Performance Car Reviews, News and Parts for the Car Enthusiast

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

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.

When shopping around for the best coverage, it serves your best interest to be honest with the companies you call or visit online about your personal situation, your insurance needs, and your driving history. This will help avoid misquotes and you will know exactly how much coverage is being offered for the premium amount quoted. 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 the coverage is worth. Make sure you?re comparing similar plans, and know what?s required by law in your state.

After you have compared rate quotes, it is time to begin comparing the discounts between the companies you have chosen from your search. The final quote should reflect all the discounts you are entitled to receiving. Some insurers offer multiple discounts in increments of 5%; some insurers may only offer one discount. The bottom line is the total amount of the discount(s) and your total savings. The final premium should be the best price for the coverage across the board.

However, if that one discount offers you a savings of 15% total, it will make more sense to purchase your policy from the second insurer. Take a look at the bottom line (the final premium amount) for a true comparison.

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.