The best-rated auto insurance companies in the United States are USAA and Amica Mutual. These insurers have garnered positive ratings in customer satisfaction surveys since 1999 and have top ratings in surveys by multiple consumer reporting agencies. Their top ratings do not necessarily mean they have thelowest premiums; customer service, appropriate loss estimates, good relationships, guarantees with auto repair shops and allowing the customer to choose original manufacturer's parts over cheaper aftermarket parts are all elements customers consider when rating auto insurance companies. To be eligible to purchase from USAA, a consumer must have served in the military or be the spouse or adult child of someone who was a USAA member. Amica's membership has wider availability. In addition, as a mutual company, Amica customers are also owners and receive dividends from the company.
Other auto insurance companies with positive consumer ratings are State Farm, American Family, Auto-Owners Insurance and Automobile Club of Southern California Insurance Group. These companies are considered better than most in automobile insurance. The Automobile Club of Southern California Insurance Group is affiliated with AAA and requires a membership with that organization to purchase automobile insurance. State Farm, American Family and Auto-Owners Insurance have a wider customer bases and are only limited geographically. These companies performed well in categories such as customer service, settlement, repair process, appraisal and rental car process.
NJM Insurance Group received mixed reviews, from being among the top-rated insurers to being just average. To be eligible for NJM insurance, a consumer must be an employee or the spouse of an employee of the New Jersey Business & Industry Association or the spouse, owner or named driver of a current or previous policy with NJM living in New Jersey or Pennsylvania.
When choosing an insurance company, compare companies for their rates and their ratings and then consider the company's relationships. Typically, auto insurance companies develop relationships with businesses and organizations and offer lower rates to persons affiliated with those businesses. Being a member of a group that does business with a particular insurance company can also help you get better service. Recognizing the power of testimonial support and testimonial criticism from personal acquaintances, auto insurance companies are more inclined to provide good customer service to a customer with a large network.
A final consideration in choosing an insurance company is the company's financial stability. Most big insurance companies have good financial ratings. The earnings reports of these companies are public record.
Working directly with an insurance agent can also help you decide on an insurance company. Insurance agents who represent multiple insurance companies can do the comparison shopping for you. In addition, agents have experience with many companies and can guide you on the benefits and drawbacks of each company.
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