Choosing an insurance company is more than just picking the lowest quote. You’re trusting this company to be there when life throws the unexpected your way—whether it’s a car accident, storm damage to your home, or a medical emergency. With so many options on the market, knowing how to evaluate an insurance company can give you peace of mind and ensure you’re making a wise investment.

Here’s what to consider when choosing an insurance provider—and how SBJW Insurance can help you make the right choice.

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1. Check the Company’s Financial Strength: Look for an A Rating or Higher

One of the most important—yet often overlooked—factors is the financial strength of the insurer. You want to know that the company can actually pay out claims when the time comes.

That’s where A.M. Best comes in. A.M. Best is a trusted credit rating agency that evaluates the financial stability of insurance companies. Ratings range from A++ (Superior) to D (Poor). To be on the safe side, look for companies rated A (Excellent) or higher.

An A-rated or better insurance company is considered to have a strong ability to meet its ongoing insurance obligations. This means fewer worries for you in times of crisis.

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2. Evaluate Customer Service and Claims Handling

A policy isn’t just about coverage—it’s about the people behind it. Look into how the company handles customer service, including:

• Ease of filing a claim
• Speed of claim payouts
• Responsiveness to inquiries
• Transparency in communication

Online reviews, independent ratings (like J.D. Power), and feedback from friends or family can be helpful here.

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3. Understand What’s Covered—and What’s Not

Don’t just look at the premium price. Review the details of what the policy includes and excludes:

• Does it cover all the scenarios you’re concerned about?
• Are there high deductibles or hidden exclusions?
• Is there flexibility to add endorsements or additional coverages?

A lower premium may not be worth it if it comes with limited protection.

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4. Consider the Company’s History and Reputation

How long has the company been in business? Are they known for stability and consistent customer support? While newer insurers can be innovative, there’s value in choosing a company with a long-standing track record of reliability.

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5. Let SBJW Insurance Help You Find a Top-Rated Carrier

At SBJW Insurance, we specialize in helping you sort through the noise to find a carrier that is not only affordable—but also reliable, responsive, and financially strong. Our team partners with A-rated or better companies that have proven histories of taking care of their customers.

We don’t just hand you a quote and wish you luck. We listen to your unique needs, answer your questions, and match you with a carrier you can trust. Whether it’s auto, home, business, or health insurance, we’re here to help you find the right fit.

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Final Thoughts

Choosing the right insurance company is about more than price—it’s about trust, protection, and peace of mind. By focusing on financial strength, customer service, policy details, and reputation, you can make a smart, informed decision.

And if you’d rather not go it alone? SBJW Insurance is here to guide you every step of the way.

Ready to get started?
Contact SBJW Insurance today and let us help you find a top-rated insurance provider tailored to your needs.