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Big insurers pushing to dismantle North Carolina’s low-cost auto insurance system present a misleading picture of reality - and the serious problems their proposal would create. Their scheme would push auto rates higher for many people, hurt consumers, and favor bad drivers over good drivers. The lowratesnc.com coalition stands united with concerned auto insurance policyholders across the state to oppose this radical legislation.

  • What They're Saying

    Take a look at what they're saying if North Carolina “modernizes” its current auto rate system. 


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  • Media Coverage

    Recent and archived statewide media coverage on the dismantling of North Carolina’s system of competitive, low-cost auto insurance.

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    Learn more about protecting low auto insurance rates for North Carolinians.

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  • Detroit Has Most Expensive Car Insurance, Charlotte Has Cheapest

    Published: Thursday, September 11, 2014 by insuranceQuotes.com
    Detroit has the most expensive car insurance and Charlotte has the cheapest, according to a new insuranceQuotes.com examination of average premiums in the 25 largest U.S. metropolitan areas.

  • The road to higher insurance rates

    Posted: Wednesday, June 18, 2014 by The Charlotte Observer
    Would you sign up for a good driver discount if doing so resulted in your insurance premium going up? If your family members were offered military or good student discounts, but the overall family premium cost more, would you take the deal? (If so, we’d love to talk to you about your newspaper subscription...) This get-a-discount-but-not-really proposition is what insurance companies are again attempting to sell in North Carolina. The Good Driver Discount Bill, which is backed by companies including State Farm and Geico, would allow insurers to offer a greater range of products here, but it also would change how our auto insurance rates are set. That’s not a good deal for N.C. drivers.

  • Opinion: Auto insurers push legislation that would raise NC rates

    Opinion Published June 17, 2014 in the The News & Observer
    If you’re trying to make sense of the publicity blitz by a bunch of big, out-of-state insurance companies pushing legislation to ditch North Carolina’s competitive, low-cost car insurance system, it helps to watch what they do, not what they say. Keep in mind that North Carolina has the lowest car insurance rates in the Southeast and the sixth-lowest in America. Rates are higher for every one of our neighboring states. After South Carolina made changes like those proposed here, rates shot up 23 percent. As a result, the average South Carolina driver pays $138 more a year than North Carolina drivers do. Admittedly, it’s hard to keep up with the misrepresentations of State Farm, Allstate, Geico, Progressive and other members of the so-called “FAIRNC” gang.

  • Our View: It's the wrong time for car-insurance reform talk

    Posted June 15, 2014 by The Fayetteville Observer
    Hang onto your wallets. Here comes another attempt to "fix" North Carolina's car-insurance system. Like previous efforts, its most likely result is a bigger insurance bill for many of us. Legislative short sessions are meant for adjusting the budget, addressing urgent needs and passing local bills. But tradition notwithstanding, a coalition of some insurance companies and trade groups is pushing once again for reform of the state's car-insurance regulations.

  • Feud Heats Up Over NC "Good Driver Discount" Legislation

    Published: June 11, 2014 by Stephanie Carroll Carson, Public News Service - NC
    RALEIGH, N.C. - The rates North Carolina drivers pay for car insurance could go up, and it wouldn't be because of a person's driving record under legislation being proposed in Raleigh. State Insurance Commissioner Wayne Goodwin isn't a fan of what's being called the "Good Driver Discount Bill" circulating in State Assembly committees. He's convinced it wouldn't offer anything but increased insurance rates for motorists."My experts and a number of the larger insurance carriers here agree with me," he said. "Instead of lowering premiums for North Carolina drivers, it actually will cause their premiums to go up."

  • Wayne Goodwin: Bill would raise, not lower, insurance rates

    Published: Thursday, June 5, 2014 by The News & Observer
    State lawmakers should beware a deceptive sales pitch that State Farm and a group of other insurance giants are making for car insurance legislation. North Carolina drivers would pay the price.
    Under the umbrella of a lobbying effort called FAIR NC, companies are pressuring lawmakers to take up the so-called Good Driver Discount Bill, a measure that would ultimately destroy North Carolina’s car insurance system and lead to higher rates for drivers. The FAIR NC companies claim good drivers, good students and members of the military are missing out on discounts offered in other states because of North Carolina laws. But that’s demonstrably false. Nothing in North Carolina law prevents companies from offering discounts.

