It is easy to feel that one spent the money well on a delicious meal or on a long-awaited vacation, but: what happens when there is something that one does not necessarily want but needs-for example, what are the best insurance companies?
Fortunately for you, there are people like us who earn that money by searching carefully for information on insurance companies (and who really enjoy doing it).
Each year, Insure.com's Best Insurance Companies Survey reveals the top 20 auto insurance companies and the 15 best insurers of health, home and life. So, instead of worrying about not getting the best out of the money you earn hard at work, you can enjoy the satisfaction that comes from being a shrewd consumer.
The auto, health and home insurers were rated based on the qualifications of policyholders who were surveyed within the category of customer service, quality according to price, renewal of the plan, and whether they would recommend it. These five weighted categories reflected the priorities that consumers rated as the best, considering the needs to be insured.
"Our survey is a great tool to help reduce anxiety by asking if there is something that is
better and that one may be missing," says Jennifer Shelton, chief editor of Insure.com. "You
can ask for recommendations from five or six family members or spend hours online or on
the phone. We have asked more than 3,700 people, and at first glance, you can take the
best decision for your needs. "
The best auto insurance companies
Companies rate factors differently, so variants – such as road construction, crime rate and
accident frequency in your city, which change every year – can make a difference in the way
you do. A company would provide the budget for a policy. A company could qualify the area
in which you live more favorably than another company, so it's always worth comparing
budgets, at least every couple of years, to be able to benefit from the best available rates.
For 2017, USAA regained the first place in auto insurance. The insurer has established a
reputation for treating its insured very well, but maybe that's because not everyone can
subscribe. In order to have an account, USAA requires military affiliation.
This year, Auto Club of Southern California ranked second, and while making policies in just
a few states, the AAA affiliate assures more than six million members. "It should not
discourage the fact that the three best companies are affiliated with organizations. First,
USAA has several ways to demonstrate military association, and with Auto Club of
Southern California and CSAA, anyone can sign up for an insurance policy. However, you
could also become a member of AAA and obtain the additional benefits that are involved,
such as service on the routes. "
Residents of the Golden State have several options, but it seems to be a good option to
choose a fully focused insurer familiar with one of the most populated areas in the country.
Look at the scores and ratings of the 20 insurance companies in the survey.
The best health insurance companies
Medical care in the USA It can be overwhelming, so finding a company with which you can
feel satisfied and receive attention is like winning the Olympic gold medal for being an adult.
Whether you have insurance through your employer, the market or through an individual
policy, familiarizing yourself with the companies and what the plans offer, can help you
make better decisions at the time of open enrollment.
This year, the Blue Cross Blue Shield subsidiaries seem to have done a good job of
keeping consumers happy. Florida Blue and Blue Cross Blue Shield of Michigan reached
first and second place, both earning 4.75 stars for their customer service – the highest in the
A provider located in New York, EmblemHealth, reached the third place in our health
These three health insurers specific to these states, provide services to more than 12
million members of the 289 million Americans who have some type of health insurance.
Look at the scores and ratings of the 15 health insurance companies in the survey.
The best home insurance companies
Auto insurance commercials constantly encourage you to change insurance and the
chances are that – unless you are a superhero you have not discovered – you are using your
health benefits a couple of times a year. But often, not much attention is given to
homeowners insurance beyond the requirement to have it with their mortgage loan or in the
unfortunate event of a disaster in the home. The insurance of your home protects your most
valuable assets. Understand your needs or your current policy, then carefully compare the
options and rest a little better.
After reaching the first place in the category of auto insurance, this year, USAA won the first
place for the second time with a total score of 97.5, the highest score of the entire survey.
The margin between the first and second place was the widest in the category of home
insurance, with a difference of seven points. Chubb have a reputation for being the
company that people turn to to ensure luxury needs, and their high and consistent scores
indicate that their customers are satisfied with the result. Currently, Chubb provides
coverage to 31 states.
Allstate, behind Chubb for very little, earned a total score of 90.3 despite being the national
insurer that scored a perfect score of five in the claims processing category.
Look at the scores and ratings of the 15 home insurance companies in the survey.
The best life insurance companies
Due to the unique nature of life insurance products, the score, the processing of claims and
the likelihood of renewal are omitted. The categories of customer service, quality according
to price and if I would recommend it are the weighted factors when rating the best life
In the only category where national and non-state companies or member companies were
the leaders, Voya Financial, formerly ING, reached the first place in the life insurance
category this year with a stellar total score of 97.1 and perfect ones Five stars for their
customer service. State Farm, the multi-item insurer, came in second and John Hancock
Life Insurance came in third.
Look at the scores and ratings of the 15 life insurance companies in the survey.
It may be that small companies keep their customers more satisfied.
The general trend observed is that smaller companies, which specialize in a particular line
or region, appear to be more successful in keeping their customers happier than those that
are large enough to expand in each type of coverage and financial product. That said, there
were a couple of big successful companies.
Penny Gusner, consumer analyst at Insure.com says: "It is remarkable that State Farm and
Allstate are able to maintain such high ratings for consumer service. It is common to see
companies so big and with so many diverse products that they lose the ability to maintain
the service to the consumer as part of the company's paramount values