64% of Americans are less than "fully engaged" with their insurance company, according to a new Gallup poll. And our youngest generation, the so-called millennials, are the least engaged of all! This post breaks down:
Louisiana has the 4th highest car insurance rates in the country! Our average premium is $1,842 - over $500 more expensive than the national average of $1,325. But we certainly don't get better service for the extra money. There are many proposed reasons for the high rates, including:
Here's what residents have to say about their insurance company:
An independent insurance agent in Livonia, Louisiana is disgusted with the industry:
“Information is always varied from rep to rep... Being able to get a hold of a rep is near to impossible, and obtaining accurate information?? Forget about it!”
A Metairie, Louisiana customer posted:
“I had an accident in April, here it is August and they still haven't paid my claim. UN-BE-FREAKIN-LIEVABLE. I saved 55 dollars a month...for this?”
This leads us to create our own list of the 10 worst insurance companies in Louisiana. We used multiple data sets to compile our list. First, we combined existing 'Worst Insurance Company' lists from SmartShop, Property Casualty 360 & Insure.com, who ranked these companies based on surveys of 4,000 customers nationwide. Then we overlaid those scores with the aggregate customer review scores on Consumer Affairs.
The lower the score, the worse the company, so 1st place can be considered the Worst Insurance Company in America:
10th place: Direct General Insurance Company
Insure score: 85.9
SmartShop score: F (more than 4x as many complaints as average)
Consumer Affairs: 1.1 stars
9th place: Allstate Insurance
Insure score: 82.6
Customers who recommend this carrier: 84%
Claims processing stars: 4
Financial strength ratings: A+
Consumer Affairs: 2.5 stars
SmartShop score: A-
8th place: Liberty Mutual Insurance
Insure score: 82.1
Customers who recommend this carrier: 78%
Claims processing stars: 4
Financial strength ratings: A
SmartShop score: B
Consumer Affairs: 1.2 stars
7th place: Titan Insurance/ Nationwide
Insure score: 82
Customers who recommend this carrier: 88%
Claims processing stars: 5
Financial strength ratings: A+
Consumer Affairs: 2 stars
6th place: Farmers Insurance
Insure score: 81.4
Customers who recommend this carrier: 78%
Claims processing stars: 4.5
Financial strength ratings: A-
Consumer Affairs: 1.6 stars
5th place: American Family Insurance
Insure score: 80.7
Customers who recommend this carrier:79%
Claims processing stars: 4
Financial strength ratings: A+
Consumer Affairs: 1.9 stars
4th place: Mercury Insurance
Insure score: 79.6
Customers who recommend this carrier: 75%
Claims processing stars: 4.5
Financial strength ratings: A-
Consumer Affairs: 1.1 stars
3rd place: Esurance
Insure score: 79.6
Customers who recommend this carrier: 78%
Claims processing stars: 4.5
Financial strength ratings: A+
Consumer Affairs: 1.2 stars
2nd place: Travelers Auto Insurance
Insure score: 78.7
Customers who recommend this carrier: 74%
Claims processing stars: 4.5
Financial strength ratings: A++
Consumer Affairs: 1.6 stars
Worst Insurance Company: 21st Century Insurance
Insure score: 78.1
Customers who recommend this carrier: 83%
Claims processing stars: 3.5
Financial strength ratings: A
Consumer Affairs: 1.5 stars
(Not all companies were represented in the study & we excluded some local companies with incomplete data)
You may look at these numbers and think “they're not too bad”; however, let me share some industry information:
First, the rates. Here are 5 ways you can lower your car insurance costs:
With the 4th most expensive premiums in the country, it should come as no surprise to insurance carriers that Louisiana residents expect excellent service. Let's use this article to hold insurance companies to a higher standard & demand more accountability & a higher level of customer service.
You should consider an accident attorney if the insurance company is not willing to pay you for damages to your car or person. You should also consider one if the other driver doesn’t have insurance, or if their insurance coverage is not substantial enough to address all of your damages. It’s crucial that you contact a Monroe car accident attorney immediately so you can learn more about your legal rights and get the help you deserve right away. We would love to talk to you.
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