners insurance companies, usually through independent insurance agents that sell to high net-worth customers.

Don’t take the chance you will feel ripped off after you have had a claim, by shopping for the coverage you need at the best price with a reputable insurance company.

Like Coverage B: Detached Structures, the amount of Personal Property coverage is based on a percentage (50%-75%, depending on the homeowners insurance company) of the amount for which the house is insured — which may, or may not reflect your actual needs to replace your Personal Property.

People usually under-estimate the amount of Personal Property coverage they need. This website, knowyourstuff.org, can help you determine how much you need. In addition, you create a home inventory. If you lose everything in a fire, you will have a record of what you own, so you will not forget any of your personal property items.

I also recommend using a camcorder to make a visual record of all your property, and keep the video off the premises, somewhere safe.

Insurance shopping tip: If you are sure you need less personal property (and keeping in mind it is easy to forget to update your insurance when you buy new things), a few homeowners insurance companies will lower your premium for less Personal Property coverage. However, many homeowners insurance companies offer only the basic percentage or more.

Warning: Personal property kept away from your home, at another house, dorm, apartment, etc. or in storage can be limited to 10% of the the amount of insurance you have for contents.

For example, if you have $50,000 for your contents coverage, all property you keep away from your home is limited to $5,000.

If you own another property, rent a storage unit, have a child living away from home, or any other situations where you may have a significant amount of your belongings away from home, inform your agent to secure proper insurance coverage.

Avoid this homeowners insurance mistake: Many people find out about the limitations and exclusions on their personal property after they have had a claim. Items such as jewelry, watches, furs, tools, silverware, goldware, cash, coins, cameras, computer hardware & software etc. have limits on coverage.

For example, you may have $75,000 for your Personal Property coverage, but there is a limit of $1,000 for all jewelry,watches, and furs that are stolen. If you have $15,000 in jewelry and the jewelry is stolen, the most your policy will pay is $1000.

Other types of personal property can be limited, too. Be sure to have your agent review all the personal property limitations and exclusions to you, and adjust your coverage as needed.

Please see my blog post regarding scheduled personal property / personal property limitations & deciding when you need more coverage.

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California Auto Insurance Company Reviews: Best & Worst Complaint Records

Here are the 12 auto insurance companies with the best California complaint records in 2010, and the 12 auto insurance companies with the worst California complaint records in 2010.

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!

The car insurance companies with the best records all have a complaint index in California (number of complaints, adjusted for market share) of less than half the complaint index of the average car insurance company.

The auto insurance companies with the worst records have a complaint index in California twice as much or more than the average company.

All of these companies are among the 50 largest (by number of customers) auto insurance companies in California.

If you are insured with any of the auto insurance companies with the worst records, you should shop your auto insurance with all the leading insurance companies. You will most likely be able to get better service AND a much better price!

The California Department of Insurance website is the source of my information about complaint records. This website has a lot of useful information for California residents, so I encourage you to check it out. The site includes price comparisons between auto insurance companies, but you really can’t know which auto insurance company can save you a lot of money on car insurance unless you shop for price quotes yourself.

Here are my lists. I will start with the worst list, and then show you the best list.

Insurance companies frequently have several subsidiary auto insurance companies. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.

California Auto Insurance Companies with the Worst 2010 California Complaint Records

QBE Insurance Corporation

Victoria Fire & Casualty Company

Permanent General Assurance Corporation

Financial Indemnity Company

Nationwide Insurance company of America

Hartford Underwriters Insurance Company

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Commerce West Insurance Company

21st Century Premier Insurance Company

Loya Casualty Insurance Company

Viking Insurance Company of Wisconsin

Explorer Insurance Company

Alliance United Insurance Company

California Auto Insurance Companies with the Best 2010 California Complaint Records

Allied Property & Casualty Insurance Company (Nationwide Insurance Group)

California Automobile Insurance Company

Wawanesa General Insurance Company

Auto Club (Interinsurance Exchange of the Automobile Club)

State Farm Mutual Automobile Insurance Company

Mercury Casualty Company

Mercury Insurance Company

Liberty Mutual Fire Insurance Company

Geico General Insurance Company

Standard Fire Insurance Company

Wawanesa Mutual Insurance Company

Government Employees Insurance Company (Geico)

Now you know the auto insurance companies with the best & worst 2010 California complaint records, go and shop your car insurance. You can get better rates AND better service!

Do you have any questions about the California auto insurance companies with the best & worst complaint records? Tell me about it. Please leave a comment on my facebook page. Or, you can e-mail me at help@smartshopyourcarinsurance.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.

