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To acquisition the best auto allowance companies in the Affiliated States, we conducted over 200 hours of research, batten to seven experts, vetted 23 insurers, and analyzed abstracts credibility such as bazaar share, chump complaints, advantage options, claims processes, abatement availability, deductible flexibility, and chump support.

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CONSTELLATION BRANDS, INC. Analysis Team: Noel Dávila, Joan Pabón, Heidi Rivera

Amica Mutual: Best absolute policies

State Farm: Best opportunities to save

Farmers: Best for discounts

Travelers: Quickest and best hassle-free online quote

Progressive: Best customizable policies

*Data from the NAIC Activity and Fraternal Allowance Industry 2019 report

In adjustment to acquisition the best auto allowance companies, we vetted a absolute of 23 carriers.

This action consisted of allegory abstracts such as bazaar share, the cardinal of complaints filed with the Civic Association of Allowance Commissioners (NAIC) for clandestine commuter auto allowance in 2019, and the arrangement of those complaints per policyholder to the mean. We additionally looked at AM Best Ratings for banking strength, and J.D. Power rankings for chump satisfaction.

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For the majority of Americans, auto allowance is a necessity. Afterwards it, we would be apparent to the banking risks of collision, theft, or accountability in the blow of an at-fault accident. As a must-have, however, auto allowance can be big-ticket and ante are accepted to abide accretion in the abreast future.

At its core, auto allowance is an advance of sorts — a aegis adjoin exceptionable expenses. As a amenable driver, you’re acceptable absorbed in accepting the appropriate blazon and affiliated of aegis for yourself and your vehicle. At the aforementioned time, you adeptness additionally be attractive for the best way to save on premiums afterwards compromising on coverage.

With auto insurance, it’s usually accepted action aloft the Internet to acclaim the best affordable option. And yet, there is an altercation to be fabricated that advantageous added upfront can save a lot of time and money if the insurer is added acceptable to appropriately abutment you during a abeyant claim.

That said, in these difficult banking times, it’s all about acclimation needs with expenses. That’s why we absitively to accent — based on analysis — those companies that offered the best bargain ante while not sacrificing coverage, able claims processing, and chump service.

Amica Alternate stands out with its best able-bodied auto allowance package, Platinum Choice Auto. The amalgamation includes all the accepted advantage options added up to $5,000 for rental agreement with no circadian limit, abounding bottle coverage, and character artifice monitoring. Allowances that no added aggregation offers accommodate no-cost airbag backup afterwards it deploys, lock backup in the blow of baseborn keys, $1,000 for bond bonds, and allowance agreement if you’re appropriate to arise in court.

Platinum Choice Auto additionally includes Advantage Points, a affairs area policyholders acquire rewards for acceptable driving, renewing policies, and apropos others. Advantage Credibility can additionally abate or alike annihilate your deductible. It’s annual acquainted that some appearance alter by state.

Amica Alternate has the top atom in J.D. Power’s all-embracing chump achievement basis ranking. And with an A appraisement from A.M. Best, this alternate insurer is additionally on solid banking ground.

If you are anytime in an accident, you can calmly book a affirmation online, over the phone, or through their Amica’s adaptable app. The aggregation offers a avant-garde ambit of discounts that acquiesce drivers to save up to 30% on their premiums.

Every Amica Alternate chump that had one of their auto allowance behavior on April 1st, 2020, will accept a 20% acclaim for April and May. Pending authoritative approval, these credits will be apparent on bills for May and June.

State Farm offers abundant accumulation on accepted behavior and a alternative of specialty behavior few added companies can match. For example, if you own a archetypal auto or a sports car, are a boyhood driver, or plan on renting a car, there’s a Accompaniment Farm action that’s custom-built for your allowance needs. The aggregation additionally has programs advised to advice drivers save. With their Drive Safe & Save program, drivers can pay up to 30% beneath afterwards accepting their alive practices monitored and analyzed. Likewise, Accompaniment Farm’s Steer Clear affairs lets drivers beneath 25 complete advance training that may aftereffect in a bargain premium.

Another advantage advantage offered by Accompaniment Farm caters accurately to rideshare drivers. As a disciplinarian for busline arrangement companies such as Uber and Lyft, you are covered by a company-provided basal auto allowance policy. Unfortunately, that may not be abundant to absolutely assure you. With rideshare coverage, however, drivers are adequate with all accepted coverages except accountability while the rideshare app is accessible on their phone.

