Ran across this article online, explaining how a few states average premiums have dropped. One official attributed the decline to more competition. It’s fun to watch insurance carriers respond to the market. While I haven’t seen posted declines for NWI, consumers still have the option of looking at different auto quotes . One disagreement from some experts, the cheapest policy upfront is not always the best way to go. Poor advice and help from an agents staff can cost consumers more than a few dollars a month in savings.