Commercial Travelers Mutual Insurance Company: Fill & Download for Free

1. State FarmState Farm operates as a mutual insurance company, meaning that it’s owned by its policyholders. State Farm is the largest auto insurance company in the U.S. and possesses 18% of the total available market share. Nearly one in five dollars spent on private passenger auto premiums in the U.S. is paid to State Farm. The company currently employs approximately 70,000 employees and has nearly 19,000 agents. In accordance with its large market share, State Farm’s latest annual report shows a net gain of over $1.7 billion.Our Thoughts: State Farm is a great auto insurance company for anyone who wants a local agent and a personalized insurance experience. However, State Farm doesn’t typically offer drivers the most competitive rates. If you want or need a curated experience, and are willing to pay for it, State Farm is a great choice.Read our full State Farm review.3 out of 5 rating from J.D. Power for overall satisfaction.2. GEICOGEICO, well known for its animated gecko, has served as an underwriter to more than 16 million auto policies, which insure more than 24 million vehicles. The company’s size allows it to employ more than 36,000 people across nine regional offices, three service centers and three claims centers. GEICO’s original customer base consisted of U.S. government employees and military personnel. Today, the insurance company’s customer base has expanded to include people in the private sector.Our Thoughts: We consider GEICO to be one of the best auto insurance companies. GEICO offers low rates, national availability and an easy shopping experience. If you’ve had a prior accident, however, you’ll likely receive unfavorable rates from GEICO.Read our full GEICO review.4 out of 5 rating from J.D. Power for overall satisfaction.3. ProgressiveProgressive—the third biggest insurance company in the country—was established in 1937. The company offers the ability to purchase auto insurance directly, online or by phone. Alternatively, customers can sign up through independent insurance agents. The company employs over 33,000 people and has over 400 offices. Progressive is a publicly traded company.Our Thoughts: Progressive offers highly competitive rates to drivers with previous accidents. However, claims satisfaction ratings and coverage options are average at best. Due to this, we recommend for prospective Progressive customers to shop around and compare rates before signing up for coverage.Read our full Progressive review.3 out of 5 rating from J.D. Power for overall satisfaction.4. AllstateEstablished in 1931, Allstate is the second largest publicly traded property and casualty insurance company in America. Similar to State Farm, Allstate has a roster of local agents ready to serve your needs. The company currently employs over 79,000 people. Esurance, a subsidiary of Allstate, operates in the same space. According to Allstate, the Esurance brand is targeted towards self-directed and brand-sensitive customers while Allstate is geared for customers who enjoy local and personal service.Our Thoughts: We consider Allstate to be a middle-of-the-road insurance company due to its high rates and average claims satisfaction ratings. Allstate’s redeeming factors are the wide variety of discounts that it makes available to its customers.Read our full Allstate review.3 out of 5 rating from J.D. Power for overall satisfaction.5. USAAUSAA was founded by 25 Army officers who decided to insure each other’s vehicles in 1922. Today, the company serves millions of members associated with the U.S. military, including:Current Military MembersFormer Military MembersFamily of Military MembersCadets or MidshipmenUSAA is headquartered in San Antonio, Texas. The corporate campus’ length extends three-quarters of a mile. USAA is the largest private company located in San Antonio.Our Thoughts: USAA is one of the best auto insurance companies in the country. If you meet their qualification criteria, you’ll enjoy competitive rates, great customer service and speedy claims responses. The only downside of USAA is its restricted membership.Read our full USAA review.5 out of 5 rating from J.D. Power for overall satisfaction.6. Liberty MutualLiberty Mutual is one of the top insurance companies in the U.S. and has been around for over 100 years. Liberty Mutual also has large international presence—with operations in 17 countries. The international companies sell property and casualty, health and life insurance policies. The auto insurance industry is a large part of Liberty Mutual’s business, representing 36% of their net written premium from insurance as of their latest annual report.Our Thoughts: Liberty Mutual is a mediocre insurance company. The competitiveness of Liberty Mutual’s car insurance rates will depend on your geographic location. While this is often true with most insurers, Liberty Mutual’s rates vary more than typical. In addition, Liberty Mutual’s customers rank the insurance company’s claims satisfaction process as below average.Read our full Liberty Mutual review.2 out of 5 rating from J.D. Power for overall satisfaction.7. FarmersFarmers began as an insurance company providing coverage to rural farmers’ vehicles. Since then it has evolved to become the seventh largest insurance company in the country. It’s hard to find an insurance company that offers more products than Farmers. It offers basic auto insurance, pet insurance, and even investment products among a variety of other insurance products. Farmers employs nearly 21,000 people, which allow it to underwrite over 19 million policies across 50 states.Our Thoughts: Farmers offers decent discounts, coverage options and great customer service. Ultimately, Farmers’ non-competitive rates hold it back from becoming a great auto insurance company.Read our full Farmers review.3 out of 5 rating from J.D. Power for overall satisfaction.8. NationwideNationwide, a Fortune 100 company, paid over $18 billion in claims and other benefits to members in 2017. The company does business across several verticals—including financial services, commercial lines and personal lines—in all 50 U.S. states. Nationwide has contributed over $430 million to nonprofit organizations since 2000.Our Thoughts: Despite Nationwide not being the most affordable insurance company, its customer reviews tend to be positive. The company offers customers the standard coverage and discounts that you’d expect from a large national insurance company.Read our full Nationwide review.3 out of 5 rating from J.D. Power for overall satisfaction.9. TravelersTravelers is more than 160 years old, making it one of the oldest insurance companies operating today. In fact, Travelers issued its first auto insurance policy in 1897, before the Ford Model-T was invented. The company has over 30,000 employees and 13,500 independent agents and brokers in multiple countries—including the United States, Canada, and Brazil.Our Thoughts: Low complaint ratings and competitive rates make Travelers an excellent choice for auto insurance coverage. In particular, Travelers offers great rates for families with clean driving histories. However, drivers with previous accidents and violations should steer clear as Travelers’ rates rise significantly with an accident on record.Read our full Travelers review.3 out of 5 rating from J.D. Power for overall satisfaction.10. American FamilyAmerican Family was established with the initial goal of insuring farmers. In the 1930s, the company expanded and began to focus on insuring non-farmers as well. Today, the company is one of the biggest insurance companies in the U.S. In a recent year, American Family paid out over $3 billion in home, auto and umbrella insurance claims.Our Thoughts: American Family is a solid choice for your auto insurance needs. The company offers decent rates, which have the potential to be great when policyholders utilize some of its many discounts.Read our full American Family review.3 out of 5 rating from J.D. Power for overall satisfaction