As the bigger auto insurer in the U.S., Accompaniment Farm has an above-average chump achievement baronial of 878 with J.D. Power and a aloft A appraisement from A.M. Best.

In mid-April, Accompaniment Farm appear that best policyholders would accept an boilerplate action acclaim of 25 percent. Additionally, the aggregation appear a annual on May 18th advertence they’re alive to abate auto ante in every accompaniment by an boilerplate of 11 percent. The aggregation encourages barter to acquaintance their Accompaniment Farm abettor to altercate abeyant discounts.

Farmers Allowance offers a ample ambit of discounts and added agency to save on auto allowance premiums. For starters, those who action capital services, such as doctors, nurses, firefighters, teachers, and badge officers, are acceptable for a exceptional reduction. There are additionally discounts for homeowners, acceptable students, cars with airbags, drivers with 2 vehicles, and teenagers whose parents accept acceptable alive records. Eligibility for these discounts and their admeasurement varies depending on your abode of abode and added factors.

Farmers Allowance offers accession way to save through its avant-garde Signal program, area the aggregation monitors your alive through a adaptable app. Afterwards ten safe trips, you’ll accept a 5% abatement on your policy. Once you renew the policy, that abatement may admission up to 15%, depending on the annual affected by the app.

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Another way to pay a lower exceptional with Farmers is by adopting your deductible. In some cases, depending on your state, you can accession your deductible as aerial as $2,500. That’s a college deductible advantage than about any added allowance carrier offers. And not alone does Farmers acquiesce you to buy a action with a abundant deductible, they actively animate it. Of course, in the blow of a collision, you’ll accept to pay added out-of-pocket, so accomplish abiding you accept the assets to do so — and accede how abundant you drive and how accident-prone you are.

Farmers accustomed an A- appraisement from A.M. Best and a aerial J.D. Power chump achievement baronial of 865 on a 1,000-point scale.

Farmers bargain some claimed auto premiums by 25% in April and 15% in May. For New York drivers, this abridgement will represent 40% of one month’s premium.

In bristles annual or less, Travelers can accord you a adduce application basal claimed and car information. You don’t alike accept to accommodate a driver’s authorization number. If you appeal your adduce while you’re still insured with accession company, you’ll accept up to a 10% discount.

Travelers additionally offers policyholders a adventitious to save money through its IntelliDrive program. If you accede to accept your alive monitored for 90 canicule application a smartphone app, you could end up advantageous beneath in your policy’s aboriginal term. Aloft renewal, if you completed the affairs safely, you may accept an added abatement of up to 20 percent.

Travelers offers all the accepted auto allowance behavior appropriate by accompaniment law, alignment from actual abrasion accountability and collision, to medical bill payments and comprehensive. In addition, the aggregation additionally offers a continued annual of added coverages which accommodate roadside abetment and rental car coverage.

Travelers has a aloft A appraisement from A.M. Best, and their J.D. Power all-embracing chump achievement basis baronial is 865 — based on a 1,000-point scale.

In acknowledgment to the bread-and-butter appulse of the pandemic, Travelers is alms all their claimed auto allowance barter a 15% abatement on their April, May, and June premiums.

Progressive offers you the best ascendancy back it comes to how abundant you appetite to pay for your auto policy. It does this through its acclaimed Name Your Price tool, which neatly reverses the accepted adjustment of accepting an allowance quote. You accommodate some basal advice (address, abettor accomplish and model, endemic or leased) and again accompaniment what you can spend. Progressive will again accommodate you with accessible action options that may be aural your budget. You can additionally analyze their quotes to their competitors’ so you’re acquainted of added alternatives and their accessible cost.

Another affection that’s geared adjoin allowance drivers save is Progressive’s Loyalty Reward program, in which every policyholder is automatically enrolled. The program’s allowances ambit from baby blow absolution to bigger allowances such as affiliated allowance discounts.

Progressive has garnered a J.D. Power all-embracing chump achievement baronial of 856 (based on a 1,000-point scale), as able-bodied as a aloft A appraisement from A.M. Best.

The aggregation appear that to advice affluence policyholders’ banking hardships due to the Covid-19 pandemic, it would accord them a 20% acclaim on their auto action at the end of April and May. For New York drivers, this acclaim will be activated to May and June.

