Dairyland / Viking / Peak Insurance Review: Auto Insurance Complaint Record & Ratings

Dairyland, Viking, and Peak, all owned by Sentry Insurance, are nonstandard auto insurance companies for drivers without insurance, tickets or accidents, license suspensions, recently licensed, and other factors making them ineligible for standard auto insurance with most companies. It’s easy to find a lot of bad reviews for Dairyland, Viking, or Peak insurance on the Internet, like you can find for all insurance companies. Unfortunately, complaints written by customers are hard to tell if the complaints are legitimate. This review has complaint ratings for the Dairyland, Viking, and Peak insurance companies compiled by the National Association of Insurance Commissioners, from statistics gathered by each state’s insurance department. I think these statistics are more reliable and relevant for evaluating an insurance company’s customer service than personal accounts. Plus, you can see how these companies’ complaint records compare to the average complaint record for the auto insurance industry.

Because Dairyland, Viking, & Peak insure high risk drivers, their customers are more likely to cause automobile accidents. I also provide in this article contact phone numbers for customer service, claims reporting, & fraud reporting, which can be used by both Dairyland policy holders, and other people involved in accidents with Dairyland customers. Continue reading

Choosing an insurance agent: Experience is not expertise

In my last blog post, I wrote how you should choose an agent with enough experience to be competent. More than 2 years is enough, but 5 to 10 years experience is preferable. Anything more than 10 years is not relevant. But experience does not guarantee expertise.

True expertise is hard to find. I have always been surprised how little your average, experienced & successful agent knows about the products they sell, or how much bad information they can provide to their customers & prospective customers. Continue reading

Foremost Insurance Review: Auto & Home Insurance Customer Complaints, AM Best & JD Power Ratings

This Foremost Insurance review will evaluate the AM Best financial strength ratings, any JD Power claims & customer satisfaction ratings, and the 2009-2014 home & auto insurance complaint record for the subsidiary companies of Foremost Insurance Group, to determine whether each subsidiary, such as Foremost Insurance Company of Grand Rapids, MI, has a better-than-average, average, or worse-than-average customer complaint record.

Foremost insures mainly high risk drivers, mobile homes, trailers, vacant homes, homes with a recent claims history, and other properties many other insurance companies won’t insure. I’ll compare the auto & home insurance complaint records for the Foremost subsidiary companies, with major competitors offering nonstandard auto insurance and specialty home insurance, like Progressive, Homesite, Dairyland, & American Modern. Continue reading

National General Insurance Review (Formerly GMAC): Auto Insurance Customer Complaint Record & JD Power, AM Best Ratings

This review will analyze any recent JD Power and AM Best ratings for National General, and evaluate, for the most recent five year period where reliable statistics are available (2010, 2011, 2012, 2013 & 2014), the auto insurance complaint data for the subsidiary companies of National General Insurance Group, to determine whether each subsidiary, such as Integon General Insurance Company or National General Insurance Company Online, has a better-than-average, average, or worse-than-average customer complaint record.

I’ll analyze the change in the JD Power home & auto insurance scores & ratings for the National General (formerly GMAC) insurance companies from 2012 to 2015, and compare them to the scores of leading competitors, like State Farm, Allstate, The Hartford, Travelers, Safeco, Nationwide, Liberty Mutual, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength Rating (FSR) for the National General insurance subsidiaries, too.

Lastly, I’ll compare the auto insurance complaint records for the National General subsidiary companies, with major competitors, like Allstate, Progressive, GEICO, State Farm, & Farmers. Continue reading

Kemper Specialty Insurance Review: Auto Insurance Customer Complaint Statistics & AM Best Ratings

This Kemper Specialty Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013, & 2014), the auto insurance complaint ratings for the subsidiary companies of Kemper Specialty, to determine whether each subsidiary, such as Alpha Property & Casualty Insurance Company or Financial Indemnity Company, has a better-than-average, average, or worse-than-average customer complaint record. I’ll look at increases & decreases in market share (as measured by annual written premiums) for each Kemper Specialty operating company, as a possible indication of competitive pricing. The Kemper Specialty companies sell nonstandard auto insurance for drivers considered higher risk. This review will compare the auto insurance complaint records for the Kemper Specialty subsidiary companies, with the companies or subsidiaries of major competitors selling nonstandard auto insurance, like Allstate Indemnity, Progressive, GEICO Casualty, The General, Infinity, National General (Formerly GMAC) & Mid-Century Insurance Company (Farmers). Continue reading

Titan / Victoria Insurance Review: Auto Insurance Customer Complaint Record & AM Best Ratings

