No car owner looks forward to paying for auto insurance, especially when they are aware that they could find better prices if they shop around. With people having so many options, it can be impossible to pick the lowest cost company.
It’s a good habit to shop coverage around periodically due to the fact that insurance prices change regularly. Even if you think you had the best price on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because it’s time to teach you how to use online quotes to find lower rates on auto insurance.
Get cheaper rates by receiving discounts
Not too many consumers would say auto insurance is affordable, but there could be significant discounts that you may not know about. Certain reductions will be credited at the time you complete a quote, but less common discounts must be asked for prior to getting the savings.
- Responsible Driver Discounts – Insureds without accidents can save as much as half off their rates than their less cautious counterparts.
- Professional Organizations – Participating in certain professional organizations could trigger savings when shopping for auto insurance.
- Driving Data Discount – Insureds that choose to allow driving data collection to scrutinize their driving habits remotely like Allstate’s Drivewise could see a rate decrease if they show good driving skills.
- Discounts for Government Workers – Having worked for a branch of the government could qualify for a slight premium decrease depending on your company.
- Drivers Education – Require your teen driver to complete a driver education course if it’s offered in school.
- Good Grades Discount – Getting good grades may save as much as 25% on a . This discount can apply until age 25.
- Seat Belt Usage – Drivers who require all occupants to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
It’s important to note that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like comprehensive or collision. Just because you may think you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will help reduce your premiums.
Insurance companies who might offer some of the above discounts include:
When comparing rates, check with all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not apply in Lucedale.
To find the best auto insurance rates, there are several ways to compare quotes from all the different companies. The quickest method to find competitive insurance rates consists of shopping online. This can be accomplished in a couple of different ways.
- The fastest way to get quotes would be an industry-wide quote request form click here to open form in new window. This method keeps you from doing a different quote to each individual auto insurance company. One form will return quotes from several companies.
- Another way to find lower rates is spending the time to visit the website for each individual company and complete a new quote form. For instance, we’ll pretend you want to compare prices for Nationwide, Liberty Mutual and Farmers. In order to get each rate, you would have to go to each individual site and punch in your information repeatedly, which is why the first method is quicker.
To view a list of companies in Lucedale, click here.
The method you choose is up to you, but be sure to compare nearly identical information for each price quote. If you have higher or lower deductibles you can’t possibly determine which rate is truly the best in Lucedale. Quoting even small variations in insurance coverages could throw off the whole comparison. And when comparing auto insurance rates, know that more quotes provides better odds of finding better pricing.
Why you might pay higher rates in Lucedale
Consumers need to have an understanding of some of the factors that aid in calculating auto insurance rates. When you know what positively or negatively determines base rates, this helps enable you to make changes that could help you find better auto insurance rates. Lots of things are considered when you get a price on insurance. A few of the factors are predictable such as traffic violations, although some other factors are not quite as obvious such as whether you are married or how safe your car is.
- City traffic equals higher prices – Living in a small town is a positive aspect when buying auto insurance. Lower population translates into fewer accidents. People who live in big cities have much more traffic and a longer drive to work. More time behind the wheel means a statistically higher chance of an accident.
- Extra policy coverages are wasting money – Insurance policies have a lot of add-on coverages that you can get tricked into buying if you aren’t diligent. Coverages for vanishing deductibles, accident forgiveness, and term life insurance may be costing you every month. They may seem good when discussing your needs, but if you don’t need them think about removing them and cutting costs.
- Performance impacts rates – The performance of the car or truck you need to insure makes a big difference in your premium level. The lowest rates are usually for smaller low performance passenger vehicles, but the cost you end up paying is determined by many additional factors.
- How credit rating affects auto insurance premiums – Your credit history can be an important factor in your rate calculation. Insureds with excellent credit scores tend to be more responsible and file fewer claims than those with lower credit ratings. So if your credit history could use some work, you could be paying less to insure your vehicle by improving your credit score.
- Bundling policies can get discounts – The majority of insurers will give discounts for people who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, it’s still a good idea to compare other company rates to help ensure you have the lowest rates.
Your auto insurance coverage should be tailored to you
When choosing proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining whether you could use an agent’s help.
- Should I buy more coverage than the required Mississippi minimum liability coverage?
- Is business equipment covered while in my vehicle?
- How many claims can I have before being cancelled?
- Does my vehicle qualify for pleasure use?
- Should I sign the liability waiver when renting a car?
- What is the difference between comprehensive and collision coverage?
- What can I do if my company won’t pay a claim?
- Is my teen driver covered when they drive my company car?
- Does having multiple vehicles earn me a discount?
If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.
You can lower your rates
We just showed you a lot of information how to reduce auto insurance prices online. The key concept to understand is the more you , the better your comparison will be. You may even discover the lowest priced auto insurance comes from a small mutual company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.
When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The aim is to get the best coverage possible at the best price, but do not skimp to save money.
Some companies may not offer the ability to get quotes online and most of the time these small insurance companies work with local independent agents. More affordable auto insurance can be sourced both online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.
Even more information can be found at the Mississippi Insurance Department website. Mississippi consumers can read industry bulletins, learn about specific coverages, and download brochures.