AllState is one of the largest insurers in the country, but the company has been losing market share to some of the other big companies. AllState also ranked slightly below average in customer service, according to a recent J.D. Power study. Surprisingly though, the company plans to raise rates on customers. Most companies are reducing rates these days, due mostly to fewer accidents. Cars and roads are much safer, so claims have gone down. But AllState is doing the opposite. If you’re thrilled with your AllState agent and the service you’ve gotten, you may want to stick with the company. But if your experience has been mediocre, start comparing other insurers about three or four weeks before your renewal date. Insurers use very different methods to establish rates, so you could find a vast difference in cost from one to the next. So, who would Clark recommend? J.D. Power announced its rankings and USAA is No. 1. The company is off the charts in terms of customer satisfaction. The problem is that USAA is only available to military personnel, their dependents and some reservists. No. 2 was Amica Mutual, which is open to a lot more people. The only caveat with Amica is that they’re looking for people who are conservative drivers with conservative cars. They don’t like people who have had accidents and they don’t like fast or fancy cars. So, consider those before you renew!