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UPDATED: Oct 25, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.


This site is designed to help you wade through the piles of information out there about insurance and aide you in making an educated decision when it comes to your insurance needs. If you have any questions about anything insurance related, feel free to contact us. If you are looking for insurance quotes, be sure to check out the Recommended Insurance Companies or Get Insurance Quotes page.

About Insurance Company Reviews

The reviews found on this site are based on extensive online research including a companies website, other review sites, client praises and complaints and comments that are left on These reviews are designed to help consumers who need a little guidance when choosing an insurance company or service. They by no means cover all aspects of each company in detail, for these businesses are large and that sort of work is beyond the scope of this website.

The reviews should be used as a guide to help point consumers in the right direction. For complicated insurance matters, it is advised that consumers seek professional help from someone who can give recommendations based on specific situations.

About Health Insurance Company Reviews

The information above describing the review process applies to health insurance companies, with additional considerations:

Since health insurance service and laws vary by state, the reviews on may be comprised from information found about a particular company from the three largest states (by population) in the US: California, Texas and New York. If a company does not operate within all three States, the remaining States they do business in will be used. Additional States may be added to help supplement the review if information proves to be sparse.

An example of when this may be used is when citing third party sources like Consumer Reports or J.D. Power. These organizations often organize their ratings for health insurance companies by State.

About Example Auto Insurance Rates

Example insurance rates are run for as many insurance company reviews as possible. Since some companies do not provide quotes over the phone or internet, the best rate determination is done by research. For companies that rates are obtained, the following driver and car information is used for comparison purposes:

Married 30-year-old’s
No kids
No accidents
No tickets

2008 Ford F-150 (Base Model)
2005 Toyota Camry (Base Model)

BI – 250/500
Property 100
Comp/Coll Deductible 1000
Uninsured Motorist 250/500

All other details are kept the same to provide the most comparable rates possible.

About Example Term Life Insurance Rates

Term life insurance test rates are established by running quotes on popular third party broker websites or obtaining quotes directly from the insurance company being reviewed. Each term life quote is established using the following information:

30-year-old male
Lives in California
Premier Plus status
No tobacco use
20-year term
$1 million policy

About Ratings

Insurance company reviews are typically assigned a rating based on a 5-star system. The stars represent the following:

  • 5 Star – Excellent
  • 4 Star – Above Average
  • 3 Star – Average
  • 2 Star – Below Average
  • 1 Star – Poor

The ratings are determined based on research and author opinion. The factors that may be included are, but not limited to, customer service, price, claims process, strength of business, public reputation, online complaints/praises, advertising policies, website usability, information available online, product distribution method, and service area.

About Financial Ratings

Older reviews had their grades converted to an A – F format based on the Weiss rating system for easier-to-understand comparisons. This was done because rating firms front-load grades so company ratings often appear better than they are. For example, in the Fitch rating system, there are four grades higher than an “A+” rating. However, reviews written after July of 2013 use the standard grade assigned by the rating companies.