In India, mobile phone density is higher than land line phone. Companies and service providers use this opportunity to market their products and services through mobile communication. They send bulk or commercial SMSs. This is the fastest and economical way of marketing. In India, normally a mobile phone subscriber will get 2 or 3 commercial SMSs daily. To protect subscriber’s interest, TRAI (Telecom Regulatory Authority of India) categorized commercial SMSs into two types and gives specified format to it.Promotional Messages : A message contains promotional material or advertisement of a product or service. Header for promotional message is XY-NZZZZZ, Here ‘X’ is the service provider code listed in the Table1, ‘Y’ is the location code listed in the Table2 and ‘N’ is the preference code allotted by TRAI for different categories in the Table3 and ZZZZZ is the 5 digits number allocated to the particular telemarketer by the service provider.Eg: IL-612345 (A message related to communication transmitted by Idea Kerala), TD-610039 (A message related to communication transmitted by Tata Delhi), LM-144001 (A message related to banking/insurance transmitted by Loop Mobile Mumbai)Transactional Message : Account information sent to its customer(s) by bank, insurance companies, financial institutions and Credit card companies. Information related to travel schedule, ticket reservation by Airline and Railways etc. Header for transactional message is XY-ZZZZZZ, Here ‘X’ is the service provider code list in the Table1. ‘Y’ is the location code listed in the Table2 and ZZZZZZ for company name.Eg: LM-HDFCBK (Account Info from HDFC Bank through Loop Mobile Mumbai), BZ-SBTINB (Internet Banking message from SBT through BSNL Maharashtra), BX-CBSSBI (Account Info from State Bank of India through BSNL Karnataka), BX-CANBNK (Account Info from Canara Bank through BSNL Karnataka), BX-CBSSBT (Account Info from State Bank of Travancore through BSNL Karnataka), TM-LICIND (Policy Intimation from Life Insurance Corporation of India through Tata mobile Mumbai), TD-SBGMBS (Messages from State Bank Group Mobile Banking Service through Tata mobile Delhi), TM-RMFUND (Message from Reliance Mutual Fund through Tata mobile Mumbai), LM-CAMSTX (Transaction related message from mutual fund registrar CAMS through Loop Mobile Mumbai), TM-MCALRT (Missed Call Alert), BX-SBIPSG (Message from State Bank of India Payment Systems Group)Source: Mobile Operator Commercial or Bulk SMS Sender codes for India

In the US, some of the carriers that provide comprehensive commercial insurance coverage that a broker will help you place insurance with include:Chubb (now part of ACE)TravelersThe HartfordLiberty MutualFor Europe and global coverage in general, Lloyd's can help facilitate placement of tailored coverage.