Where can I find a free auto insurance company rating?

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Things to Remember...
  • When you are buying car insurance, you not only want the best policy premium rates possible, but you also want a car insurance company that will provide you with excellent customer service and efficient claims processing
  • One source for free information about auto insurance companies is insurance review websites
  • You can also evaluate potential car insurance companies based on consumer satisfaction
  • At a minimum, you should review your auto insurance company once a year, and more often if your policy comes up for renewal more than once a year

Auto insurance is mandatory in 47 states. When you are buying car insurance, you not only want the best policy premium rates possible, but you also want a car insurance company that will provide you with excellent customer service and efficient claims processing.

In order to find great companies with these qualities, enter your ZIP code into our FREE car insurance comparison tool.

You should compare at least three companies along with their auto insurance company pricing before you make a final purchasing decision. You should also review your insurance company each time your policy comes up for renewal.

Insurance Company Review Websites

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One source for free information about auto insurance companies is insurance review websites.

Review sites frequently evaluate insurance companies and investigate their customer service, compare premium rates and evaluate their products and services.

Often, they will recommend cheap auto insurance companies that they believe offer excellent services to their customers. You can also usually request premium rate quotes from companies listed on their review site.

Insurance Comparison Websites

Another source for information about insurance companies is insurance comparison websites. Comparison websites frequently have numerous articles about various aspects of car insurance which may help you understand your insurance needs better.

You can also receive rate quotes from numerous insurance companies and compare rates using these websites.

Many auto insurance comparison websites contract with insurance companies and agents to provide quotes to customers interested in purchasing car insurance. This provides competition between companies and allows you to choose the best insurance rates.

Consumer Satisfaction Reports

You can also evaluate potential car insurance companies based on consumer satisfaction. JD Powers and Associates performs an annual review of auto insurance companies.

They survey thousands of customers and talk to them about their experiences with car insurance companies and publish their findings on their website.

Consumer Reports also conducts frequent reviews of auto insurance companies. They evaluate companies based on customer satisfaction, customer service, claims processing and policy benefits.

You can find the results of Consumer Reports evaluations on their website or in their magazine publication.

FREE Auto Insurance Comparison

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Financial Stability Ratings

Financial stability is another important factor when choosing an auto insurance company. Insurance companies are financial institutions that need financial reserves to pay for policyholder claims.

Independent financial evaluation companies, such as Standard and Poor’s, Fitch and AM Best regularly reviews insurance companies and evaluates their financial stability.

In addition to financial reserves, they also evaluate a company’s credit rating, financial policies and years of business. Ratings are based on letter grades and the highest possible superior letter grade is “A++.”

Letter grades within the “A” rating are considered superior; grades in the “B” range are considered good and grades lower than a “B” are given to companies with less financial stability.

Consumer Recommendation Websites

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Another source for top rated auto insurance companies is consumer recommendation websites.

With the growth of the internet, numerous sites have appeared which allow consumers to voice their own opinions and recommendations regarding products and services, including car insurance.

Websites such as My3Cents, Angie’s List and City-Data allow customers to post reviews of their experiences, both good and bad.

Auto Industry Websites

You can also find out rating information about car insurance companies from auto industry websites.

Sites such as Auto.com and Edmunds review auto insurance companies in addition to providing information about car performance and safety features. They also provide recommendations and tips for buying car insurance and getting the best coverage possible.

Business Reputation

An auto insurance company’s business reputation is also a factor in ratings. The Better Business Bureau posts information on car insurance companies and complaints filed against them.

Although the BBB makes an effort to mediate and resolve disputes between consumers and insurance companies, they also publish statistics and information about complaints.

Additionally, the Better Business Bureau has a certification program for companies displaying a superior commitment to customer service and consumer satisfaction.

Licensing

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When you buy car insurance, you want to purchase it from a company that is licensed to provide services in your state. Every state has a Department of Consumer Affairs, which regulates the insurance industry in their state.

By visiting your state’s Department of Consumer Affairs website, you can find out if an auto insurance company is licensed in your state.

You can also find out about the licenses of insurance brokers and agents. Additionally, you can learn about any lawsuits or complaints that have been filed with the state against insurance companies, agents and brokers.

Buying Auto Insurance

When you buy auto insurance, hopefully, you will choose a company that has more than just good rates. Good rates can be tempting. However, if the insurance company does not pay claims, has poor customer service or drops you if you file a claim, then you are not really getting a good deal at all.

A top rated insurance company has good customer service, is financially stable, and has good rates. They often will offer discounts to help keep your rates down and incentives to keep you as a customer.

At a minimum, you should review your auto insurance company once a year, and more often if your policy comes up for renewal more than once a year.

Our FREE car insurance comparison tool is available to you now with your ZIP code. By regularly reviewing your car insurance needs and company, you will not only keep your rates affordable, but you will also get the best insurance possible.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

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