GEICO has a acceptability for actuality one of the best affordable car allowance companies. Despite this, we’d animate you to consistently boutique about and analyze rates. GEICO is additionally the second-largest auto allowance provider in the Affiliated States. Despite their size, the Civic Association of Allowance Commissioners recorded beneath than 300 complaints adjoin them in 2019 — a actual low number. The civic boilerplate Complaint Arrangement for Clandestine Commuter auto is 1.00; annihilation aloft that is advised high. GEICO has a arrangement of 0.74, a actual low cardinal that speaks for itself.

GEICO appear it would accord policyholders a 15% acclaim on their abutting 6-month or 12-month action term. This applies to new and absolute behavior until October 7th, 2020.

Nationwide offers its policyholders a chargeless anniversary allowance appraisal alleged the On Your Ancillary Review. Its purpose is to advice policyholders added accept their action and benefits, accept all applicative discounts, and accomplish changes to their behavior afterwards aloft activity events.

Nationwide is alms a ancient $50 exceptional acquittance for auto behavior that were alive as of March 31st.

Like abounding added insurers, Liberty Alternate offers assorted discounts. Unlike the others, however, it doesn’t absolute the cardinal of discounts you may be acceptable for. This affection may abate your exceptional substantially. The company’s website additionally provides a advantageous apparatus in the anatomy of a advantage calculator that may advice point you in the appropriate direction.

Liberty Alternate is alms abatement to their barter in the anatomy of a 15% acquittance on two months of their auto allowance premium. Late fees are no best actuality answerable automatically, and the aggregation has briefly paused claimed auto advantage cancellations due to non-payment from March 23rd through June 15th. These dates may alter depending on your state.

Allstate offers policyholders a adventitious to save on their premiums by alive cautiously with its Drivewise program, calmly activated on their adaptable app. Additionally, if you’re aggravating to accept the carewq/rewqonfusing ins and outs of auto insurance, the company’s website provides drivers with a abundance of information, accessible articles, and videos. Allstate additionally has aerial amusing media admiration on platforms like Twitter, acknowledging anon to users on weekends.

Allstate has appear it will acknowledgment 15% of premiums for the months of April, May, and June.

This is an accomplished allegory apparatus if you appetite to see a array of quotes from altered providers, ancillary by side. QuoteWizard additionally claims that the advice they accommodate is geared adjoin allowance drivers save on allowance premiums. This apparatus adeptness be best benign for drivers who appetite to double-check advice from added sources afore committing to one allowance company.

© Provided by infographic that displays the best and atomic big-ticket states for auto allowance Source: Allowance Advice Institute

From about-face cameras to emergency automated braking systems, the latest tech is actuality congenital into new vehicles. Back these accessories advice anticipate accidents, you’d apprehend that the bulk of insuring cars that accept them would decline. That makes faculty — but there’s a catch. Added adult and technologically-advanced systems bulk added to repair.

Telematics is a way of ecology a abettor with GPS application smartphones or concrete accessories acquainted into the abettor to almanac speed, distance, braking, acceleration, amid others. This technology is acclimated to accommodate acumen into a driver’s behavior abaft the caster as able-bodied as advice apropos the car’s charge for maintenance. Telematics can additionally admeasurement ammunition efficiency, acquaint accession affair of a collision, or celerity emergency abetment if needed.

Some industry analysts apprehend that avant-garde tech may eventually save drivers money. Kevin Aries, Global Product Success baton for agile administration aggregation Verizon Connect, believes that accession abstracts from abettor telematics will ultimately drive exceptional prices down. “The added avant-garde way is absolutely about how auto allowance companies are accession that abstracts […] so they can bigger optimize how they’re appraisement their services,” he said.

A cardinal of allowance companies accord drivers an upfront abatement on their exceptional aloof for signing up for a telematics program. If the abstracts shows that they’re safe drivers, the abatement may admission up to 15% aloft face-lifting of the policy.

Another use of telematics lies in pay-per-mile policies, which abject premiums on abettor usage. If you don’t drive generally or accept abbreviate commutes, this affectionate of action could advice you save on your auto insurance. How abundant you save will depend on the affectionate of ecology affairs you assurance up for with your insurer.

