Insurance Company Complaints – Top 10 Companies of 2012 With Least Number of Complaints

The New York State Department of Insurance (DOI) recently released the 2012 Annual Ranking of Automobile Insurance Complaints. The report is issued to help consumers find the automobile insurer that best meets their needs.

This report analyzed data collected from 2010 and 2011. It ranks companies doing business in the State of New York. However, as New York is a heavily populated state, with both big cities and big urban areas, the report can be considered a good representation of insurance company performance nationwide.

Use this report to see where your present car insurer ranks. You MAY want to switch insurance companies after reading this article.

2012 Auto Complaint Listing (best rank at top, more complaints as you go down)

1. Kemper Ins.
2. Progressive Northwestern Ins.
3. Great Northern Ins.
4. Merchants Preferred Ins.
5. Main Street America Ins.
6. Unitrin Auto and Home Ins.
7. Utica National Insurance of Texas
8. Old Dominion Ins.
9. Encompass Indemnity
10. Unitrin Preferred Ins.
11. Commerce and Industry Ins.
12. Encompass Insurance
13. America Automobile Insurance of Hartford
14. TravCo Ins.
16. Economy Premier Assurance
17. Barkers Standard Ins.
18. Travelers Indemnity
19. 21st Century Ins.
20. Nationwide Affinity Ins.
21. Ameriprise Ins.
22. Charter Oak Fire Ins.
23. Encompass Home and Auto Ins.
24. Electric Insurance
25. Nationwide Mutual Fire Insurance
26. Republic-Franklin Insurance (Utica)
27. Citizens Insurance
28. American Modern Home Insurance
29. Hartford Accident and Indemnity
30. Encompass Property and Casualty
31. 21st Century Premier Insurance
32. Nationwide Property and Casualty
33. Massachusetts Bay Insurance
34. Unitrin Advantage Insurance
35. Central Mutual Insurance
36. Associated Indemnity Corporation
37. Response Worldwide Insurance
38. American Bankers Ins.
39. National General Ins.
40. Vigilant Ins.

Conclusion

NONE of the major national companies whose ads you see on TV made the Top Ten!! The only one to break the Top TWENTY was 21st Century! There is only one other major national company in the TOP 40, and that is Nationwide.

What should that tell you?

If your present auto insurer is not shown on this list, maybe they don’t sell insurance in New York. But it likely means that their number of complaints is worse than the #40 position!

Consider this next statement carefully, my friends.

The only thing that matters about your insurance is what happens when you submit a claim. Claims are about KEEPING PROMISES. When the insurance companies don’t keep their promises, the state Departments of Insurance gets lots of complaints!

The DOI report is issued so you can make an informed decision about which insurance company you choose. Choose wisely!

If you experience an automobile loss of any kind, you’ll need to know how to handle your insurance claim so that you maximize your recovery. Learn how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, check out the website shown below in the Resource Box.

Find and Compare Cheap Car Insurance Rates Online

Before you purchase car insurance, do this first. Go online and check for cheap car insurance rates. Having access to the world wide and almost every insurance company having their own site, this has become the most efficient and convenient way to find the best deals. This is the modern way to shop and companies know that.

You can shop for the best coverage and rate while you are still in your pajamas and sipping your coffee. No haggling by a sales representative. When you do your research first you will see that many of the insurance companies make it easy for you to also view the quotes of their competition. This information may or may not be accurate.

Just because one auto insurance company claims another will be more expensive does not necessarily mean it is true. Check it out yourself to be certain. Make an informed decision. After all, if you get into an accident this will be one of the first places you call. That said, this decision is not to be made lightly.

Attempt to compare policies from different companies that have the same coverage levels. Different insurers will offer different deals for your vehicle. As the consumer, you must be aware of this. That is why it is essential to shop around first.

Some insurance companies offer a multiple car discount. This means that you have more than one vehicle under the same policy. Usually, this can save you a lot of money off your monthly premium.

There is even a discount based on your job title and educational background. No one is suggesting that you go out and get a job that will lower your auto insurance rate. It is just another way that you may get a lower rate. Just ask and see if they offer it. If they do find out if your occupation will qualify.

We all know that safety features in your car will help give you a lower rate. A lot of cars today come standard with air-bags and anti-lock brakes, but having a car alarm can help, too. Something that is also considered a safety feature that many people probably are not aware of is having global positioning system installed in your car.

Knowledge is power and the more you know about what can lower your rate the better off you will be. The more you will also be able to save. With online resources, you have the ability to compare and contrast different quotes and make an informed decision.

Cheap car insurance that is quality and fits your financial budget is easy to find. These days, many insurance companies offer their own deals for choosing their policy. Discounts are basically offered everywhere. Do not be afraid to ask what deal they have going right now and find out what discounts they offer.

