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Consumer's Guide to Auto Insurance


Auto insurance is an expensive purchase for most Americans. This guide provides information on how to make decisions that can lower the cost of your auto insurance and increase the value you receive.

A National Association of Insurance Commissioners (NAIC) study found that in 1990 the average auto insurance premium expenditure for private passenger auto insurance was $573.90 for each vehicle insured for one year. In many parts of the country, a year's auto insurance premium for a vehicle is measured in the thousands of dollars. What these figures show is that auto insurance is an important purchase for most American consumers.

To get the best value for your money, you must take responsibility for your auto insurance purchase and make your own decisions.