California Home Insurance Company Reviews: Worst Complaint Ratings

Here are homeowners insurance companies, among the biggest 50 home insurance companies in California, which have a higher than average annual number of homeowners insurance complaints in 2008, 2009, & 2010, based on their market share, than the other top 50 homeowners insurance companies. Continue reading

Ordinance and Law Insurance Coverage

When you have damage to your house from a cause covered by your homeowners insurance, such as fire, most insurance policies pay the replacement cost for the damaged portion of the home, with the same kind & quality of materials before the fire occurred. Continue reading

California Home Insurance Reviews: Complaint Ratings for 25 Top Companies in California

Does your homeowners insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Is your company good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 25 largest (by number of policies/homes insured in California) homeowners insurance companies, and rate them based on their 2010 California complaint record.( Accurate 2011 complaint data not available yet). Find out the best & worst companies. Continue reading

Coverage A: Your House (Building)

This is the coverage that insures your house, and structures attached to your house, such as a garage or porch, from certain causes of damage, such as fire, subject to your policy deductible.

When you contact an insurance company for an homeowners insurance quote, the insurance company representative will ask you questions, like the size and features of your home, to determine how much coverage you need to rebuild your home.

Even though the insurance company has sophisticated software to calculate building costs in your area, determining the cost to rebuild your home is not easy to do by having a conversation with you.

If, for example, you tell the insurance company your 1st floor is 1000 Sq. ft., but the actual square footage is 1100 Sq. Ft., the  insurance company’s estimate of the cost to rebuild your home will be less than the cost to actually rebuild it. Missing features  like custom cabinets, a half bathroom, or a built-in hot tub, can leave you under-insured.

For higher-value, custom-designed, or historic homes, it is more difficult for the insurance company to calculate an accurate cost to rebuild it.

Many insurance companies conduct a drive-by inspection of your property, once you are a customer, to make sure you have enough insurance to rebuild your house, and they will increase your coverage — and your premium — if you need more coverage.

To avoid a surprise price increase due to needing more coverage, make sure you discuss your home thoroughly when you get homeowners insurance quotes. Each insurance company quoting you should determine you need about the same dollar amount of insurance to rebuild your home.  The dollar amount of coverage on your home has the biggest impact on the price of your homeowners insurance.

If one insurance company quotes you a price of $350 per year for $150,000 coverage on your house, and another insurance company quotes you $400 per year for $250,000 coverage on your house, the first company is not a better deal, and is probably more expensive if they quoted you the same amount of coverage as the second company.

If you have a high value home with custom features and made with expensive building materials, you may want to choose an insurance company willing to do a thorough interior inspection for you, to make sure you are adequately insured.

After severe storms & fires, many homes are determined to not have enough coverage when they try to rebuild after a claim, so you want to do everything you can to make sure you have the proper amount of insurance. You can figure your own cost to rebuild your home at  building-cost.net and compare it with your agent’s estimate.

Remember, the cost to rebuild your home is not the market value of your home. You can buy a house for $400,000 in a fashionable suburb, but if you were to move the exact same house across town to a neighborhood in decline, with high crime and a poor school system, the same house could cost $150,000 to purchase, but the cost to build the house — say $250,000 — would not be changed.

Sometimes, the market value, or your mortgage amount, will be a lot more than the cost to rebuild your home. Lenders often want your homeowners insurance to cover the loan amount — but a bank cannot make you insure your house for more than the cost to rebuild it. Don’t over-insure your home due to pressure from your bank.

If you are buying or refinancing a home, when your house is appraised by a real estate appraiser, the appraiser also determines the cost to rebuild, and lists it on the appraisal. You can use this estimate of the cost to rebuild to make sure you have enough coverage, too.       

If it has been several years since you have had your insurance company re-evaluate how much insurance you need to rebuild your home, or if you have done any remodeling or additions, you need to contact your insurance company to check your home’s reconstruction cost, and make sure you have enough insurance.

Shopping tips:

1. Many insurance companies provide additional coverage, usually called Extended Replacement Cost — often 20% or more of the amount for which your home is insured — in case it is needed to rebuild your home.

This additional coverage varies depending on the insurance company, so you want to consider the most generous additional coverage, as well as the cost of the policy.

To have this additional coverage, the coverage on your house will increase each year at renewal to keep pace with the inflation rate for labor and building materials in your area.

Also, you will need to notify your insurance company before you do any remodeling or additions to your home, so your insurance company can adjust your coverage.

