There is an important question that should be asked every time you consider which insurance company you should buy a policy from.

It isn't "How much do they spend on advertising?"

It isn't "How much money do they make?"

It isn't "How cheap are their policies?"

The question should be "If I get into an accident, will they pay what they promised and will they pay it quickly?"

Flashy advertising aside, many insurance companies offer lowball settlements and delay payment for months. You should be basing your purchase on whether or not your insurance is going to deliver or not in the event that you get into an accident.

The best way to find out which insurance company is the most honest is to go to AM Best. This is a company that ranks insurers based on their ability and willingness to fully pay off claims. That strikes us as a lot more important than whether or not their commercials make you laugh.