  • Goodwin issues pre-emptive strike against auto insurance rate proposal

    Published By Matthew Burns: Thursday, June 5, 2014 on WRAL.com
    Raleigh, N.C. — Insurance Commissioner Wayne Goodwin came out Thursday against an attempt to resurrect a change to North Carolina's auto insurance rate structure that lawmakers killed last year.The proposal, which the Department of Insurance said could be heard in the General Assembly as early as next week, would dismantle the North Carolina Rate Bureau, which negotiates rates for insurers with the state and sets the maximum allowable rates. Under the proposal, which technically doesn't exist yet but has been shared with lawmakers in recent weeks, insurers would be allowed to opt out of the Rate Bureau and set rates beyond the cap. The House Insurance Committee defeated a similar proposal backed by large insurers such as State Farm and Geico in April 2013.

  • Pro: N.C. drivers enjoy lowest car insurance rates in the South

    Posted: Wednesday, June 4, 2014 by The Charlotte Observer
    As North Carolina’s elected Insurance Commissioner, I feel it’s necessary for me to respond to a May 28 opinion piece written by Appalachian State University Professor David Marlett. Marlett’s arguments echo those of FAIR NC, a group of insurers including State Farm, Allstate, Geico, Erie and others that is pushing for drastic changes to North Carolina’s car insurance system. FAIR NC and Marlett both falsely claim a lack of car insurance discounts in North Carolina, and FAIR NC is promoting a misleading legislative proposal called the Good Driver Discount Bill.The Good Driver Discount Bill is not what it purports to be, and Marlett, in addition to being an academic, is affiliated with organizations that are far from neutral on this subject.

  • Allow discounts but keep N.C. auto insurance system

    Opinion Published May 29, 2014 in The Charlotte Observer
    From Jim McCafferty, president, Members Insurance Company, in response to “N.C. auto insurance price controls stifle innovation” (May 28 For the Record): The current controversy and legislative struggle over North Carolina’s low-cost auto insurance laws is rife with misleading information. Exhibit A: Appalachian State University Professor David C. Marlett’s May 28 For the Record. In this day and age, technology’s promise often urges throwing out the old for the new. However, North Carolina’s auto insurance system is not broken – far from it. We have the sixth lowest rate in the nation, and the lowest in the Southeast.

  • Don’t let companies wreck state’s auto insurance system

    Published: Saturday, May 24, 2014 by The Wilmington StarNews
    North Carolina's auto insurance system is not broken, and consumers should be wary of the "fix" prescribed by a coalition of insurers seeking to change the rules. The state's average insurance rates are consistently ranked among the lowest in the nation. More than 150 companies write policies in the state. And, say opponents of the proposal, the market is very stable – which is good for customers in the long run. A bill expected to be introduced in the General Assembly is slightly more palatable than one introduced last year that would have permitted insurers to increase rates up to 12 percent a year without the consent of the insurance commissioner. The new proposal leaves that power in the commissioner's hands, but opponents say that as a practical matter, it would be more difficult for the commissioner and the consumer to compare rates and decide what's fair, and would create smaller customer pools to spread the costs. The net result would be higher rates for many drivers.

  • There's no need to tinker with NC's auto insurance rate system

    Published: Sunday, May 4, 2014 by The News & Observer
    Look out below. That’s the caution for the innocent bystanders in a coming fight from auto insurance companies to change North Carolina’s method of regulating rates. The companies have tried this before, probably figuring that “business-friendly” Republicans now in charge of the General Assembly would take their side against consumers’ best interests. That effort fell short, without any indication that policy-holders were dissatisfied with the way Insurance Commissioner Wayne Goodwin and his office have continued to maintain a system that has North Carolina’s rates among the lowest in the country, the sixth lowest in fact.

  • NC auto insurers propose yet another rate-making shift

    Published: Friday, April 25, 2014 by The Charlotte Observer
    RALEIGH A coalition of automobile insurance companies that are unhappy with the way that North Carolina regulates rates is taking yet another crack at changing the system. Spokesmen for FAIR NC, a group that includes State Farm, Allstate and Geico, say they have concocted a less ambitious proposal that they hope will gain more traction than their unsuccessful efforts over the past few years.

  • NC auto insurance rates to hold steady for another year

    Published: Wednesday, February 5, 2014 by Wilmington WWAY-TV
    WILMINGTON, NC (WWAY) -- While North Carolina's home insurers are asking for consumers to pay more for insurance, auto insurers have gone another year holding steady. The North Carolina Department of Insurance says the annual auto insurance rate filing from the North Carolina Rate Bureau, which represents insurance companies, requests no change in rates for private passenger car and motorcycle insurance policies for the coming year.

  • Should N.C. insurers set own auto rates? NO

    Published: Sunday, June 30, 2013 by The Charlotte Observer
    For years, big out-of-state insurance companies have fought to change the way we regulate car insurance in North Carolina. After another failed attempt in the legislature in April, they’re at it again. Their persistence is driven by one thing. Greed. To put it simply, they see an opportunity to make more money off of N.C. drivers. Their lobbyists have descended on the legislature in a desperate effort to amend Senate Bill 180. The amendment would allow them to bypass the cap on rates that is set by the state and file for unlimited rate increases whenever they want. The cost of car insurance will inevitably go up for drivers across the state. But they won’t tell you that.