2. In addition to having enough coverage to rebuild, please see my blog post of a frequently overlooked coverage, called Ordinance & Law Coverage, which can keep you from paying tens of thousands of dollars out of your own pocket if you have a claim.

3. Compare quotes with the same deductible, and take the highest
deductible you can afford to save money. Make sure you get all the
discounts for which you qualify.

4. When the insurance company does the drive-by inspection to verify the cost to rebuild your home, the insurance company is also checking to make sure your home, other structures on the premises, and property meet the insurance company’s eligibility standards. The insurance company makes sure your home is occupied, there are no vicious animals on the premises, and no conditions which will increase the chance of a claim, such as substantial moss on your roof, major remodeling/renovation, porches without railings, peeling paint, etc.

Once you start your homeowners insurance policy, the insurance company has 60 days to notify you, if the insurance company is going to cancel your policy, because your home does not meet their required standards.

Make sure you maintain your home properly. Even a small amount of moss can greatly shorten the life of your roof, and roof leaks due to seepage are not covered by homeowners insurance — which can cost you $1000s.

Review the application for homeowners insurance for accuracy before you sign it and pay for it. If you have a Pit Bull, and notice the application says you have no dogs, tell your agent. Point out anything inaccurate on the application and ask questions if you do not understand something on the application.

If you receive a cancel notice because of inspection results, make sure
the reason is accurate, and work with the insurance company to resolve
the issues. The cancel date will be at a future date, and you should be
able to get the issues resolved and your policy reinstated in time to
avoid a lapse in coverage.

Most problems are easily fixed, and other insurance companies are going to have the same concerns if you wish to change insurance companies. It is important to maintain your home in a timely fashion to avoid costly expenses and problems with your homeowners insurance.

Even if you have homeowners insurance now, many insurance companies periodically conduct a drive-by inspection of the homes they insure, and if your home is not properly maintained, your insurance company may cancel your homeowners insurance at your policy renewal date.

What causes of damage are covered?

Most homeowners insurance policies cover your house on an “open peril” basis, which means damage to your home is covered, unless it is specifically excluded in your homeowners insurance policy.

Common exclusions are for  earthquake and flood. However, some
homeowners insurance policies are “named peril” and less causes of loss
are covered. Please contact your agent to find out what causes of loss
are covered or excluded, and what limitations apply, or read your policy.

I know insurance policies are not fascinating reading, but you need to review your homeowners insurance contract and pay special attention to what is covered, what exclusions apply, and any limitations on coverage.

You can call your agent if you do not have a copy of your policy contract and all endorsements (endorsements modify the wording in the insurance contract–for example, your homeowners insurance contract excludes earthquake damage, but your insurance company may offer an endorsement to cover earthquake for additional premium), have your insurance company or agent mail it to you, and keep it with your important documents.

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California Auto Insurance Reviews: 15 Companies with Bad Complaint Ratings

Does your auto insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Do you know if your company is very good or very bad? Most consumers fail to check the complaint records of their insurance companies. This blog post is a companion piece to my previous blog post listing the complaint ratings for the 25 largest auto insurance companies in California.

Here I provide the complaint ratings for 15 major auto insurance companies with higher than average complaints, not on my first list. If you are not insured with one of the 25 largest auto insurance companies in California, you can see if your auto insurance company makes this list (Hopefully not!). It pays to shop your auto insurance, but you want to make sure your auto insurance company provides good service, too. Continue reading

Nationwide Insurance JD Power 2011 Ratings Review

Here is my analysis and closer look at the results of the 2011 JD Power studies ranking Nationwide Insurance, to help you judge if Nationwide Insurance is best for you.

JD Power 2011 National Auto Insurance Study Results for Nationwide Insurance

JD Power downgraded Nationwide from 3 power circles (about average) to 2 power circles (the rest) for its 2011 National Auto Insurance Customer Satisfaction Survey.

Although the Overall Satisfaction was below average, the individual categories making up the overall satisfaction, such as Policy Offerings, Billing & Payment, & Contacting The Insurer, remained at 3 power circles (about average), with Pricing being the only individual category at 2 power circles (the rest).

Nationwide insurance scored 767 on the 1,000 point scale. The Industry average score for this study was 790 on the 1,000 point scale.

By comparison, California State Auto Association scored 769 on the 1,000 point scale, only 2 points more than Nationwide, and received a 3 power circle rating (about average). Nationwide insurance had the highest point score for all the insurance companies rated at 2 power circles.