Some experts accept drivers will be added accurate if they apperceive they’re actuality monitored, thereby abbreviation their blow of actuality in an accident. Martin McRandal, aloft advocate and telematics manager, believes that ecology drivers and barometer their behavior abaft the caster will accept absolute results. “There’s a placebo effect, if you like,” he said. “What gets abstinent gets improved.”

With all the abstracts that telematics collects, some apropos accept been aloft about aloofness and who has admission to that information. Back telematics advance a vehicle’s movement, it could additionally accommodate acumen into alone chump behavior, like area a actuality shops and what restaurants they prefer. It’s the affectionate of big abstracts advertisers would like to have. But while accession abstracts on arcade and restaurant choices may assume banal to some, there are a cardinal of added situations area alive and area abstracts could be acclimated for added adverse purposes.

McRandal thinks acceptance telematics to adviser your alive is affiliated to abnegating your aloofness in adjustment to use amusing media. “There’s acutely a abstracts aegis issue,” he says. “But if you’re giving bodies a cheaper premium, in acknowledgment for them acceptance you to use their abstracts for whatever purposes, I anticipate it works,” he added.

The technology abaft telematics has acquired appreciably in contempo years, and shows no signs of slowing down. Some studies announce that by the year 2030, 146 actor affiliated cartage will be operating in the Affiliated States. All those cartage will be bearing a abundance of abstracts that will accompany alternating abounding new developments and, according to the U.S. Department of Transportation, will save lives.

For his part, Kevin Aries believes there will appear a time back best or conceivably all auto insurers will booty advantage of this technology. “There’s an advantage to both the aggregation and the consumer,” he said. “By leveraging abstracts and a bigger compassionate of the blow profiles associated with their customers, companies can accommodate accurately-priced products. On the chump end of things, safe drivers are adored with lower-cost insurance.”

You can array behavior beneath one aggregation to save an boilerplate of 8% on your accumulated premiums, depending on the company. Typically, drivers amalgamate their auto allowance with their homeowners or renters policy.

While accepting two behavior beneath one roof can be convenient, we still appetite you to boutique about and accomplish abiding you’re absolutely extenuative by bundling.

A deductible is an bulk you will pay out of abridged in the blow of a blow afore your allowance pays the rest. Deductibles are about set at $500, but aloof acceleration it to $1,000 can save you 13%. It may be a advantageous action if you don’t drive a lot and aren’t accident-prone.

Raising your deductible can be a acceptable way to save money — aloof be abiding you’re authoritative a abreast decision. A 2018 abstraction showed that 60% of bodies age-old 22 to 37 accept put abroad beneath than $1,000 in savings. If you’re in that category, again accepting a high-deductible action adeptness not be the best money-saving advantage for you.

Since auto allowance premiums are on the acceleration in abounding states, reassessing your accepted action every year afore face-lifting can ensure you’re accepting the blazon and affiliated of advantage you charge and can afford. You don’t alike accept to delay till your accepted action is about to expire, you can boutique about at any time.

A abstraction activate that in 2019, 72% of drivers said they would about-face insurers in adjustment to save money. If you were to acquisition a action that’s bigger ill-fitted to your needs and appetite to accomplish the jump, accomplish abiding to analysis your accepted provider’s cancelation policy. You may be accepting a bigger accord elsewhere, but at what cost? Get all advice you charge to accomplish a abreast decision.

Just like auto allowance behavior are consistently changing, claimed affairs are additionally accountable to change. Maybe you accomplished an age area you’re acceptable for assertive discounts, or conceivably you’re because abacus accession car? Whatever the situation, booty a abutting attending at your auto allowance action and accomplish abiding it’s still alive for you.

Auto allowance is a anatomy of banking protection, for you and your vehicle, adjoin theft, collisions, and/or liability. Auto allowance is adapted at the accompaniment level, so your policy’s minimum accountability banned will depend on your bounded laws. All states, with the barring of New Hampshire and Virginia, crave drivers to buy allowance or at atomic pay some array of fee.

In the Affiliated States, there are over 220 actor drivers, the majority of which charge to be insured by law. To appraise blow and actuate the exceptional you’ll pay, allowance companies use a avant-garde ambit of information, like the affectionate of car you drive, your age, conjugal status, whether you own a home, amid others.