This Titan / Victoria Insurance review will evaluate, for the most recent three year period where reliable statistics are available (2010, 2011, 2012, & 2013), the auto insurance complaint ratings for the subsidiary companies of Titan Insurance, to determine whether each subsidiary, such as Titan Indemnity Company or Victoria Fire & Casualty Company, has a better-than-average, average, or worse-than-average customer complaint record. I’ll look at increases & decreases in market share (as measured by annual written premiums) for each Titan subsidiary, as a possible indication of the competitiveness of their auto insurance rates. Lastly, this review will compare the auto insurance complaint records for the Titan / Victoria companies, with major competitors, like Allstate, Progressive, GEICO, The General, Infinity, National General (Formerly GMAC) & Farmers. Continue reading

Low Annual Mileage Auto Insurance Discount

Some auto insurance companies offer a low annual mileage auto insurance discount, if you do not put a lot of miles on your car. What happens if you put more mileage on my car than you reported to your auto insurance company? Can they charge you more money for not driving low miles you reported, or not pay a claim? Here is what you need to know about the low annual mileage discount, how to get it, and the consequences of misreporting annual mileage. Continue reading

Auto Insurance Companies with Good Customer Service

Do you get what you pay for when you buy cheap auto insurance? Can you save $100s on your auto insurance, and regret it when you have a claim? The short answer is, “No.” The price you pay for insurance has nothing to do with how happy you will be with the insurance company’s customer service. So, how do you find auto insurance companies with good customer service? This blog post will give you some tips to finding the best combination of price and service for auto insurance. Continue reading

Nonstandard Auto Insurance: How to Get the Best Rates

Have you called around for auto insurance price quotes, only to be told you don’t qualify for standard rates? Do some auto insurance companies say they won’t insure you? Are the auto insurance companies willing to insure you very expensive? Welcome to the world of nonstandard auto insurance.

From my experience, the people most interested in shopping for better auto insurance, are people paying or being quoted high rates, because they’ve had a lapse in coverage, have not been licensed to drive in the US for enough time, or have tickets, claims, or accidents. Unfortunately, these are the people some insurance companies want to avoid as customers, because they are considered at being a greater risk than the average driver for claims in the near-future. Rather than qualifying for lower standard or preferred rates, these people are offered nonstandard auto insurance rates, or turned away, if the insurance company does not offer nonstandard auto insurance rates.

If most auto insurance companies consider you a high risk driver, what do you do about it? You do what every auto insurance policyholder should do at least once a year — shop for better auto rates. Nonstandard auto insurance is expensive, but if you shop around, you’ll find some companies are much more expensive than others. This blog post will give you tips about how and where to shop for nonstandard auto insurance, and what you can do to get lower auto insurance rates. Continue reading

What is the best car insurance company in the North Central USA? Find out here!

Here are my summary and conclusions about the 2012 JD Power north central region auto insurance customer satisfaction study, surveying car insurance customers insured with the major companies in Illinois, Indiana, Michigan, Ohio, and Wisconsin. As is the case with the other regional studies, some of the companies rated among the best, or better than most, did not score much above the study average. Also, some of the companies receiving JD Power’s lowest rating, 2 power circles (the rest), are not much below the average score for the study. My analysis will help you tell the difference between the companies truly performing well, the companies performing about average, and any companies performing poorly, based on the numerical scores from the north central study. I will also discuss strengths and weaknesses for each company, in the factors considered by the study, such as Pricing, Policy Offerings, Billing & Payment, and Contacting the Insurance Company. Continue reading

JD Power 2012 California Region Auto Insurance Study: Companies Rated Better Than Most

My last blog post told you about the two highest rated companies for customer satisfaction in the JD Power 2012 California region auto insurance study. The top company was USAA, but it restricts eligibility for its insurance to the military. The only other company in the California survey to receive a 5 power circle rating, was Wawanesa, and its score was not much higher than the companies rated 4 power circles.

Now, I examine the numbers and considerations behind the companies rated 4 power circles (Better than most), to let you know my thoughts about what the JD Power survey results really say about these companies. Continue reading

JD Power 2012 California Region Auto Insurance Study: Companies Rated Among the Best

Which auto insurance companies in California received the best rating — 5 power circles (Among the best) — for customer satisfaction by JD Power in 2012? I’ll tell you not only the companies with the top ratings, but how I think you should consider each company’s rating, and how it compares with other leading companies. I’ll help you avoid the mistake of paying too much for car insurance, because of the possibly false expectation of excellent customer service. If you look at the JD Power number scores behind the power circle ratings, you will find some companies rated among the best may not be really much better than other companies. Continue reading

Choosing an insurance agent: How much experience is needed?

