NAIC Information
Automobile Insurance premiums are rising and you need to shop around to make sure you are getting the best deal. You want to make sure you have the coverage you need while paying the least amount possible in premiums. Before comparison shopping make sure you know all the discounts you are eligible for.
If so, you?re already a step ahead of the game. Just keep in mind that the rates quoted on these sites cannot take your personal situation into account. If you have bad credit or a poor driving record, your premiums will probably be higher than those listed on your local insurance commissioner?s website.
Search out online resources which pertain to your area by logging onto http://www.naic.org which is the National Association of Insurance Commissioners (NAIC) website. There is a link to NAIC States and Jurisdictions. Once there locate your state or area?s website listing and you will be able to pull up the most current rates of local auto insurance companies. The rates quoted on these sites vary according to your personal situation.
Such variables as bad credit, a poor driving record, even if you smoke could probably result in higher premiums than those listed on the local insurance commissioner?s website. However, studying the trends of different companies in your area from an unbiased source can save you time and help you make a decision as to which insurance company you want to give your business to in your area. If it turns out that your state is not listed or doesn?t have a website, the NAIC website contains consumer guides with valuable information for reference as you conduct your search.
Remember that your auto insurance is actually a group of several different types of coverage. Ask how much coverage the quoted premium provides to you and how much each coverage is worth. Make sure you?re comparing similar plans, and know what?s required by law in your state.
Finally, it?s time to talk discounts. Once you?ve narrowed your choices, compare the discounts offered from one insurer to another. Get a quote on the final premium amount after all discounts are taken. One insurer may offer you two discounts good for 5% each while another may offer you only one discount.
Visit the NAIC to become informed, comparison shop for the best coverage and premiums based on your personal situation, and make sure you receive all the discounts you are entitled to. If you take the time to do this you can rest assured that you are getting the best value for your money.
Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za, a leading South African Car Insurance portal, which provides cover for all Car Insurance types.
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