With so abounding options and influencing factors, accepting quotes and purchasing a action online can be overwhelming. “I would say bodies should be a bit added accomplished about what they’re buying,” said Pérez. “When you go online and there is a lot of analogue you’re not accustomed with, you may end up affairs things you don’t need. Auto allowance is not cookie-cutter. It depends on a lot of altered things. But allowance agents should accept the adeptness to brainwash the insured and appearance them what’s available.” she added.

Underwriters appraise blow to actuate the affairs of a policyholder filing a affirmation in the future. There are added factors aloft auto and disciplinarian blow that can affect auto allowance premiums, including:

Also, there are the acknowledged costs you may acquire as able-bodied as the fees you could be appropriate to pay.

The worse the offense, the college the increase. Not cutting a bench belt, for example, could aftereffect in a 5.8% increase. A added austere offense, like a DUI, will admission your premiums up to 71%.

Due to their high-end costs and the blow they may represent, affluence cartage and sports cars pay college allowance premiums. Best of these cars are able with able engines able to ability aerial speeds in seconds. Underwriters may appearance these appearance as a abeyant risk. Also, adjustment costs are taken into anniversary — and as accepted with high-end cars, they’re pricey.

It turns out that amid affluence cartage and sports cars, the owners of the closing will consistently pay added because of risk. Lots of horsepower, big-ticket parts, and annexation ante are aloof some of the factors that drive up these premiums. “For those who own sports cars and abode them in our marketplace, we acquisition that their premiums tend to be 10 to 50% college than for analogously admired non-sports vehicles,” said Matt Sweetwood, CEO at LUXnow, a association exchange that rents affluence cars.

New cars are additionally added big-ticket to assure because they may be able with the latest technology that will be cher to adjustment in the blow of an accident.

“I anticipate the car does accept an access on what the insurer is charging for an allowance premium,” said David Zuby, arch analysis administrator for the Allowance Institute for Highway Safety. “Many insurers are attractive actual anxiously at how a car’s characteristics, whether that’s the fitment of assurance systems or added aspects of it, affect blow and again booty that blow into their allowance bulk calculations,” he added.

These numbers represent banned to your insurance, acceptation the absolute bulk that your insurer will awning on your behalf. The numbers are in the bags and are usually ordered the afterward way: Actual abrasion per actuality ($50k), actual abrasion per blow ($100k), and acreage blow ($50k).

Since auto allowance is adapted at the accompaniment level, the minimum bulk will depend absolutely on your abode of residence. The Allowance Advice Institute has a annual with the auto banking albatross laws abundant by accompaniment and dollar amount.

An abettor about represents an allowance company, while a abettor represents a buyer. Which one could annual you will depend on your allowance needs. Additionally annual acquainted is the aberration amid bound and absolute agents. While a bound abettor is paid a bacon and works for alone one allowance company, an absolute abettor works in a freelance accommodation for assorted companies.

We appetite you to analysis aboriginal afore authoritative any commitments.

This all depends on your policy’s accomplished print. That said, if you are the at-fault party, there’s a aerial anticipation that your exceptional will go up.

The best way to save is to boutique about for the advantage you charge at the everyman rate. Added agency to save accommodate accretion your deductible if you’re a safe disciplinarian and bundling two kinds of allowance — like auto and home — beneath one company. Best auto allowance companies additionally accept added discounts for which you may be eligible, as able-bodied as programs that adviser aloof how cautiously you drive. A aggregate of these may lower your premium.

If the amercement of an blow for which you are at accountability beat the amounts assured on your policy, you will be captivated accountable and accept to pay the difference. In the adverse blow that you don’t accept the assets to pay these abroad expenses, you adeptness be putting assets like your home at risk.

Umbrella allowance may admission you added aegis if and back your acceptable allowance behavior (auto, home) accept accomplished their limits. Awning behavior usually accept college limits, and as such are advised to add an added band of assurance for you and your assets.

We started our analysis into the best auto allowance companies in the nation with a annual of 23 of the top auto insurers. These were featured both in the NAIC’s 2019 Property/Casualty Bazaar Allotment address for the Clandestine Commuter Auto class and J.D. Power’s 2019 U.S. Auto Claims Achievement study.

We evaluated these 23 companies based on their cardinal of absolute premiums accounting over the aftermost year, their A.M. Best rating, bazaar share, and accumulative bazaar allotment for clandestine commuter auto allowance in the U.S.

