At National Merit we take extreme care when selecting new customers. However, tickets and accidents can affect your rates or eligibility. Loss of eligibility is considered when drivers show a clear disregard for safety. Normally, a single incident will not affect your rate or eligibility, however we do employ a stricter standard when young dependent drivers are involved.

Historically, our rate revisions have been small, infrequent, and have rarely exceeded the rate of inflation. And the revisions are not always increases... over the past several years we have lowered rates for many of our policyholders because of better than average claims activity. But, like all other industries, we need to keep up with the rising costs resulting from inflation.

Since 1980 we have been the undisputed low rate leader for the Northwest's best drivers. We take the extra time to select only safe, responsible drivers. Because careful people have fewer claims, we can pass those savings on to our customers in the form of lower rates. We deal directly with our policyholders to lower our expenses and your premiums. We also understand the positive impact technology has on our productivity. We are embracing the Internet as a low expense method to help grow and service our business. Additionally, referrals from existing customers are our largest single source of new business. Referrals help reduce the cost to acquire new business from other sources such as media advertising.

We offer a very comprehensive automobile program. Our rates and discounts target multiple car households. When you insure more than one vehicle we discount your automobile rates 25%.

For 6-month policies, we offer:
Payment in Full;
2-Pay (50% down with the balance due in 60 days); and
4-Pay (25% down with 3 payments due in 30 day increments)*

Response Insurance Company owns National Merit. The Response Insurance Group is the 17th largest direct auto insurer in the nation and among the 100 largest personal auto insurers. The company was financed with an equity commitment, which now totals $315 million, from an investor group led by a private equity unit of Morgan Stanley Capital Partners, the global financial services firm. National Merit and Response Insurance Company maintain a very favorable rating from A.M. Best Company, the recognized authority in insurance financial reporting
Visit Links to Related Sites for a link to the A.M. Best Company and National Merit’s rating, as well as a link to Response Insurance Company.