Exploring ohio’s top insurance companies involves weighing several factors, including cost considerations, quality customer service and tailoring coverage to meet individual needs. Toth-Felty Insurance can help you navigate the complexity of these considerations with personalized attention and local expertise.
USAA is an excellent option for eligible military members, veterans and their families, as it typically offers cheapest full-coverage rates in Ohio with high satisfaction and affordability scores.
American Family Insurance
American Family Insurance, also known as AmFam, is an insurance company that offers auto, home, life and business coverage. The company has a strong financial rating and is ranked highly for its claims handling process and generous discounts.
Like most car insurance companies, American Family’s rates vary by age and driver record. However, bundling multiple policies and having a good driving record can help save money. Other factors that affect car insurance prices include marital status, credit score and vehicle type. The company also has several apps to monitor driver behavior and can offer additional savings through its usage-based program, KnowYourDrive.
Customer service is a priority for AmFam, which earned above-average marks in J.D. Power’s 2023 auto insurance customer satisfaction study and above-average marks for home and auto claims satisfaction in the company’s most recent complaint index. Customers can file claims and track the status of their requests through an online portal or by calling a dedicated helpline. AmFam’s customer satisfaction levels are also reflected in its reviews on popular consumer review sites, such as Trustpilot.
Auto-Owners
Auto-Owners is a large insurance company with a long history. Its reputation for excellent customer service has been reflected in its high ratings from both the BBB and Trustpilot.
It offers a variety of home and auto policies, including comprehensive auto coverage, guaranteed home replacement cost and water damage protection. It also provides a variety of discounts, including the multi-policy discount and a payment history credit. Other ways to save include opting for paperless billing and online payments. In addition, policyholders can add equipment breakdown coverage or identity theft expense coverage to their policy.
Founded in 1916, Auto-Owners has offices located across the country, including its home office in Lansing, Michigan. The company also has underwriting, marketing and claims offices in many cities, including Grand Rapids, Michigan; Traverse City, Michigan; Springfield, Missouri; Denver, Colorado; and more. Its financial strength has been rated A+ by AM Best. It also boasts a low complaint rate, which is one of the factors WalletHub uses to determine a car insurer’s overall quality. It ranked in the second quartile of WalletHub’s cheap car insurance comparison for 2023.
Cincinnati Insurance
The Cincinnati Insurance Company offers a wide variety of insurance policies in 13 states, through nearly 1,000 selected independent agencies. Its products include auto, home and life insurance as well as a variety of annuities. Its auto insurance rates are competitive, especially for safe drivers who maintain a clean driving record and choose high-deductible policies. It also offers discounts for bundling auto and home insurance policies.
The company also offers a premium collection of car insurance policies for collector cars and other high-end vehicles. These include replacement cost plus and capstone collector car coverage, which bundle a number of specialized features. The company’s supplemental auto coverages are also popular among customers.
Overall, Cincinnati Insurance’s customer service is top-notch. Its claims department receives fewer complaints than the industry average, and its customers report high levels of satisfaction. In addition, the company has received an A+ rating from AM Best, indicating financial strength and stability. Its homeowners policy offers many policy add-ons, including diminishing deductibles and claims forgiveness. Its auto insurance is widely available nationwide. The company also sells life insurance policies in 49 states and Washington, D.C.
Caresource
Caresource is a managed health care company that offers Medicaid and Health Insurance Marketplace plans. The company is headquartered in Dayton, Ohio. Its mission is to provide member-centric healthcare solutions. Its innovative programs address the social determinants of health, as well as prevention and access to care.
Founded in 1989, CareSource is an industry-leading nonprofit that is recognized as one of the largest Medicaid managed care companies. Today, it also offers private health insurance on the Health Insurance Marketplace, as well as Medicare Advantage plans. It also serves people with mental illness and substance use disorders.
The company offers a mobile app that allows members to check on claims, find doctors, and make payments. They also have a member engagement team that works to remove barriers to care, including transportation assistance. Members can also request an external review if they are dissatisfied with a decision made by their health plan. This includes appeals related to denial of coverage or payment for services.
Medical Mutual of Ohio
The company offers a wide range of individual and family health insurance plans on and off the exchange, as well as short-term health coverage. Its SuperMed network features over 43,000 healthcare providers and 99% of Ohio hospitals. The company also offers Medicare Advantage plans and point-of-service products.
In addition to providing quality healthcare, Medical Mutual of Ohio is dedicated to giving back to the community. It supports a variety of charitable organizations with financial contributions, volunteerism and sponsorships. Medical Mutual of Ohio also provides a number of employee benefits, including 401(k) matching contributions and free on-site fitness centers.
The company’s Medicare supplement rates are highly competitive. They offer one rate per age and do not differentiate based on gender or tobacco use. It is a great option for seniors with specific health needs who may have trouble finding other companies to cover them. They also have a long track record of helping Ohioans manage their medical bills and provide support for them as they navigate the often confusing healthcare system.