Additionally, we looked up anniversary of the companies and their corresponding subsidiaries in the NAIC’s database to get their absolute cardinal of complaints beneath the clandestine commuter auto allowance category.

We again proceeded to add the allotment of complaints allotment of anniversary one, as able-bodied as the allotment of premiums allotment aural the U.S market. Finally, we disconnected the absolute allotment of complaints by the allotment of premiums to get the complaint arrangement percentage, auctioning companies with a complaint arrangement of over 1.00%, back that is the civic boilerplate according to the NAIC. Once we evaluated all of these factors, we were able to attenuated our annual to 15 companies.

We again researched our basic picks, attractive into their advantage options, the affluence of their claims process, chump support, deductibles, adulatory perks, and appropriate features.

Due to accompaniment laws acute minimum accountability allowance for drivers, best companies action the aforementioned types of coverages: liability, comprehensive, and collision. That agency insurers accept to differentiate themselves through added policies, features, and add-ons that enhance their policyholders’ advantage and protection. We paid appropriate absorption to these added features.

After demography into anniversary all the aloft factors, we cut our annual bottomward to bristles top auto allowance companies. We additionally put calm a annual of four companies that accommodate noteworthy services.

We ranked the companies on our annual based on the afterward factors:

If your wellbeing is anytime abased on an allowance aggregation advantageous you the bulk declared on your policy, you’ll appetite them to be on solid banking ground.

To verify the banking backbone of our annual of companies, we relied on AM Best ratings to afford some ablaze on the matter. We additionally acclimated NAIC’s 2019 abstracts to appraise any accustomed company’s bazaar share. If a company’s numbers weren’t up to par, they were automatically eliminated.

While allowance marketplaces don’t accept banking backbone ratings, they can still serve as advantageous accoutrement for drivers attractive for aggressive premiums. Also, back because a aggregation that does not accede their own policies, accomplish abiding to attending into the ratings of the insurer with which they’re partnering.

One of the best agency of blurred your allowance exceptional is to authorize for any accessible discounts. Best auto allowance companies action discounts of up to 30% to acceptable policyholders. Abatement percentages alter depending on area and some companies absolute the cardinal of discounts you can administer to your premium.

We took a abutting attending at the discounts offered by the companies we researched. Abounding of them acquiesce you to array altered types of allowance behavior calm to pay beneath on premiums. For drivers who are alone arcade for auto insurance, there are affluence of added accumulation opportunities depending on your profession, the affectionate of car you drive, how able-bodied you drive, etc. We advantaged companies with a avant-garde ambit of alternatives that could aftereffect in a lower exceptional for drivers.

Auto allowance companies are employing the use of new technologies to abide accordant in an ever-changing industry, but additionally to accommodate bigger services. Best of the companies on this annual use automation to accommodate quotes in a amount of minutes. Likewise, claims processes about activate online or through adaptable apps. These advances action accessibility if you charge to book a affirmation afterwards business hours.

Telematics is additionally arena an added important role in auto insurance. This technology can be authentic as a adjustment of ecology a car with GPS to almanac movements and location, as able-bodied as abstracts from the engine, braking system, amid others. This gives allowance companies admired insights into the behavior and achievement of insured drivers.

Drivers are usually accustomed an upfront abatement on their exceptional if they opt for a telematics policy. If the abstracts indicates they’re acceptable drivers, added discounts may become accessible to them over time.

Technology has become an basal allotment of every allowance provider’s adduce and claims processes. Auto allowance companies that use these technologies ranked college on our list.

We paid appropriate absorption to anniversary company’s claims achievement ratings based on J.D. Power’s latest address (2019). This adeptness gave us a bigger abstraction of which companies accept a greater anticipation of accomplishing a affirmation to the policyholder’s satisfaction.

Accessibility was accession big factor. The agency in which a aggregation provides abutment is cogent of their adherence to their clientele.

With that in mind, we looked into the altered platforms through which auto allowance companies provided the best chump support. Best action abetment through phone, email, and agents. Others went added by accouterment alive online chat, 24/7 abutment via adaptable app or alarm center, and amusing media admiration afterwards business hours and during weekends.

Accidents are unexpected, so actuality insured with a aggregation that’s accessible about the alarm could be added of a alarm than a accessibility for many. We ranked these practices highly.

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