Consumer Reports Reveals the Best Car Insurance Companies

In the household budget, the usage of car insurance has become more irritating as compared to the past when we had to pay for the insurance policies and the car insurance premium increased from time to time. Still, the services with additional money are nowhere to be found easily. We previously outlined the worst auto insurers based on a Consumer Reports poll. We now focus on the most appreciating car insurance companies. No company in the world received a pass rate of one hundred percent overall scores as high as 72 out of one hundred were received and none of the analyzed companies achieved a score of more than 3 out of 5 for customer satisfaction about premium costs. While it’s impossible to name the absolute best car insurance provider, some of them are undoubtedly better than others.

Consumer Reports, for that matter, administered a survey nationally earlier this year based on information from more than 40,000 policyholders. The survey involved 36 car insurance providers in the industry as per service quality and affordable premiums. Based on the findings, companies on this list obtained a high-performance index in service as well as low affordable monthly premiums. The evaluation included seven key factors, each scored out of five points: Premiums, claims, coverage, policy clarity, help and advice, policy review, and service of coverage.

Here’s what each score represents:

• Premiums: Levels of satisfaction with the monthly premiums costs.
• Claims: Happiness with how particular claims are dealt with.
• Coverage: The degree of coverage satisfaction provided by the availability of these services.
• Policy Clarity: Policy flexibility and the presentation of detailed policy information along with cost estimates.
• Help and Advice: The level of satisfaction given with the amount of proactive support and counseling offered.
• Policy Review: The level of satisfaction over how effectively policies are scrutinized.
• Service: Customer satisfaction excluding claims management concerns.

However, let me point out that your experience with any given insurer will depend on several factors which include; local weather patterns and traffic conditions, yet these impact your rates heavily.

CSAA Insurance Group

CSAA is an AAA insurance company serving several localities in the USA, including Arizona, Colorado, Connecticut, Delaware, Maryland, Montana, Nevada, Oklahoma, Oregon and South Dakota, Washington, D.C., Wyoming, and part of other states. This proves that while it only managed 2 out of 5 in premium costs it only has a ‘satisfactory’ rating in one aspect of its operation, but it has Tod’s ratings of 3 and above in other aspects of the organization such as claims handling and customer satisfaction. Altogether, for the 14 assessed parameters, CSAA received 52 marks out of a possible 100.

Auto-Owners Insurance Group

Auto-Owners Insurance uses independent agents to get to its clients. They were awarded one on the criterion for their premium prices, whereas they received four for their customers’ satisfaction about their claims handling indicating that they are well known for good handling of claims. It also got fairly good 3s in the rest of the aspects like coverage and service. Altogether Auto-Owners earned 55 points and tied with the next company on the list.

Shelter Insurance Companies

This company works with agents in 15 states namely Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee. It was rated 4 for purchasing satisfaction regarding clarity of policy coverage and pricing; it gained a 3 in all other areas excluding claims satisfaction which was omitted. On average, Shelter Insurance’s score was classified as fifty-five out of a hundred score.

Farm Bureau Property and Casualty Insurance Company (FBPCIC)

FBPCIC is obtainable for single persons and small enterprises in eight western and mid-wester states only. It is something that deserves mention because only 5 out of 5 customers rated the insurer good when it comes to claim handling. The 2 it got on premium prices—below ideal—still puts it above other products in this regard. Finally, the FBPCIC obtained a total pass rate of 57 %.

Westfield Group

It should not be confused with the Australian company, Westfield Group, which is prevalent in shopping malls and rin The website doesn’t however detail specific areas that it operates in but the lack of any offices of the firm means it doesn’t operate in the Los Angeles area. The evaluation came out 3 across the majority of the categories, with 2 in policy premiums and N/A in claims satisfaction. Thus, other than being able to achieve satisfying results in each of the criteria, Westfield gained an overall score of 60 percent out of a hundred percent scoring system.

Auto Club Enterprises Insurance Group

One of the divisions of AAA has recently sought to diversify into the states of Texas, New Mexico, and Hawaii. Customers had a positive view of the company as it was awarded a 4 average from the learners in the satisfaction of the claims handling as well as policy coverage and pricing. In total, Auto Club Enterprises reached a score of 61, the same as the company ranked next on the list.

Acuity

Even as Acuity does not offer policies to clients in California, New York, or Florida, it seems to have a strong base in California. The surveyed consumers always rated the claims handling service at 5, with an average of 4 in other areas such as the scope of cover and advice given. Acuity received an organization-wide score of 61.

Wawanesa General Insurance Company

Purchased in late 2003 by the Auto Club of Southern California, Wawanesa Insurance Company does business only in the states of California and Oregon. In customer satisfaction concerning premium pricing, the company managed to secure a 3 as a result of satisfaction; it received a score of less than 3 in any domain. The above overall score of 62 was achieved by Wawanesa.

COUNTRY Financial Insurance Company Property Casualty Group

Specializing in car insurance, COUNTRY Financial has been attracting attention for its performance in nineteen different states: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Mississippi, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington and Wisconsin. On overall customer satisfaction with claims handling it gained a power five while on premium prices it got a power two for all the other categories it received power fours. In general, the received score of the company is 64.

The Cincinnati Insurance Companies As

As its name may suggest, Cincinnati insurance is available in all 50 states of the United States, as well as in Puerto Rico and Washington D.C. It scored 2 in the premiums charged, 3 in overall customer satisfaction, 5 in claims satisfaction, and 4 on other aspects such as web, telephone, and mobile interface, sales satisfaction, and product portfolio. Its overall score is 68.

USAA Group

What makes the USAA stand out is that it is restricted to military members and some affiliated relatives. The company was given a 2 for customer satisfaction about the firm’s position on premium prices, but the company got 4s in the other aspects. USAA scored 68 points and was ranked in the same position as the next company on this list.

NYCM Insurance Group

NYCM, an acronym for New York Central Mutual, sells its policies in New York State only. The customers rated them 3 out of 5 on the measure of premiums and a 5 for claims. Although NYCM received many 3s in other categories; this was good enough to give the company an average score of 68 out of 100.

Amica Mutual Group

Amica offers auto insurance plans in all the states of the United States except Hawai’i, and it leads all insurance groups in many areas where the chief competition is least present. The company got a 2 on customer satisfaction on premium rates but got a 5 on claims satisfaction and policy interpretation. All the other categories got a score of 4. In total, Amica received as many as 69 points and ranked jointly with the next insurance group.

NJM Insurance Group

Entering the fourth year of car insurance policy sales and customer service exclusively NJM Manufacturers, also known as NJM, operates in Connecticut, Maryland, New Jersey, Ohio, and Pennsylvania. The firm has averaged a 3 for consumer satisfaction regarding the firm’s premium price levels while it has obtained a 4 s in the other areas. Altogether, NJM stood at 69 meaning that the company was satisfactory in the customer satisfaction index.

Erie Insurance Group

Erie Insurance sells its policies in 12 states and the District of Columbia including Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin. Overall, the company reached the general score of 72 out of 100: the score for customer satisfaction by choosing premium pricing was 3; the score concerning satisfaction by the claims handling was 5; and, the scores regarding all the rest factors equaled 4.