**Top Car Insurance Companies Rated by Consumer Reports**
Paying for car insurance has become increasingly burdensome for consumers as premiums continue to rise without corresponding benefits. In a recent survey conducted by Consumer Reports, the best and worst performing car insurance companies were identified based on customer feedback. While no company received a perfect score, the top performers were recognized for their exceptional service and competitive pricing.
**Consumer Reports Survey**
Consumer Reports surveyed over 40,000 policyholders to rank 36 car insurance providers based on various factors including premiums, claims handling, coverage, policy clarity, customer service, and satisfaction with pricing. Each company was scored out of five for each of these seven factors to determine their overall ranking. The highest scoring companies excelled in providing quality service at competitive rates.
**Top Performers**
Among the top-rated car insurance companies identified by Consumer Reports, several stood out for their exceptional performance. CSAA, a regional insurer available in select states, received a score of 52 out of 100, with high ratings in most categories except for premium costs. Auto-Owners Insurance, operating through independent agents, scored 55 points, showcasing strong customer satisfaction with claims handling.
Shelter Insurance, available in 15 states, received a score of 55, with high ratings for policy clarity and other categories. FBPCIC, serving customers in eight western and midwestern states, scored 57, excelling in claims handling satisfaction. Westfield Insurance, based in Ohio, scored 60, offering quality service across the board.
**Top Three Companies**
Leading the pack with a score of 61, AAA insurance expanded into new territories with high ratings for claims handling and policy coverage. Acuity, with a score of 61, earned praise for its exceptional claims handling and coverage breadth. Wawanesa, now part of the Auto Club of Southern California, scored 62, demonstrating strong customer satisfaction across all categories.
**Top Five Companies**
COUNTRY Financial, offering coverage in 19 states, received a score of 64, excelling in claims handling satisfaction. Cincinnati Insurance, available nationwide, scored 68, showcasing strong performance in claims satisfaction. USAA, exclusively for military members, scored 68, with high ratings in all categories except for premium prices.
NYCM, writing policies in New York State, scored 68, with exceptional satisfaction ratings for claims and premium prices. Amica, offering policies in most states, scored 69, excelling in claims satisfaction and policy clarity. New Jersey Manufacturers, writing policies in select states, received a score of 69, showcasing strong performance across all categories.
Erie Insurance, available in 12 states and Washington DC, claimed the top spot with a score of 72, demonstrating excellence in claims handling and overall service.
**Conclusion**
In conclusion, Consumer Reports’ survey of car insurance companies highlights the importance of quality service and competitive pricing for consumers. While no company is perfect, the top performers identified in this survey offer a combination of excellent customer service and competitive premiums. When choosing a car insurance provider, it’s essential to consider factors such as claims handling, coverage options, and overall customer satisfaction to ensure you receive the best value for your investment.
