| With auto insurance premiums rising across the | | | | state doesn't have a site, the NAIC website contains |
| country, comparing premiums for similar auto insurance | | | | consumer guides with valuable information to which |
| coverage has become the ultimate test of your | | | | you may want to refer during your search. |
| shopping savvy. Have you checked with every insurer | | | | Next, you need to shop around for coverage. Be |
| to be sure you'll be paying the lowest premium for the | | | | honest with the companies you call or visit online about |
| most coverage? Did you check on all the discounts for | | | | your personal situation, your insurance needs, and your |
| which you might be eligible, such as good-grades | | | | driving history. When you receive a quote, confirm that |
| discounts for your high school student, driver's | | | | you know exactly how much coverage is being |
| education and defensive driving course discounts, | | | | offered for the premium amount mentioned. |
| anti-theft device price breaks, and multi-car rates? | | | | Remember that your auto insurance is actually a group |
| Putting it all together to know you're getting the best | | | | of several different types of coverage. Ask how |
| price is challenging, but the money you'll save on your | | | | much coverage the quoted premium provides to you |
| premiums makes the extra effort well worth it in the | | | | and how much each coverage is worth. Make sure |
| long run. Follow these three steps to be sure you're | | | | you're comparing similar plans, and know what's |
| making the right choice. | | | | required by law in your state. |
| First, log onto to find out if there are any online | | | | Finally, it's time to talk discounts. Once you've narrowed |
| resources that pertain to your area. This is the website | | | | your choices, compare the discounts offered from one |
| for the National Association of Insurance | | | | insurer to another. Get a quote on the final premium |
| Commissioners (NAIC). Find the link to NAIC States | | | | amount after all discounts are taken. One insurer may |
| and Jurisdictions. From there, you can find out if your | | | | offer you two discounts good for 5% each while |
| state or area has a website listing the current rates of | | | | another may offer you only one discount. However, if |
| local auto insurance companies. If so, you're already a | | | | that one discount offers you a savings of 15% total, it |
| step ahead of the game. Just keep in mind that the | | | | will make more sense to purchase your policy from |
| rates quoted on these sites cannot take your personal | | | | the second insurer. Take a look at the bottom line (the |
| situation into account. If you have bad credit or a poor | | | | final premium amount) for a true comparison. |
| driving record, your premiums will probably be higher | | | | Look at the information the NAIC has to offer you, |
| than those listed on your local insurance | | | | shop around for the lowest premium and best |
| commissioner's website, but at least you can study | | | | coverage, and make sure you receive every discount |
| trends of different companies in your area from an | | | | to which you're entitled. If you follow these steps, you'll |
| unbiased source, making useful comparisons that can | | | | have the peace of mind of knowing you got the best |
| save you time when you're calling around. Even if your | | | | auto insurance deal available to you. |