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Searching for the Most Reputable Insurance Companies: Evaluating Options

02/14/2024 Written by: Personal Insurance Team

We have an abundance of options at our fingertips for just about everything we can purchase. Finding insurance companies with a good reputation and quality service is important to many of us. In fact, nearly 90% will read through reviews online before committing to a product. While insurance can be a complex subject, it’s not always easy to understand what you’re sifting through when reading online. We’re here to guide you through the basics on what to look for when selecting an insurance company for your needs.

Tips to Improve Your Insurance Search Infographic 

Direct vs. Insurance Broker

Simply put, an insurance carrier is a company that provides your insurance coverage. These can be brands such as Allstate, Geico, and State Farm. While they do offer a variety of products and of course can offer you quotes, they can only offer you their products and rates.

An insurance broker employs agents who represent the insurance carriers and their policies. They legally hold the right to perform certain acts on behalf of the insurance carriers they represent. It’s important to note, an insurance broker represents many carriers, not just one brand. So, when choosing a broker, you have options. You can place your coverage with any of the carriers and brands they represent.

Evaluate Your Coverage Often

Your coverage may need to evolve as life happenings take place. Perhaps you’ve purchased a new car, moved to a new city, or decided it’s time to start a family. All these factors can change what current policies you have in place. Speaking with your agent can open conversations about changes to current coverage, adding additional policies, and/or bundling options available. Ultimately, a once-a-year evaluation should pose as an opportunity to make sure everything is covered.

Use Unbiased Resources

If you have an insurance company in mind, dig deeper than just the Google reviews. We recommend using unbiased resources like AM Best to see the companies’ ability to pay claims and contracts.

Additional AM Best rating information is shown below:

AM Best Rating Chart

There are a lot of resources you can find online to educate yourself about insurance, including our blog, which if you find this article helpful, we encourage you to share. With people at the center of all that we do, the AssuredPartners team works to ensure your experience is positive and that we bring value to your life. We’re in the business to help each other and would love the opportunity to support you. Find an office near you and connect with an agent to learn more about all coverage options you have.

Need more insights? Your local AssuredPartners team can help.

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