5 Ways You Can Buy Car Insurance for Less in Vicksburg Mississippi

Saving money on Vicksburg car insurance can seem to be nearly impossible for beginners to buying insurance online. Consumers have so many companies to choose from that it can turn into a challenge to compare prices in Vicksburg.

Smart consumers take time to shop coverage around once or twice a year because rates trend upward over time. Just because you found the best rates two years ago there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the best methods to properly buy coverages while reducing your premium.

If you have a policy now or are looking for a new policy, you will benefit by learning to cut your premiums and still get good coverage. Buying affordable protection in Vicksburg can be fairly easy. Mississippi drivers only need an understanding of the most efficient way to find the lowest price on the web.

Vicksburg Car Insurance Quote Comparison

Finding a better price on car insurance is actually quite simple. The only requirement is to invest a little time to get quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

The single most time-saving way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate quote forms for each company you want a rate for. Just one form will get you price quotes from all major companies. This is by far the quickest method.

A harder way to obtain and compare quotes online is to take the time to go to each company’s website to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from Progressive, Allstate and American Family. To get rate quotes you would need to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

For a list of links to insurance companies in Vicksburg, click here.

The least efficient way of getting rate comparisons is to waste gas driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you require the trained guidance only provided by licensed Vicksburg agents. You can, however, get prices online but buy from a local insurance agent and you’ll learn how to do that later.

Whichever way you use, double check that you are using apples-to-apples coverage information with every price quote. If you compare different deductibles it will be impossible to determine which rate is truly the best in Vicksburg.

These 5 discounts can lower your rates

Car insurance companies do not advertise every discount in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company qualifies for this discount.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Safety Course Discount – Taking a defensive driving course could cut 5% off your bill depending on where you live.
  • Auto/Home Discount – When you have multiple policies with one company you may save 10% to 20% off each policy.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.

It’s important to note that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free car insurance policy, companies wouldn’t make money that way.<img class="alignright" style="padding-top:15px" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-20.jpg" alt="Mississippi insurance quotes” />

Situations that might require an agent

When it comes to choosing coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

  • Does my vehicle qualify for pleasure use?
  • Do I need rental car coverage?
  • How high should my medical payments coverage be?
  • Can I afford low physical damage deductibles?
  • Will my rates increase for filing one claim?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Car insurance coverage options

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, hail damage and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – This coverage can cover injuries or damage you cause to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as funeral expenses, court costs, medical services, legal defense fees and pain and suffering. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford. Mississippi state minimum liability requirements are 25,000/50,000/25,000 but drivers should carry better liability coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, prosthetic devices, dental work and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your vehicle.

Vicksburg car insurance

Because many people carry very low liability coverage limits (which is 25/50/25), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

To learn even more about car insurance

Even more information is located at the Mississippi Insurance Department website. Visitors are able to read industry bulletins, discover disciplinary actions, file complaints about an insurance agent or broker, and find disaster information.

Other useful links include this online resource for free quotes in Mississippi and this page of insurance agents in Vicksburg.