J.D. Power Auto Insurance Survey

Shopping for car insurance can be a tumultuous process, especially in today’s world with so many insurance providers. Luckily for consumers, companies such as J.D. Power and Associates will review the auto insurance providers and the industry each year and publish the results. The results are usually published in August and can assist consumers with narrowing down the provider pool, based on factors that are important to them. The grading factors of the survey are geared toward customer satisfaction and are based on 5 factors (Overall Satisfaction, Contacting the Insurer, Policy Offerings, Billing and Payment and Pricing). In 2009, J.D. Power and Associates awarded Amica Mutual the highest in customer satisfaction for the 10th consecutive year, followed by State Farm, Shelter, Auto-Owners and Erie Insurance, respectively. Customers chose and stay with Amica Mutual because of their low rates, outstanding customer service, Better Business Bureau accreditation and the timely-fashion in which they pay their claims. The only drawback with Amica Mutual is the acceptance rate in which clients are covered and the fact that they do not cover drivers in Hawaii.

State Farm finished just behind Amica Mutual in the 2009 study. State Farm customers are usually very happy with the overall satisfaction the company provides. State Farm received great scores in the ability and ease of contacting and interacting with the insurer. The main differentiators between Amica Mutual and State Farm were noted in the pricing section. This area may be attributed to the fact that State Farm is the nation’s largest auto insurer, offering competitive rates, but not as low as Amica Mutual due to their selection process. Rounding out the Top 3 was Shelter Insurance Company. Shelter customers can expected a very good overall customer experience from the ability to interact with the insurer to being offered very competitive prices. The main difference between Shelter and the top two insurance companies is Shelter only operates in 14 states. While these reviews are extremely helpful for consumers, they should be used solely as a guide to identify the right insurance provider, especially as more and more insurance providers enter the online market.

Before looking for a provider, consumers should research what types of discounts are offered, what the average premium is for the selected car and be aware of their past driving record and credit score. Once they have a good idea of where they stand, choosing an insurance provider will be much easier.

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