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.