  • No need to rewrite car-insurance law

    Published: Monday, June 24, 2013 by the Winston-Salem Journal
    There’s an old saying at the legislature: “If it ain’t broke, don’t fix it.” That wisdom is lost on the legislators who keep pushing a rewrite of state insur-ance law. They’re being prodded by a coalition of insurance companies that want less regulation of the state’s auto-insurance market. Our free-enterprise General Assembly is sympathetic to arguments about reducing the costs of state government and getting government out of the way of business. So the efforts by the insurance companies got a fair hearing earlier this session.

  • Insurers look, again, to pad bottom line

    Published: Wednesday, June 19, 2013 by The Charlotte Observer
    A new study by Insure.com finds that North Carolina has the third-cheapest car insurance in the nation, higher than only Maine and Iowa. North Carolina’s average rates are just 40 percent of those in the highest state, Louisiana. North Carolina’s drivers could zoom up the rankings in a hurry, though, if a coalition of insurance companies gets its way with the legislature. A group of insurers that includes State Farm, Allstate and Geico wants to change the way car insurance rates are set in this state. Get a tight grip on your wallets. This coalition – which goes by the name FAIR NC – is nothing if not persistent. It has been pushing similar changes for years.

  • Kill It - Special interests revive bad insurance reform

    Published: June 20, 2013 by The Fayetteville Observer
    Midnight Madness is early this year. It happens every year in Raleigh as the clock runs down on a legislative session and lawmakers rush to get the work done and go home. Often under cover of wee-hour darkness, mischief inevitably occurs. Usually, it's a sneak attack, a dramatic change in a bill that turns it into a gift to one special interest or another. So it is with Senate Bill 180, a tweak in car-insurance regulations that would allow insurers to offer special discount programs to North Carolina drivers.

  • Amendment to NC auto insurance bill rekindles industry feud

    Published: June 18, 2013 by The News & Observer
    The internal feud among North Carolina’s insurance carriers over the way the state regulates auto insurance rates continues to bubble up in the halls and back rooms of the state legislature. FAIR NC, a coalition of insurance companies that this spring failed to win passage of a bill that would have remade the state’s regulatory system, hasn’t given up the fight. Now the coalition, which includes such companies as State Farm, Allstate and Geico, is seeking to amend a heretofore noncontroversial auto insurance bill that was unanimously approved by the Senate in April.

  • Bill giving insurers ability to raise rates, offer discounts fails in committee

    Posted April 16, 2013 on WRAL.com
    Raleigh, N.C. — A bill that opponents, including local car insurers and North Carolina's insurance commissioner, said would raise car insurance rates on most drivers failed in committee Tuesday.Voting 18-11, the House Insurance Committee rebuffed a measure sought by national insurance companies such as State Farm, Geico and USAA.

  • Driving costs expected to be down this year

    Published on April 30, 2013 in The Herald-Sun
    DURHAM —North Carolina drivers are expected to pay lower annual driving costs this year due to falling gas prices, lower insurance costs and improved fuel economy, according to AAA Carolinas. The not-for-profit automobile association affiliate said in a news release Tuesday the owner of an average sedan in the state is expected to pay $9,362 in 2013 to drive based on current prices. That’s compared to $10,558 last year. The total includes insurance, maintenance, gasoline, tires, taxes, registration, depreciation and finance charges. The estimate was based on motorists driving 15,000 miles a year.

  • NC auto insurance overhaul proposal defeated

    Posted: April 17, 2013 by Gary D. Robertson in Businessweek.com
    RALEIGH, N.C. (AP) — Legislation to overhaul North Carolina's automobile insurance system was rejected Tuesday by a House committee after Insurance Commissioner Wayne Goodwin and other speakers argued it would raise premiums for everyone. The House Insurance Committee turned down a motion to recommend the measure to the full House by a vote of 18-11.

  • Amended NC auto insurance bill still faces opposition

    Published: April 10, 2013 by The News & Observer
    A controversial bill that would overhaul the state’s regulation of auto insurance rates has been modified in response to objections raised by opponents. But the changes, unveiled Tuesday in a legislative committee meeting, failed to win over opponents of the bill, including Insurance Commissioner Wayne Goodwin.

  • The most and least expensive states for car insurance in 2013

    Posted: Mar. 14, 2013 by Insure.com
    Louisiana is No. 1 -- but not in a desirable way. It has the highest average car insurance rates in the nation, followed by Michigan and Georgia, according to Insure.com's annual state-by-state comparison of insurance premiums. Maine enjoys the least expensive car insurance rates, followed by Iowa. Louisiana and Michigan have held one of the top three positions since Insure.com...

