Being forced to pay for high-priced auto insurance premiums can bleed your family’s budget and force you to make sacrifices. Performing a price comparison can save money and help to ensure you are getting the best deal.
You have so many auto insurance companies to choose from, and though it is a good thing to have a selection, having more car insurance companies makes it harder to adequately compare rates.
It’s a great practice to quote other rates on a regular basis since insurance prices change regularly. Just because you had the best rates last year there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to show you the fastest and easiest way to reduce your cost while increasing coverage.
Locating the cheapest protection in Fulton is not that difficult. Just about every vehicle owner who buys auto insurance will be able to find better rates. Although Mississippi consumers can benefit from knowing the methods companies use to sell online and take advantage of how the system works.
Compare Fulton auto insurance quotes
Most of the larger companies allow consumers to get prices on the web. Comparing prices online doesn’t take much effort as all you need to do is type in the amount of coverage you want into the quote form. Behind the scenes, their system obtains reports for credit and driving violations and returns a price quote based on the data you entered. This streamlines rate comparisons, but the time required to go to many different websites and enter the same data into a form is a big time waster. But it’s also necessary to do this if you want to get a lower rate.
The easy way to compare rates
The smarter way to compare rates requires only one form to get prices from more than one company. It saves time, requires less work, and makes price shopping online much easier. As soon as the form is sent, it is quoted with multiple companies and you can pick your choice of the pricing results.
If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process only takes a few minutes and can result in significant savings.
To find out what other companies charge, click here and begin entering your coverage information. If you have coverage now, it’s recommended you input deductibles and limits as shown on your current policy. This way, you will get a fair comparison for the exact same coverage.
Discount Fulton auto insurance quotes
Properly insuring your vehicles can get expensive, but you might already qualify for some discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time you complete a quote, but some may not be applied and must be manually applied in order for you to get them. If you do not check that you are getting every discount possible, you’re paying more than you need to.
- 55 and Retired – Drivers that qualify as senior citizens may qualify for lower premium rates.
- Good Students Pay Less – Excelling in school can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
- Auto/Home Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
- Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Early Switch Discount – Some auto insurance companies give discounts for switching to them prior to your current policy expiration. It could save around 10% when you .
Please keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
Companies and some of the premium reductions they offer can be read below.
- State Farm offers premium reductions for safe vehicle, driver’s education, defensive driving training, multiple policy, and student away at school.
- Farmers Insurance may offer discounts for business and professional, bundle discounts, electronic funds transfer, homeowner, distant student, and mature driver.
- Geico may have discounts that include anti-lock brakes, military active duty, defensive driver, multi-vehicle, federal employee, and emergency military deployment.
- American Family may include discounts for mySafetyValet, multi-vehicle, air bags, bundled insurance, good driver, and early bird.
- Nationwide discounts include easy pay, accident-free, family plan, good student, and multi-policy.
- Progressive policyholders can earn discounts including online quote discount, multi-vehicle, multi-policy, continuous coverage, and homeowner.
If you need lower rates, check with each insurance company to apply every possible discount. Savings might not apply in your state.
Local Fulton insurance agents
Some consumers just want to talk to an insurance agent and that can be a smart move A good thing about price shopping on the web is the fact that you can find cheap rate quotes but also keep your business local. Putting coverage with local insurance agencies is important particularly in Fulton.
For easy comparison, once you complete this simple form, your insurance coverage information is sent to participating agents in Fulton who want to provide quotes for your auto insurance coverage. There is no reason to do any legwork since rate quotes are delivered immediately to you. You can get cheaper auto insurance rates AND a local agent. If for some reason you want to get a comparison quote from a specific auto insurance provider, don’t hesitate to find their quoting web page to submit a rate quote request.
Do you need an independent or captive car insurance agent?
If you want a good insurance agency, it’s important to understand the types of insurance agents and how they differ in how they can insure your vehicles. Agencies in Fulton can either be captive or independent agents depending on their company appointments.
Independent Insurance Agents
Independent agents often have affiliation with several companies so they have the ability to put coverage through many different auto insurance companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies which makes it simple for you. When comparing auto insurance rates, you should always get rate quotes from several independent agencies so that you have a good selection of quotes to compare.
Listed below is a partial list of independent agents in Fulton that can give you free auto insurance quotes.
Harris Insurance Inc – 101 Access Rd – Fulton, MS 38843 – (662) 862-9648
Fulton Insurance – 1601 S Adams St – Fulton, MS 38843 – (662) 862-3111
Captive Agencies
These type of agents can only provide pricing for a single company and examples are Allstate, State Farm and Farm Bureau. Captive agencies are unable to provide other company’s prices so they have no alternatives for high prices. Captives are trained well on their products and sales techniques which aids in selling service over price.
Below are captive insurance agencies in Fulton who can help you get price quotes.
Farm Bureau Insurance – 710 S Adams St – Fulton, MS 38843 – (662) 862-9340
To find agencies near you, visit this list of insurance agencies in Fulton, MS.
Choosing the best auto insurance agent is decision based upon more than just the quoted price. These are valid questions to ask:
- Do they receive special compensation for putting your coverage with one company over another?
- Are they involved in claim handling?
- What will you get paid if your car is a total loss? How is that amount determined?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they properly licensed to sell insurance in Mississippi?
- What company holds the largest book of business for them?
- Are they full-time agents?
Additional information is located on the located here. Mississippi drivers can read state legal mandates and laws, find disaster information, read enforcement actions against agents and companies, and find out which companies have the most complaints.
These articles may also be worth reading.
Insurance advertising tricks
Companies like State Farm, Allstate and Geico continually stream ads on television and other media. All the companies make the same claim about savings after switching your auto insurance policy to them. How does every auto insurance company sell you cheaper insurance coverage? This is the way they can do it.
Many companies have specific criteria for the type of insured that will generate a profit. An example of a desirable insured may need to be over age 30, has few claims, and insures a new vehicle. Anyone who fits those characteristics will get a cheap rate quote and is almost guaranteed to save a lot if they switch.
Potential insureds who are not a match for these standards will have to pay higher premiums and this results in the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” will save that much if they switch. This is how companies can truthfully state the savings.
Because of the profiling, you really should compare as many as you can. Because you never know the company that will give you the biggest savings.
Auto insurance specifics
Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.
Liability car insurance
Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.
Liability can pay for claims such as repair bills for other people’s vehicles, court costs, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford. Mississippi state law requires minimum liability limits of 25,000/50,000/25,000 but you should think about purchasing higher limits.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your vehicle.
Because many people carry very low liability coverage limits (which is 25/50/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.
Comprehensive auto coverage
Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like vandalism, theft, hail damage, hitting a bird and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Collision insurance
Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things such as hitting a mailbox, rolling your car, colliding with another moving vehicle, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for hospital visits, dental work and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage
In Summary
As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There have been many situations where someone sacrificed full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Throughout this article, we presented a lot of ways to save on auto insurance. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers could even find that the lowest priced auto insurance comes from a small local company. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.