You Can Save On Your Current Auto Insurance in Just 3 Easy Steps

This is the website for the National Association of Insurance Commissioners NAIC . Find the link to NAIC States & Jurisdictions. From there you can find out if your state or area has a website listing the current rates of local auto insurance companies.

But the best-kept secret is in the student having good grades in high school & college; a simple B average will yield a substantial discount on insurance rates for the young drivers in your house. Following the three steps below will assure that you will save on premiums & make the right future choices when it comes to auto insurance.

The first thing you can do is log onto the website for the National Association of Insurance Commissioners NAIC at http://www.naic.org. This website will provide you with information regarding the insurance providers & rates in your area. Although these rates do not reflect your personal situation this is good starting point to get an idea of companies you would like to receive quotes from. Factors that may increase your rate from information you see on this site include your consumer credit report & your driving record. Even if your state is not listed on the NAIC website there are other valuable consumer information guides you should review & refer to when comparison shopping.

Now that you have the information from NAIC it time to shop around for coverage. When working with an insurance agent requesting quotes online or requesting quotes by phone be honest with the provider. You need to give accurate information about your personal credit history your vehicle your driving record & the coverage you need. Because an automobile insurance policy covers several different types of coverage be sure you know the differences & what coverage you are getting in each category.

You will also need to make sure you know the coverages your state law requires to insure that you are in compliance. When getting quotes from different providers make sure the quotes cover the same limits deductibles & other important information.

Now that you’ve found the coverage you need discuss discounts with the providers you have selected. Be sure your quote is the final amount of the premium after discounts. While one provider may offer a separate discount for each eligible item another provider may offer combined discounts. This does not mean because you are getting three discounts from first provider & only one discount from second provider the first premium is cheaper. For example Provider A may offer a 5% discount for each of three items while Provider B offers a 20% discount because you meet a combination of requirements. You are getting the higher discount from Provider B. Make sure you compare the final premium rate before making your decision.

Visit the NAIC to become informed comparison shop for the best coverage & premiums based on your personal situation & 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 & vechile portal which provides cover for all car & vechile types.