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What are some of the lowest ranked auto insurance companies?

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Things to Remember...
  • Almost all states require you to carry a minimum amount of auto liability insurance
  • According to JD Powers and Associates, AIG Insurance is one of the most poorly rated insurance companies
  • Always compare at least different auto insurance companies before making a final decision

Auto insurance can be one of the most important purchases you make. Having auto insurance provides you with financial protection if you are involved in a car accident.

Almost all states require you to carry a minimum amount of auto liability insurance.

However, minimum levels of liability insurance do not usually cover the expenses associated with an accident, leaving you vulnerable to being sued for damages

Buying a policy with auto insurance companies that are low ranked in customer satisfaction can result in denied claims and slow processing.

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AIG Insurance

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AIG Insurance is one of the most poorly rated insurance companies according to JD Powers and Associates. When considering these companies, it is good to know how auto insurance companies are rated.

Consumers report dissatisfaction in all areas of ranking, including price, customer service and auto insurance products offered.

AIG received the largest government financial bailout in history in 2008.

AIG is the parent company of a number of insurance subsidiaries. AIG Direct offers life insurance.

Chartis Insurance offers insurance products outside of the United States including:

  • Accident
  • Health insurance
  • Home and property insurance
  • Auto
  • Travel insurance.

AIG also owns SunAmerica Financial Group, United Guarantee Corporation, and International Lease Finance Corporation.

In late 2008, AIG reorganized its auto insurance unit into 21st Century Insurance, in which it purchased a 39 percent stake in 2007. This division of AIG was sold to Farmers Insurance in 2009.

Unfortunately, 21st Century Auto Insurance also receives extremely low rankings in customer satisfaction on JD Powers and Associates annual survey results.

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GMAC Auto Insurance

GMAC Auto Insurance also ranks very low on the JD Powers and Associates annual review of auto insurance companies.

Although GMAC has been offering auto insurance for 60 years, consumers report dissatisfaction with claims processing, customer service, and auto policy prices.

In addition to auto insurance, GMAC also offers insurance coverage for recreational vehicles and homeowners insurance.

They also have a motor club for roadside assistance needs.

In addition to auto insurance, GMAC also offers insurance coverage for recreational vehicles and homeowners insurance. They also have a motor club for roadside assistance needs.

GMAC offers property damage and bodily injury auto insurance. This insurance covers payments for damages to a car you hit and medical expenses for the driver and passengers.

It does not provide coverage for expenses related to repairs to your car or injuries you or your passengers may suffer.

GMAC also offers:

  • Collision
  • Comprehensive
  • Property injury protection (PIP or no-fault insurance)

Additionally, they also offer medical payment coverage and uninsured/underinsured motorist auto insurance coverage.

GMAC offers special benefits to policyholders, including SmartInspect services, in which they will reinspect any car after your car has been repaired.

GMAC offers SmartReplacment services, in which you will be referred to someone who can find the precise replacement car you want if your car is declared a total loss.

Other benefits include valet services to pick you up after an accident, guaranteed repairs at contracted repair shops and emergency expense allowances.

Additionally, GMAC offers SmartReplacment services, in which you will be referred to someone who can find the precise replacement car you want if your car is declared a total loss.

GMAC offers a wide variety of discounts that can be applied to auto insurance policy premiums including:

  • Lowered rates for multiple car policies
  • Safe driver discounts
  • Low mileage discounts
  • Loyalty discounts
  • Discounts for paying your policy in full.

Commerce Auto Insurance

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Commerce Auto Insurance is the largest provider of auto insurance in Massachusetts and New Hampshire. They rank very low on JD Powers and Associates consumer satisfaction surveys.

However, they are given a grade of A from AM Best for financial stability.

Commerce was established in 1972 and is a subsidiary of MAPFRE USA, which was formerly known as The Commerce Group, Inc.

In addition to personal auto insurance, Commerce also offers commercial auto insurance, homeowners insurance, business insurance and personal umbrella insurance coverage.

Commerce offers auto liability insurance for property damage and bodily injury.

They also offer personal injury protection and uninsured motorist auto insurance coverage, which are mandated forms of car insurance in New Hampshire and Massachusetts.

Optional forms of auto insurance offered by Commerce include:

  • Bodily injury to others
  • Medical payments
  • Collision
  • Limited collision coverage

Limited collision auto insurance coverage only applies to multiple car accidents in which the covered driver is only found 50 percent or less at fault.

Comprehensive auto insurance is another type of optional auto insurance offered by Commerce Insurance.

Commerce also offers rental car assistance up to the policy limits if you need to rent a car because your car is damaged in an accident.

Towing and labor expenses are also covered up to the policy limits if your car needs to be towed because of an accident.

Purchasing Car Insurance

Before you buy auto insurance, it is highly recommended that you comparison shop for policy rates and investigate any auto insurance company before making a decision.

You can find excellent rate quotes from online auto insurance comparison websites, by going directly to insurance company websites or by talking to an independent insurance broker or agent.

You should compare at least three auto insurance policy rate quotes before making a decision. 

You can investigate auto insurance companies through companies such as JD Power and Associates, Consumer Reports and the Better Business Bureau.

Companies such as AM Best, Standard & Poor’s and Fitch also evaluate insurance companies and grade them based on financial stability and financial reserves.

Look for companies that receive high consumer satisfaction rankings and strong financial stability to ensure that if you need to file a claim, it will be processed quickly and easily.

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