My conclusion: If Nationwide insurance has a low auto insurance rate for you, the 2 power circle rating for the Pricing category should not be a concern for you, and Nationwide Insurance should be considered more of an average performer.

JD Power’s 2011 Auto Claims Satisfaction Study rates Nationwide customers Overall Satisfaction as 3 power circles (about average) and Nationwide achieves 3 power circles for all individual categories, such as First Notice of Loss, Service Interaction, Appraisal, Repair Process, Rental Experience, & Settlement. Nationwide maintained the same 3 power circle rating for all categories as it did for the 2010 study.

Nationwide Insurance scored 764 on the 1,000 point scale. The industry average score for this study is 769 on the 1,000 point scale.

My conclusion: The results from this study for Nationwide insurance supports my assessment of the previous auto insurance study. If Nationwide has a good price for you, you can expect average claims service.

JD Power 2011 US Auto Insurance Shopping Study Results for Nationwide Insurance

JD Power had a fairly new survey (in its 5th year) measuring the auto insurance purchasing experience.

Nationwide’s Overall Satisfaction was rated 3 power circles (about average), with 3 power circles for Policy Offerings, Call center Representative, & Local Agent categories. Once again, for Pricing, Nationwide received 2 power circles (the rest). One bright spot is the individual category of Company Website, which received 5 power circles (among the best).
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Nationwide scored 832 on the 1,000 point scale. The industry average score is 839 on the 1,000 point scale.

My conclusion: Unless you want to insure with an auto insurance company with an outstanding customer service reputation, regardless of price, get an auto insurance quote from Nationwide insurance online (their website is rated 5 power circles (among the best), to see if they have a good price for you.

JD Power 2011 National Homeowners Insurance Study Results for Nationwide Insurance

JD Power’s 2011 National Homeowners Insurance Study rates Nationwide at 3 power circles (about average) in Overall Satisfaction & all the individual categories. Nationwide maintained the same 3 power circle ratings in all categories as the 2010 study.

Nationwide Insurance scored 764 on the 1,000 point scale. The industry average score for this study is 769 on the 1,000 point scale.

My overall assessment: Nationwide Insurance claims & customer service is average, like many insurance companies.

Many claims are handled well, creating loyal customers, but Nationwide is also capable of poor customer service, and sometimes the claims experience can be a nightmare.

A capable agent can greatly improve your customer service experience, even with a mediocre insurance company, so if you decide to buy Nationwide insurance, choose a local agent wisely.

The main problem for Nationwide with the JD Power ratings was in the auto insurance Pricing category. Surveys about auto insurance pricing are meaningless to you. If you get a price quote from Nationwide, and it is the lowest price compared to other companies, it does not matter if other people are unhappy with the rates. There are many factors affecting price. Nationwide may be the most expensive insurance company if you live in Salem, Oregon or Lincoln, Nebraska, but it may have the best rates for you if you reside in Lake Oswego, Oregon. If you are like me, the best insurance company has the lowest price for you.

Follow me on my Twitter account, CarInsWatch, or my Facebook account, to see when I review insurance companies important to you.

What do you think about Nationwide insurance? Use Twitter or Facebook to ask me questions. I have 20 years experience in the auto & home insurance business, but no longer sell insurance, and I would love to help you find the best rates & insurance coverage for you. I look forward to your feedback.

California Auto Insurance Reviews: Complaint Ratings for 25 Big Companies

Does your auto insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Is your company good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 25 largest (by number of policies/cars insured in California) auto insurance companies, and rate them based on their complaint record. See the best & worst companies. Continue reading

Buying Insurance Direct from the Company

Progressive, Geico, Esurance, 21st Century, The General, Amica, USAA, Unitrin Direct, GMAC Online, all sell insurance directly to the public without the personal service of an agent. Are these insurance companies cheaper because they don’t pay commissions? Is the price low because they cut back on service, and low ball you or refuse to pay claims?

This blog post will tell you what you need to know about insurance companies selling auto insurance & home insurance direct to the public, and decide whether insuring with an insurance company without a local agent is a smart decision for you.

As I said in yesterday’s blog post, the personal service provided by local insurance agents is usually not worth paying more for your insurance. You are not anymore likely to have the coverage you need, good claims service, and the best price the company can offer you, if you buy from an agent or buy direct from the insurance company.

Wise insurance consumers educate themselves about the coverage available, and shop with all the leading insurance companies, to get the best combination of price and service for the coverage they need. Don’t get ripped off by paying too much, or not having the coverage you need when you have a claim.

