Archives for April 4, 2016

WreckCheck App – Auto Accident Checklist

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While doing the research for my auto premium comparison post, I noticed that several of the state websites promoted an app called WreckCheck. Created by the National Association of Insurance Commissioners (NAIC), this free mobile app for iPhone and Android is one of those things you should download onto your phone now to hide away in some folder and hopefully never use.

More than simply a checklist, the app will guide you through the steps you should take following an accident. Ideally, it will keep you calm and collected in a time of stress. The app tells you what to do, and also what not to do. As a backup, you can also print out the checklist in PDF form.

Things you should do:

  • Keep your vehicle information handy ahead of time (glovebox or in-app) including VIN, license plate number, insurance company, agent name, and policy number.
  • Document the time and location of accident (uses your GPS).
  • Take pictures of the accident, including damage to all vehicles involved (uses your camera).
  • Document what happened, including vehicles and people involved (uses your audio recorder).
  • Call the police (tap to call 911). If they are not dispatched, file an incident report.
  • Share only your insurance card information, including name and insurance phone number. You are not even required to share your personal phone number.

Things you should NOT do:

  • Share your home address or drivers license number.
  • Allow someone to take or photocopy your ID.
  • Admit fault.

The app can email a completed accident report directly to you and/or your insurance agent. Finally, the app provides tips on how to file and follow up on a claim. Here are some app screenshots and a explanatory video:

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Big List of Auto Insurance Premium Comparisons for All 50 States

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The standard advice for saving money on auto insurance is to shop and compare prices. You could use a comparison website, but they may not include every insurance carrier listed in your state. A lesser-known fact is that auto insurance is regulated on the state level, where each company must submit their rates for approval. Many states in turn share this information with consumers. Some states also provide complaint data, so you can also view which insurers have the most complaints relative to their market share. Here is an example report for the state of California:

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For the hypothetical scenario above, the difference between the cheapest option (Wawanesa) and the 17th cheapest option (AllState) is over $1,100 a year.

Using this information, a consumer can more efficiently choose to get quotes from the insurance companies which will likely offer them the lowest rates. Individual companies often choose to focus on certain areas of the market – drivers with clean records, drivers with tickets/accidents, teen drivers, and so on. Credit scores are another newer area of focus. Try to find the comparison example that fits your situation the closest.

These premium comparison reports can often be hard to locate, so I manually searched for all 50 states and the District of Columbia and shared my results below. (I used the same template as my free state income tax e-filing post.) Some states share very specific data down to zip code, some share only a few broad example rates, and others share essentially nothing. In alphabetical order (just click on the state):

State Notes
Alabama Click on “Compare Premiums” for the scenario that best fits your own.
Alaska Personal Auto Insurance Premiums Comparison Guide > Premiums Comparison Guide
Arizona 2015 WEB_AutoPremiumComparison_Publication
Arkansas Insurance Cost Comparison > Private Passenger Auto
California 2016 Automobile Insurance
Colorado Private Passenger Automobile Premium Comparison Report.
Connecticut None found.
Delaware Automobile Insurance Rate Comparison
Florida Auto Rate Comparison Tool
Georgia Automobile Insurance Rate Comparisons
Hawaii Motor Vehicle Insurance Premium Comparison
Idaho None found.
Illinois No premium info, but some guidance provided including complaint ratios.
Indiana None found.
Iowa Auto Insurance Pricing Guides
Kansas Auto Insurance Shopper’s Guide.
Kentucky Auto and Home Insurance Guide with Disaster Guide and Premium Comparison. [PDF available]
Louisiana Automobile Rate Comparison Guide.
Maine Auto Insurance, Comparison of top 10 policies.
Maryland Auto Insurance – A Comparison Guide to Rates.
Massachusetts Auto Insurance Premium Comparisons.
Michigan Comprehensive Guide to Auto Insurance.
Minnesota None found.
Mississippi Personal Auto Rate Comparison.
Missouri Auto Policies – See policies of insurance companies ranked by market share.
Montana Auto Insurance Price Comparison ).
Nebraska Auto Rate Guide (direct link to PDF).
Nevada Consumer’s Guide to Auto Insurance Rates.
New Hampshire New Hampshire Auto Cost Premium Rate Comparison.
New Jersey Auto Insurance Premium Comparison.
New Mexico None found.
New York No premium comparison, but there are complaint rankings and discount list ().
North Carolina No premium comparison, but there is a Consumer Guide to Automobile Insurance and complaint ratio list for insurers.
North Dakota Cost Comparison Survey
Ohio Shopper’s Guide to Auto Insurance, with example premiums and complaint data.
Oklahoma Rate Comparison Chart.
Oregon No premium comparison found, but the Oregon Consumer Guide to Auto Insurance has helpful info
Pennsylvania A rate comparison guide for Automobile Insurance in Pennsylvania.
Rhode Island Could not find rate comparison, but see Consumers Guide to Auto Insurance for helpful info.
South Carolina Quick Links – Automobile Price Comparison Guide.
South Dakota None found.
Tennessee Limited market share and other info at Personal Auto Policies Rate Changes.
Texas Automobile Insurance Price Comparison
Utah Auto & Homeowner Annual Comparison Tables with Complaint & Loss Ratio Info.
Vermont No premium information found, limited info in Consumer’s Guide To Auto Insurance.
Virginia Auto Insurance Sample Premium Table.
Washington None found.
Washington DC None found.
West Virginia 2011 Annual Survey (see bottom right).
Wisconsin No premium information found, limited info in Consumer’s Guide To Auto Insurance.
Wyoming No premium information found, limited info in Wyoming Personal Automobile Insurance Guide (last updated in 2000, ack!)

 

I have tried my best to locate the information for each state, but it is quite possible I’ve overlooked something or the websites have since changed. Please let me know if you find any errors or broken links.

qara.info has partnered with CardRatings for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

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