Still, there’s no denying that Allstate is popular in Texas, with the second-most market share of any company at roughly 11.2%. It’s also one of the only companies to offer “gap” insurance for new cars, something State Farm and Farmers are both missing. And if your Allstate quote is lower than its competitors, it could mean the difference in whether you can afford comprehensive and/or UM/UIM coverage, two especially valuable add-ons in Texas.
Allstate is more reasonable in terms of pricing, and came out cheapest for drivers under 25 according to our quotes. Both J.D. Power and Consumer Reports readers rated it just a hair lower than State Farm overall, but at the top for claims satisfaction. So we were puzzled to see its complaint index was the highest by far among the top five, and the only one considered above average for all Texas insurers. Since the most common consumer complaint is that payments are too low, it seems likely that Allstate is stingier in its claims determinations than most companies. Its financial strength, while not quite top-tier, is good enough that you’ll never have to worry about getting paid; the bigger question is whether you’ll be satisfied with the amount.
Amica consistently ranks among the top homeowners insurance companies for J.D. Power, and for good reason. It’d be easy to chalk it up to “good customer service”, but what exactly do customers value most when judging how good or bad a company’s customer service is? Insurance claims and how communicable they are through the underwriting process. When filing a claim with Amica, you can be sure it’ll be pain-free, mark it down.
Be sure to take an inventory of all of your personal belongings inside the home, value them, and calculate what it would cost to repair or replace your stuff if they’re damaged, destroyed, or stolen by a covered loss. Most of the top home insurance companies will provide checklists, calculators, apps, and other resources to help you keep track of and protect your belongings.
Travelers: Travelers is the second-best car insurance company. Travelers' customers report that they appreciate the customer service Travelers provides, and the company gets high marks for how it resolves its customers’ claims. Travelers' lost a few points from customers who didn’t feel like they got good value from the company, and Travelers' average annual rates are a bit higher than average among all companies on this list.
State Farm: State Farm is the third-best car insurance company, though its overall score is very close to second-place Travelers. State Farm gets high marks from its customers for ease of filing a claim, and many State Farm customers say they're likely to renew their policy with the company. State Farm customers report being satisfied with the value they get from the company, and it’s no wonder they say that: State Farm rates are, on average, lower than most of the competition.
Still, there’s no denying that Allstate is popular in Texas, with the second-most market share of any company at roughly 11.2%. It’s also one of the only companies to offer “gap” insurance for new cars, something State Farm and Farmers are both missing. And if your Allstate quote is lower than its competitors, it could mean the difference in whether you can afford comprehensive and/or UM/UIM coverage, two especially valuable add-ons in Texas.
This longstanding insurance company has a lot of options, so there's sure to be a comprehensive plan that meets your needs. Blue Cross Blue Shield is a nationwide provider made up of local independently operated companies. This means the coverage is broad but can vary depending on where you live. There are more plans compared to other insurance providers we evaluated. In fact, we were given a choice of about 20 plans during testing. There is a side-by-side comparison feature that outlines specific costs and benefits with a pop-up window that shows you even more information about each. 
One way to do this is to call the insurance company and see what the hold time is and what the service is like when you wait to speak to a representative about a general inquiry. If the hold time is 3 hours and they don’t seem like an accommodating group, you’re probably not going to want to deal with them after you just lost your house and file a claim.
Travelers: Travelers is the second-best car insurance company. Travelers' customers report that they appreciate the customer service Travelers provides, and the company gets high marks for how it resolves its customers’ claims. Travelers' lost a few points from customers who didn’t feel like they got good value from the company, and Travelers' average annual rates are a bit higher than average among all companies on this list.
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