CSAA Insurance Group Auto Insurance Ratings
Ranked No. 2 Overall
Product
Auto
Overall
89.64
out of 100
| Product |
HOW WE WEIGH OUR SCORE
Price
35%
Customer service
25%
Claims
20%
Website and app
10%
Renew/Recommend
10% | Claims Processing | Customer Service | Value for Price | Website and Apps | % Who Would Recommend to a Friend | % Who Plan to Renew | WHAT IS THIS RATING? A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company. October 31, 2019 |
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AM Best Financial Strength RatingsOctober 31, 2019
A
Other Companies to Consider:
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Reasons for Buying from CSAA Insurance Group
Customers of CSAA Insurance Group originally decided to purchase from the company for these reasons:
| Offered best price | 23% |
| Recommended by friend or family member | 23% |
| Reputation | 16% |
| Saw online ad | 11% |
| Financial Strength rating | 8% |
| Was the company my parents had | 7% |
| Saw TV commercial | 6% |
| The company website and mobile apps are easy to use and helpful | 4% |
| I had other insurance with this company | 2% |
How likely are you to recommend this company to a friend, coworker or family member?
Would you renew?
Website and Apps
How easy to use and how helpful they are
48%
Satisfied - Fulfills my needs okay.
36%
Completely satisfied - Gives me what I want and more.
8%
Neutral - No good or bad feelings on this.
6%
Never visited or used website or mobile app.
1%
Not Satisfied - Is not a good website or app.
1%
Very unsatisfied - Their digital offerings are not good at all or nonexistent.
How You Prefer to Deal with Insurers
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About CSAA
Types of auto coverage
- Personal auto
- Motorcycle
- All-terrain vehicle
Additional policies offered
- Homeowners
- Life
- Renters
- Condo/Townhouse
- Rental Property
Best Auto Insurance Companies 2020: How CSAA Insurance Group Stacks Up
CSAA Insurance Group placed second overall with a solid score of 89.64, and earned rankings in the top three across all categories, except website/app usefulness where it placed a respectable fifth (score of 84.89). CSAA’s highest score of 93.51, for claims handling landed it in second place for that category. It placed second for value, with a score of 87.6, and third with a score of 90 for customer service. For its website and apps’ usefulness, CSAA Insurance Group ranked fifth, with a score of 84.89. It had the highest percentage (94%) of policyholders who said they’d recommend CSAA Insurance group to family and friends.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of CSAA Insurance Group's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, CSAA Insurance Group (NAIC# 15539) had a complaint ratio of 0.79 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
AAA auto insurance
CSAA Insurance Group is part of the nation-wide AAA-affiliated insurance companies. While the CSAA Insurance Group is primarily associated with AAA Northern California, Nevada and Utah, it’s extended its presence to become a provider of AAA-branded insurance from coast-to coast. CSAA Insurance Group now offers insurance to AAA members in 23 states plus the District of Columbia. Look for their offerings in these states:
- Arizona
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Idaho
- Indiana
- Kansas
- Kentucky
- Maryland
- Montana
- Nevada
- New Jersey
- New York
- Oklahoma
- Ohio
- Oregon
- Pennsylvania
- South Dakota
- Utah
- Virginia
- West Virginia
- Wyoming
Consider AAA for membership perks and discounts
In order to purchase AAA auto insurance, you must be a AAA member – with annual dues ranging from $48 -$98 depending on the club. AAA boasts 55.6 million members in the U.S. and Canada, and AAA offers a substantial amount of services, programs and discounts for AAA members. Some of these services include insurance, access to roadside assistance (regardless of vehicle or location within the U.S.), travel agencies, AAA Diamond rating system and discounts at partner locations.
Contact information:
Corporate Headquarters 3055 Oak Rd.
Walnut Creek, CA 94597
Customer service/Claims assistance: 800-922-8228
Coverage Options
New car replacement
If you total your car the insurer will pay for a new car.
Offers 12-month policies
Your policy term can be one year before the next renewal.