  • Drivers of this bill? Not N.C. drivers

    Posted: Mar. 05, 2013 by The Charlotte Observer
    There’s a lot to like about the unique way car insurance rates are set in North Carolina. The state has the lowest rates in the South, and the seventh-lowest in the nation. That could change quickly under a proposal the legislature is considering.Here’s how it works now: Car insurance companies have to agree to an industry-wide rate increase (or decrease) each year with the N.C. Rate Bureau. The publicly elected insurance commissioner reviews that request, decides whether it’s justified...

  • Proposed changes to car insurance law could end up costing drivers more

    Published: Mar. 16, 2013 by the Wilmington StarNews
    North Carolina drivers already enjoy some of the lowest automobile insurance rates in the country. A group of lawmakers say their bill will save consumers money, but that claim may be very misleading if experience in other states is any indication. The promise sounds appealing – reduce auto insurance regulations so that insurers can offer good drivers the very best deals on insurance...

  • Apodaca has a better idea on auto insurance

    Posted: Mar. 10, 2013 by the Asheville Citizen-Times
    Finally, someone has proposed changes to North Carolina’s auto insurance system that might actually benefit drivers and not just insurers. North Carolina has a model system for two reasons. First, proposed rate changes must be industrywide and can be challenged by the Department of Insurance. Insurers can charge less than the rate set by law but not more. Second, a reinsurance pool assures...

  • White: Take a peek inside insurance bill

    Published: Mar. 10, 2013 by The Fayetteville Observer
    'Laws are like sausages," Otto von Bismarck said. "It's better not to see them being made." Too many of us take the great German statesman's advice. I suspect he gave it to keep the public's eyes out of his own political machinations. It doesn't serve anyone but the politicians who are making the sausage. As ugly as the view can be, we need to be political junkies to some degree, because we need to know what our elected representatives are up to. Too often, they're up to no good...

  • Goodwin the best insurance for NC drivers

    Published: Mar. 8, 2013 by The News & Observer
    When Wayne Goodwin warns that legislators and some in the insurance industry may be up to something, it’s fairly safe to assume that...they may be up to something. So let’s hope all these pro-business Republicans in the General Assembly understand that if they should act in a way that has North Carolina consumers paying more for auto insurance, and facing more rate increases in a revised system with few checks and balances, the voters may decide to be not so...

  • Insurance Proposal Hardly a 'Reform'

    Published: Mar. 8, 2013 by The Pilot
    Former state Sen. Patrick Ballantine says he just wants to give the drivers of North Carolina "the benefits of competition." Bless his heart. But before you get too carried away in praising Mr. Ballantine's generosity, remember who he works for now. He's one of 27 lobbyists in Raleigh who represent 14 insurance companies and associations that are seeking a fundamental change in the way North Carolina regulates, or doesn't regulate, auto insurance. And you can be pretty sure that...

  • Insurance 'reform' has high stakes

    Published: Mar. 05, 2013 by the Asheville Citizen-Times
    One good way to tell how much is at stake in any issue before the N.C. General Assembly is to count the number of lobbyists working on it. By that standard, an awful lot is involved in the fight over the state’s auto insurance system.Under the existing system, insurers must propose industrywide rate changes that can be challenged by the Insurance Department. Rates in North Carolina are the lowest in the South and among the lowest in the nation. Average premiums have fallen 3 percent since...

  • Driven - Does Meredith bill help consumers or insurers?

    Published: Mar. 03, 2013 by The Fayetteville Observer
    Wesley Meredith says his insurance-reform legislation is good for us. "North Carolina drivers will benefit from a more competitive, free-market system that reduces bureaucracy and eliminates unnecessary costs," he says.Yeah, right, says Insurance Commissioner Wayne Goodwin, "The bill will have a devastating effect on North Carolina drivers." Goodwin says the reform measure sponsored by the state senator from Fayetteville would allow rate increases of up to 12 percent a year without any regulatory...

  • “NC insurance rules don't need fixing”

    Published: Jan. 1, 2013 by the Asheville Citizen-Times
    Let’s see if we have this right. North Carolina has either the eighth-lowest or fifth-lowest auto insurance rates in the nation, depending on which survey you use. Average premiums have fallen 3 percent since 2006. Even so, the business is profitable for insurers. Therefore, according to several major insurers, the system must be changed to...

  • Additional Newspaper Editorials

    A listing of additional statewide newspaper editorials opposing the dismantling of North Carolina’s system of competitive, low-cost auto insurance.

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