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