The good news about buying insurance direct is you don’t get worse service than having an agent. In fact, USAA and Amica insurance don’t have agents, and they are usually at the top of the annual JD Power auto insurance & homeowners insurance customer satisfaction studies, out-scoring many insurance companies using agents.

The bad news is buying direct, without paying an agent commission, does not mean lower rates.

The commission insurance companies pay agents is only one of many marketing expenses costing insurance companies money. Agent commissions are not excessive for auto or home insurance, often being only 10% of the premium. Common sense may tell you an insurance company not paying a 10% commission to an agent should be 10% lower than insurance sold through agents.

But insurance companies without agents have other expenses. They pay salaried salespeople, and pay for their employee benefits, like health insurance, to staff their call centers. Insurance companies selling direct have to advertise a lot more to get their call center phones to ring, where insurance companies using agents have their agents get customers and market for them. Companies using agents sometimes have less marketing expenses, even though they pay commissions, than insurance companies selling direct to the public.

It is very possible the insurance company with the best price for you has a local agent. Buying direct does not mean low rates. The last time I shopped my auto insurance, the lowest prices I received were from Progressive (sells direct), Esurance (sells direct), and Metlife (sells through agents).

Now, the insurance companies having a good or poor rate for me does not mean they have a good or poor rate for you, but Amica (sells direct), Allstate (sells through agents) and Pemco (sells direct) had very high rates for me, compared to the lower quotes I received. State Farm (sells through agents), Safeco (sells through agents), Travelers (sells through agents) & Geico were in the middle.

Which insurance company has the best rates for you depends on where you live and your situation. Progressive has a great auto insurance rate for me, and Allstate does not have a good rate for me. But I have sold auto insurance for Allstate, and for some customers, I could easily beat Progressive’s auto insurance rates.

No one can tell you which insurance company will have the lowest rate for you. This is why I recommend shopping with all the leading insurance companies to find the company with the best rates for you.

However, some insurance companies selling auto insurance direct to the public, try to gain more customers by competing on price, since they can’t offer personal service. Many drivers may find Geico, Progressive, iMingle, or Esurance have the best rate for them.

Progressive and Geico are among the fastest growing auto insurance companies over the last 10 to 15 years. They have done this by extensive advertising and low pricing.

So, shop with all the leading insurance companies to find the lowest priced insurance companies for you. If you get a low price with a local agent, from an insurance company with a good reputation for customer service, it will be your best option.

But it’s not unlikely an insurance company selling direct to the public will have the best price for you.

Here are some things to consider to decide if buying insurance direct is a good choice for you:

1. Use the information on my website to make sure you are likely to receive good customer service.

A good agent can help you get good service from a mediocre insurance company. Buying direct from an insurance company with so-so service can be a nightmare to deal with on your own.

2. If you need to pay for your insurance in cash, you need a local agent to accept payment and give you a receipt.

3. Do you need personal service?

Even though I don’t think its worth paying more for your insurance, some people don’t mind paying more to meet with someone face-to face to discuss their insurance needs. Insurance is complicated, and having an agent can make it easier for you.

But remember, agents can’t make your insurance decisions for you. You need to understand your coverage and options. Getting opinions from other agents and insurance companies can help you avoid paying too much and having the proper coverage when you need it.

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Do I Need an Insurance Agent?

Buying auto insurance or homeowners insurance direct from the insurance company is easier than ever. Modern technology enables you to contact your insurance company when it is convenient for you. In the 21st century, is there any need for a local agent, working 9 am to 5 pm weekdays, in an office close to you? What’s the benefit to you? What do insurance agents do for you?

In my opinion, most agents are not worth paying more for your insurance.

The argument made by insurance agents is the personal service they provide is worth it. Buying home or car insurance is not like buying groceries at the supermarket. Applying for insurance is like applying for a loan: insurance companies have rules and you need to qualify for the insurance. How insurance works, and the coverage options available, can be confusing for the average consumer to understand.

Having a good insurance agent working for you can help you understand and buy the coverage you need, get all the discounts you deserve, prevent problems, and fix any problems when they do occur. The trouble is there are very few agents doing these things for their customers.

It’s not because there are few agents competent and caring about their customers. It’s because insurance agents don’t work for you, they work for themselves and the insurance company. Although many agents want to provide you with the best service, they have to put their needs ahead of yours in order to stay in business, or be successful.

Having a personal agent is rarely a bad thing, but its not worth paying a lot more for your insurance.

