Their respective ratings in Best's Insurance Reports and other reporting Quotes Chimp. Remember, Best's is in your local library, but your agent should have a copy in his or her office as well. If two are A + + or A + companies and one is a B, chances are you will not want to choose the lower-rated one. Of course, nothing is absolute. Sometimes a lower-rated company will give you a better buy or benefits. In such cases just be sure that the extras you receive are worth the potential risk of choosing an insurance company that is less financially secure. Underinsured motorist. As QuotesChimp discussed earlier, having a healthy uninsured motorist coverage is almost a necessity. Adding to that an endorsement for underinsured motorists is also important.