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Each insurance service uses a different rating scheme so you should find out what the ratings definitions are for the service that you are using.

How do I interpret a rating?

Each service uses a different rating scheme so you should find out what the ratings definitions are for the service that you are using. Stick with companies that meet the service's criteria for being in the top categories--such as "excellent" or "very good." If you use Weiss Research's ratings, you may find them a bit lower than the others as they tend to be tough graders. Also, be sure that any ratings you use have not been changed since the publication date of the source. You should look for update sheets or call the rating company to be sure.