Fortunately, insurance companies paying commissions to agents are not necessarily more expensive than insurance companies selling direct to the public online. Get price quotes from all the leading insurance companies to find the best price for you. You can save $100s. Some insurance companies charge twice as much as others, for the same coverage, so its worth it to search for the best rates.

When shopping for auto or home insurance, first consider the insurance companies with the best price. Use the information on my website (see the link below) to evaluate the customer service of the insurance companies with the lowest prices. You may choose the best priced insurance company with a local agent. But some insurance companies with great reputations for customer service, like Amica & USAA, don’t have local agents.

Here is why I think it’s not worth it to pay more for having a local, personal insurance agent:

Insurance agents often fail to get you the insurance coverage you need at the best price.

The worst offending agents are the agents who don’t review your coverage options when you buy an auto insurance policy or homeowners insurance policy, or when you make a policy change, like adding a car.

An agent once quoted a price for my auto insurance without discussing the coverage I wanted. I had to ask about the coverage, and the agent quoted me a $1,000 deductible for Collision coverage on my car, when I had a $500 deductible. Had I bought his insurance, thinking I was saving money, when I was really getting less coverage, I would have been very upset when I had a claim.

However, there are many agents doing a good job of reviewing your coverage options. Yet there is still a problem. Many insurance agents represent one insurance company, and can’t offer you the coverage you need because their insurance company does not offer it.

Here’s one example:

If you buy a new car, owe more on the loan than the value of the car, which is not unusual due to the great amount of depreciation on new cars once you drive them off the lot, you should buy gap coverage, which covers the difference between the loan amount and the value of the car, if it is totaled.

Yet some insurance companies do not offer gap coverage, or may not offer it for leased cars, when other insurance companies will offer it on leased cars.

Agents don’t discuss your need for coverage they can’t sell you, if that means they will lose your business. You may need a coverage your agent’s company does not offer, but you will never find out about it.

This matters even more with homeowners insurance, where an insurance company not offering a coverage, available from another insurance company,  can cost you tens of thousands, if not hundreds of thousands of dollars, by not covering a claim.

Independent insurance agents have an advantage regarding coverage, because they represent several insurance companies, and they can choose the insurance company with the most appropriate coverage for you.

But even if your insurance company offers a coverage you need, it is very likely your agent will not mention it.

When I reviewed a customer’s insurance policy, or when I was selling an insurance policy, I tried to be very thorough in explaining the coverage available and what is not covered. But no agent, or customer, has the time to review all the options available.

When you contact an agent for a home or auto insurance quote, the agent has to collect the information needed to qualify you, quote you the correct price, and discuss your coverage. Although the agent will include and discuss all the “important” coverage, agents rarely invest the extra time to get the information from you to determine your insurance needs.

For example, you may be buying a house in your name alone, where you and your longterm boyfriend or girlfriend will live. Much of the furnishings are jointly owned, or owned by your significant other. Your unmarried (unless you are in civil union) significant other’s property is not covered unless your agent includes them as an “insured,” if the insurance company allows it. Many agents may never discuss this with you.  You may find out the hard way much of your personal property is not covered when you have a claim.

Your home could be subject to an expensive clean up, if your sewer or drains back up into your home, which you may have to pay for yourself, since your agent did not think to tell you about buyng the additional water back up coverage.

Most agents want you to be happy with your coverage when the unexpected happens. But your agent has no legal responsibility to make sure you bought the coverage you need.

The personal service offered by insurance agents does not even mean you will get the best price your insurance company can offer you.

If your agent is concerned they are going to lose your business, because they know you shop your rates once a year, or their insurance company recently had a large rate increase, they will most likely look at your policy to make sure they are getting the best price for you.

But if your agent knows you are a loyal customer, or does not think you will shop for better rates, your agent is not going to spend their time reviewing all their customers policies to make sure they are not missing any discounts.

Agents are paid a commission which is a percentage of the insurance premium. The more expensive your premium, the more money your agent makes. If your agent does not think they will lose your business, they are not going to spend a lot of their time looking for ways to reduce their income. Your agent usually isn’t deliberately charging you a higher premium, but they have no incentive to find ways to lower your premium.

Customers can depend only on themselves to make sure they ask the questions, and spend the time needed, to make sure they get the proper insurance coverage, and not over pay for it.

Using my website, and reading my blog, can give you the information to help you work with insurance companies and agents to get the coverage you need. Shopping your auto & home insurance once a year can make sure you don’t pay too much for it.

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