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
"Facilities are good"
-Age 18-36, Arizona
"It is very trustworthy"
-Age 18-36, California
"They are very considerate with their customers"
-Age 18-36, California
"They have a good reputation for a reason and membership includes discounts at various places such as theme parks."
-Age 18-36, California
"They take care of their clients"
-Age 18-36, California
"They will take off your pressure during the critical moments"
-Age 18-36, California
"Company thinks a lot about vehicle as well as its owner having value packages with good services skills."
-Age 18-36, Colorado
"Customer friendly insurance company"
-Age 18-36, Connecticut
"Good offerings for all categories"
-Age 18-36, Connecticut
"Good service provider with unbiased views"
-Age 18-36, Connecticut
"I get excellent treatment even after becoming the customer, they carry the relationship in a healthy way"
-Age 18-36, Connecticut
"I have seen many fraud insurance companies, I am lucky to be with this one who is good."
-Age 18-36, Connecticut
"Low premium and agents are very much in to customer satisfaction"
-Age 18-36, Connecticut
"Their response time is good"
-Age 18-36, Connecticut
"They are really concerned for the well being of the customer"
-Age 18-36, Connecticut
"You will find that they are always ready to provide you guidance at every stage"
-Age 18-36, Connecticut
"Offer smart service to the customers"
-Age 18-36, Delaware
"Is the best company to choose."
-Age 18-36, Delaware
"They cover all your needs"
-Age 18-36, Idaho
"They genuinely work for you"
-Age 18-36, Indiana
"Are the best service provider according to me"
-Age 18-36, Kansas
"I am satisfied since they have answers for my every queries"
-Age 18-36, Kentucky
"Specific feature of the company is quality auto glass services at a fair price and offer of best procedure to make things attractive."
-Age 18-36, Montana
"Very enthusiastic in their efforts"
-Age 18-36, New Jersey
"Five stars for this company"
-Age 18-36, New York
"I would recommend it to others."
-Age 18-36, New York
"In addition to having a good service, it gives us confidence and security at the time of any event, thanks to its ability to solve any inconvenience and rapid attention."
-Age 18-36, New York
"It offers great benefits"
-Age 18-36, New York
"They have been very understanding and helpful"
-Age 18-36, Oklahoma
"This insurer is safe and responsible"
-Age 18-36, Oklahoma
"I have a good experience with this company because it gives all types of coverages according to your budget."
-Age 18-36, South Dakota
"There is an option available of up to $200 in Lift credit under the policy of company also their is choice to rent out the vehicle through companies agent."
-Age 18-36, South Dakota
"Very friendly staff"
-Age 37-52, Arizona
"100% availability of their representatives"
-Age 37-52, California
"Cheapest I could find, so good."
-Age 37-52, California
"Excellent in all respects."
-Age 37-52, California
"I found them very positive"
-Age 37-52, California
"Simple and easy process on claim"
-Age 37-52, California
"They are very reliable and easy to deal with."
-Age 37-52, California
"They stand for their companies reputation"
-Age 37-52, California
"I have compared with others, they have the best coverage"
-Age 37-52, Connecticut
"No issues with plans and policies"
-Age 37-52, Connecticut
"This company has a standard of working"
-Age 37-52, Connecticut
"Good experiences because CSAA customers will have the option of up to $200 in Lyft credit to get around while their car is out of commission, or may choose to rent a car through their CSAA agent."
-Age 37-52, Delaware
"Good quality and good quality of service"
-Age 37-52, Delaware
"They certainly built a worry free environment for you"
-Age 37-52, Delaware
"They offer variety of policies for every budget"
-Age 37-52, Delaware
"Valuable discounts are given, protect the customers its driver and vehicle guarantees the repair till the vehicle survives."
-Age 37-52, Delaware
"Found them great with very reasonable premium"
-Age 37-52, Indiana
"Good experience because once you become a policy holder you can also enjoy travel benefits including discount on cruises, airline, hotel and all other accessories."