Absolute Most Effective Technique For Getting Low Car Insurance Rates

If you’re looking for car insurance, there’s a lot of choices. You want to make sure that you don’t only just get the cheapest rate, but also you get all of the proper coverage and all of the right plans. Be sure to do a lot of research if you want to find the ideal company. Through doing more and more preparation, you’ll be able to find better and better deals. Next are some ideas that you can use to get better rates.

Price Comparison Websites

It is important to compare rates and coverage side by side so that people are sure they’re getting the most bang for their buck. Using such a website is important because it saves an individual a lot of time. One just needs to enter in basic information about the type of insurance he or she wants, the car to be insured, and one’s driving record. From here, the website will churn up a list of possible quotes. Having such a list gives a person an idea of what to expect from different companies and plans.

Do Research Online for a Reliable Provider

It is important to also research the company’s reputation before signing on for a plan or coverage. This means checking blogs and websites and really reading reviews from past and current clients. The cheapest auto insurance is a plan that actually works. It makes no sense to have a plan if an insurance company is known for withholding claims or being difficult after an accident or issue has taken place. Read both expert reviews of a group’s business practices as well as consumer reports and ratings for a diverse view of a group.

Ask Loved Ones for Recommendations

A reliable way to find the cheapest auto insurance is to ask around and see what people have to say about their current provider or past insurance group. Loved ones, friends, and coworkers are great resources. They can explain everything from the group’s customer service and the quotes that are given to what the claim process is like. If a loved one suggests staying away from a group, one should definitely take notice.

Join Another Policy

Sometimes, it helps if a person joins a family member’s plan. This gives discounts to both parties involved. When doing this, it is of course important for the individual to still research the company and to look into what the different plans look like. If a person likes what they see, then joining an existing plan could result in low rates.

Discount Hunting

Be sure to consider various discounts that are available as well. This means logging on to websites and really seeing what providers offer customers. The tricky thing about promotions is the fact that they will be accordingly to each of the insurance agencies, for example some will reward driving schools, while others might not care about them that much. Those that fit a profile with multiple discounts will get a significant reduction and also be able to acquire a really good quality plan.

Parking Lots Raising Your Car Insurance Rates?

According to the Independent Insurance Agents and Brokers Association, 20 percent of all car accidents take place in parking lots. That does not include all the minor dents and nicks that often go unreported. Such crashes happen at slow speed; however they can still cause pricey repairs and increased auto insurance premiums. Unfortunately, now and then, people walking and drivers are injured.

To lower your parking lot risks…Park away from hectic areas. The majority of drivers crowd into the spaces near store entrances, leaving the rest of the lot nearly vacant. Your automobile is much less likely to be crunched — and you will be able to view better when you drive out — if you take a spot inside a little-used area. Seek out two vacant parking spaces, one behind the other, and drive through to the one in front so that you don’t have to back up when it is time to depart. However make certain no one is pulling into the front spot from the other side. Steer clear of hazard zones. By pass spots adjacent to big vans or SUVs if you are in a more compact automobile — you will have a tricky time seeing around these vehicles when you need to go. Also, make an effort to avoid spots adjacent to cart-collection areas — the possibility of dings and dents are most significant here.

Look where you are going. Diverting your attention while driving is responsible for countless parking lot accidents. We believe we see an open spot in the next row or a friend might be walking by. This temporary distraction is all it takes for someone to step or pull in front of us in a crowded parking lot. If your car is going forward, your eyes must be looking forward. Use your peripheral vision to locate open parking spaces. Completely clear fogged or snow-covered windows and windshields. There is an inclination to dash out of parking areas, but driving with incompletely cleared windows and/or windshields increases the odds of having an accident. Fasten your seat belt before pulling out, not while driving. Drivers frequently believe they are “safe” in parking lots, so they wait to put on seat belts. That’s an error for two reasons 1. You could have an accident with no seat belt on before you leave the parking lot… and 2. Messing with a seat belt while you are driving increases the chances of an accident. Complete any cell-phone calls, put on your sunglasses if you need them, fiddle with your CD player or radio and enter data into your navigation system before you leave your parking spot.

Lastly do not put confidence in your mirrors. Rearview mirrors don’t furnish an accurate picture of what’s transpiring behind your car or truck. Ultra-modern backup sensors and rear-mounted cameras do not reveal all obstacles, either. To back out of a parking spot in safety- rotate your body to the right, looking over your shoulder so you face backwards, leaving your left hand on the steering wheel. You shouldn’t feel hurried by other drivers. It causes mishaps. The driver impatient to have your parking spot can delay a few more seconds as you take the time to pull out carefully.