⚡ Key Takeaways
- Academic insurance journals and actuarial society research provide foundational methodology underlying daily shopping resources
- Primary daily-shopping sources: AM Best, NAIC + CDI, CDI Premium Survey, III + AAA practice notes
- CDI Premium Comparison Survey is the most California-specific premium benchmark available — actuarially rigorous
- AAA California-related analyses (Sustainable Insurance Strategy, wildfire risk) are the most rigorous policy work for OC shoppers
- CA-licensed broker integration of all sources is the practical layer that produces household-specific OC recommendations