-Age 37-52, Indiana
"It is a very good company"
-Age 37-52, Indiana
"Nice experience with this company"
-Age 37-52, Indiana
"They educate you also as what are paying, your needs and what exactly you will get"
-Age 37-52, Indiana
"Very good network and time taken for the claims process is less than other companies"
-Age 37-52, Indiana
"You receive frequent update coverage"
-Age 37-52, Indiana
"They are very polite and responsive"
-Age 37-52, Kentucky
"This insurance company secure the vehicle along with its employer and employee in policy."
-Age 37-52, Nevada
"Do not waste time of the customers, that's good"
-Age 37-52, New Jersey
"Easy to get reimbursed"
-Age 37-52, New Jersey
"This company has an excellent service"
-Age 37-52, New Jersey
"Very good Insurance company at least for me"
-Age 37-52, New Jersey
"Good customer support"
-Age 37-52, New York
"I feel very satisfied with the company since it has an excellent service to its customers. I would like many people to know about this great and wonderful company"
-Age 37-52, New York
"it is convenient and helpful"
-Age 37-52, New York
"Lowest policy rates so far"
-Age 37-52, New York
"I found them very responsive to my issues"
-Age 37-52, Oklahoma
"Very good company; it always supports its customers"
-Age 37-52, South Dakota
"Are easy to work with, are helpful wirh DMV tags, maps & vacations besides insurance"
-Age 53+, California
"Company is providing good interface in app and make things easy to understand"
-Age 53+, California
"Company is providing me a good policy and 24*7 services"
-Age 53+, California
"Company offers for customers of up to $200 in lift credit to get around while customers car is out of commission or may choose to rent through company agent."
-Age 53+, California
"Difficult to have an actual agent to speak with. Have to call a 800 number and so don't have a dedicated agent. Years ago I had an accident where another person was at fault and company was very responsive and helpful in working to ensure everything was taken care of."
-Age 53+, California
"On comparison, I found them above the rest"
-Age 53+, California
"Other companies can't beat the progress of this company"
-Age 53+, California
"Policies of this company is good and claim process is really fast"
-Age 53+, California
"The premium is consistently lower than other companies for the same coverage and I do check every time I renew. Plus, the customer service is great and that is one of the most important criteria that I evaluate a company on"
-Age 53+, California
"They are very good at what they do"
-Age 53+, California
"They have reasonable prices, good customer support, and the one time I made a claim they were very reasonable and easy to deal with"
-Age 53+, California
"Company is good and providing nice policies with better services"
-Age 53+, Colorado
"No service fees for monthly pre-authorized installments and other discounts are available such as multi vehicle and multi line discounts."
-Age 53+, New Jersey
"Keeps premiums low and affordable for good service"
-Age 53+, South Dakota
"Companies gives good behavior service to own customers"
-Age 53+, Utah
"Good benefits all around "
-Age 53+, Wyoming
"It provides wide variety of coverage, limit and deductible choices, pricing is unique and affordable."
-Age 53+, Wyoming
"High market value of this company and no bad experience so far."
-Age 18-36, Arizona
"Fairly straightforward"
-Age 18-36, California
"I would tell every one of my friends to keep away from this company because of its reputation"
-Age 18-36, California
"The responses of the company complaints are very bad"
-Age 18-36, California
"The towing package is a must, and having to call a flat-bed can get tedious with other companies."
-Age 18-36, California
"So far I've not had any problems"
-Age 18-36, Connecticut
"Offers are very eye catching"
-Age 18-36, Montana
"I found it to be ok company, they need to upgrade the customer service"
-Age 37-52, Arizona
"Nothing spectacular, good or bad. Decent rates."
-Age 37-52, California
"I didn't made a mistake by choosing this company for me"
-Age 37-52, Connecticut
"Satisfied with the customer service but not with the price, they keep on raising it"
-Age 37-52, Kentucky
"I have good experience because this company provide the option of up to $200 Lyft credit to get around while their car is out of commission."
-Age 37-52, Nevada
"Never had a problem with them and renewal is simple"
-Age 37-52, New Jersey
"Rates are good but are expensive as compared"
-Age 37-52, New York
"Haven't had any problems contacting or with claims."
-Age 53+, California
"I have not found them to be very customer service oriented"
-Age 53+, California
"I'd like to see if I can find a better insurer"
-Age 53+, California