Here is my second tip for choosing an insurance agent, which can save you from making costly mistakes:

Know how much experience is important, & avoid inexperienced agents

Some agents try to convince you to insure with them based on their many years of experience, or the experience of their employees. I know one agent added up the total number of years of experience of their agency employees to conclude their combined experience equals over 100 hundred years! This sounds impressive, but does it really benefit the customer? I don’t think so. Continue reading

Choosing an insurance agent: Is your agent any good?

Do you have a good insurance agent? Most people find out the hard way when they have a problem or a claim. This is the first in a series of blog posts giving you tips on how to find an excellent agent and avoid bad ones. The first thing you may think, is you can avoid having to worry about finding a good agent by not having an agent at all, and buying direct from the insurance company. Doesn’t it cost more to have an insurance agent? Isn’t it cheaper to buy direct, anyway? Continue reading

District of Columbia (DC) Auto Insurance Reviews: Complaint Ratings for Major Companies

Does your Washington DC automobile 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 auto insurance company. This blog post provides complaint information for sixteen major insurance companies selling auto insurance in Washington DC, and ranks them from best to worst, based on their 2011 JD Power auto insurance customer satisfaction rating. National auto insurance complaint ratings for their subsidiary companies are available through links to my insurance company reviews on my website. Continue reading

Wyoming Auto & Home Insurance Reviews: Complaint Ratings for Major Companies

Does your insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your company is good or bad? Most consumers fail to check the complaint records of their automobile & property (homeowners, renters, mobile home, rental dwelling, condo, etc.) insurance companies. Here I provide complaint information for insurance companies selling auto & residential property insurance in Wyoming and rank them, from best to worst, based on their 2009, 2010, & 2011 Wyoming complaint record. Continue reading

Wisconsin Auto Insurance Reviews: Complaint Ratings for Leading Companies

Does your automobile insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? How do you know if your company is any good? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for 20 of the largest (by market share in Wisconsin, based on auto insurance premium) insurance companies and rank them, from best to worst, based on their 2010 national auto insurance complaints. (Accurate 2011 data not available yet). I also list 22 insurance companies you may want to avoid, with a higher than average number of auto insurance complaints filed against them in Wisconsin. Continue reading

Virginia Auto Insurance Reviews: Complaint Ratings for 50 Top Companies

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). Continue reading

Vermont Auto Insurance Reviews: Complaint Ratings for Leading Companies

Does your automobile 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 the major insurance companies selling auto insurance in Vermont, and ranks them from best to worst, based on their 2011 JD Power auto insurance customer satisfaction rating. National auto insurance complaint ratings for their subsidiary companies are available by links to insurance company reviews on my website. I also list complaint ratings for several large regional auto insurance companies selling car insurance in Vermont, not rated by JD Power. Continue reading

Road Rage Not Covered By Auto Insurance

How does your car insurance help you, when your daily commute turns dangerous, and another driver intentionally drives you off the road, or hits your car, over some perceived slight? What if you are not a party to the road rage incident, but an innocent person caught up and injured in the mayhem? Your auto insurance may not cover the damage to your car, or your injuries at all! Continue reading

Uninsured/Underinsured Motorist Coverage

What if, while you and your family are driving home from an evening out, a drunk driver swerves into your lane, and hits your car head-on at 50 miles an hour? The drunk driver was driving with a suspended license, and no auto insurance. Continue reading

Ignoring an insurance bill can damage your credit history

Often, when someone’s car is not running, being used, up for sale, or if they have switched to another auto insurance company, they choose to ignore the insurance bills they receive. Ignoring insurance bills is a huge mistake, which can harm people’s credit score, if they continue to ignore them. I’m blogging today to tell you why this happens, and how you can avoid it happening to you. Continue reading

Alfa Insurance Reviews: Complaint Ratings & Customer Satisfaction Ratings

Most insurance company reviews on the Internet are lacking in useful information. My insurance company reviews & insurance shopping tips, along with my evaluation of the major auto insurance & home insurance companies by state, should help you determine the best insurance company for you. This blog post will take a closer look at the Alfa insurance companies Continue reading

Multi Car Discount & Auto Insurance

Do you insure all your cars with the same insurance company? You should consider it, if you want the best price on auto insurance. Continue reading

Stopping your auto pay does not cancel your insurance

Have you ever had a month where money was tighter than normal, and you did not have enough money to cover your auto insurance company’s deduction from your bank account? Continue reading