This rating determines the financial stability of the company and the ability to pay claims should a major disaster occur. Also, be sure and check on payment options with both companies. Some offer better suited payment plans than others. This may affect your decision. Happy insurance hunting.
Most states do have it.
I have found this to be very helpful with my budget. I have found through this program that I get things that I would never think about buying at the store. You get frozen meat, fresh fruits and vegetables, always some type of dessert item, etc. It has worked out wonderfully. You can also buy more than one share with more volunteer hours per month.