Wish you could get out of an overpriced auto insurance policy? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out. Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurers and get the best coverage at the best rate
If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Finding the best rates in Hazlehurst is quite easy. But Mississippi drivers need to have an understanding of the methods companies use to market on the web and use this information to your advantage.
There are a lot of ways you can shop for auto insurance and some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with agents in Hazlehurst, or you could use the web to maximize your effort.
All the larger companies participate in a marketplace that allows shoppers to complete one form, and each company returns a rated price for coverage. This eliminates the need for form submissions for every auto insurance company.
To fill out one form to compare multiple rates now click to open in new window.
The one disadvantage to getting quotes like this is you don’t know exactly which companies you want pricing from. If you prefer to choose specific providers for rate comparison, we have a page of low cost auto insurance companies in Mississippi. View list of Mississippi insurance companies.
It’s your choice how you get your quotes, but try to use the exact same information on every quote. If you have different limits and deductibles on each one it will be very difficult to make a fair rate comparison in Hazlehurst. Just a small difference in insurance coverages or limits may result in a large different in cost. And when comparing auto insurance rates, know that having more price comparisons will improve the odds of getting better pricing.
Are you getting every discount?
Auto insurance is not an enjoyable expense, but companies offer discounts to help bring down the price. A few discounts will be applied when you quote, but some must be inquired about before being credited.<img class="alignright" style="padding-top:15px;" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-89.jpg" alt="Mississippi auto insurance“/>
- Paperwork-free – Some larger companies will provide an incentive for completing your application on their website.
- Distant Student Discount – Kids who are enrolled in higher education away from home and do not have a car could get you a discount.
- Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more as compared to drivers with claims.
- Active Service Discounts – Being on active duty in the military could trigger a small discount.
- Homeowners Savings – Owning a house in Hazlehurst may earn you a small savings since home ownership means you have a higher level of financial diligence.
- Student Discount for Driver Training – Require your teen driver to take driver’s ed class as it can save substantially.
Discounts save money, but please remember that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, companies wouldn’t make money that way.
The best auto insurance companies and some of their more popular discounts are detailed below.
- Geico includes discounts for seat belt use, anti-theft, federal employee, anti-lock brakes, multi-vehicle, daytime running lights, and membership and employees.
- MetLife has savings for claim-free, defensive driver, multi-policy, good driver, and accident-free.
- Progressive may offer discounts for good student, homeowner, continuous coverage, online signing, multi-policy, multi-vehicle, and online quote discount.
- Travelers may have discounts that include continuous insurance, student away at school, home ownership, payment discounts, good student, and early quote.
- SAFECO offers premium reductions for anti-theft, teen safe driver, accident prevention training, homeowner, anti-lock brakes, and multi-car.
- AAA offers discounts for multi-policy, good student, multi-car, AAA membership discount, anti-theft, pay-in-full, and good driver.
When comparing rates, check with each company or agent which discounts you qualify for. Savings may not apply to policyholders in your state. If you would like to view providers who offer online auto insurance quotes in Hazlehurst, click here to view.
Quote more affordable auto insurance with these tips
A large part of saving on auto insurance is knowing the factors that are used to determine your auto insurance rates. When you understand what influences your rates, this allows you to make good choices that may result in lower rates.
Shown below are a few of the “ingredients” that factor into rates.
- Raise physical damage deductibles and save – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of covered claims would be colliding with a building, flood damage, and damage caused by flying debris. Your deductibles tell how much the insured will be required to pay if the claim is covered. The more money the insured is willing to pay, the better rate you will receive.
- Marriage is a bonus – Your spouse helps lower the price on auto insurance. Having a spouse generally demonstrates drivers are more financially stable and statistics show drivers who are married file infrequent claims.
- Teenage driver insurance costs – More experienced drivers are shown to be more cautious, tend to cause fewer accidents and are safer drivers.Teenage drivers have been known to be more careless in a vehicle so they pay higher auto insurance rates.
- Deter theft and save – Choosing a vehicle that has an advanced theft prevention system can earn a premium discount. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft and help lower rates.
- Lower stress equals lower rates – Jobs like lawyerspolice officers and medical professionals generally have higher rates than average because of job stress and long work hours. Other jobs such as farmers, athletes and the unemployed generally pay rates lower than average.
When in doubt talk to an agent
When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out if your situation could use an agent’s help.
- I don’t drive much so do I pay less?
- Am I covered when driving on a suspended license?
- Will I lose any money if I cancel my policy before it expires?
- Does coverage extend to a rental car in a foreign country?
- Does my car insurance cover rental cars?
- Can I pay claims out-of-pocket if I buy high deductibles?
If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.
Additional information is located on the found here. Visitors are able to discover disciplinary actions, learn about specific coverages, read state legal mandates and laws, and file complaints about an insurance agent or broker.
Also read more on Auto Insurance 101 and this page on QuoteClickInsure.com.
You can find cheaper coverage
When shopping online for auto insurance, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at an affordable rate.
Budget-conscious auto insurance is definitely available on the web and from local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers may not provide rates over the internet and usually these smaller providers sell through independent insurance agents.
We’ve covered some good ideas how to compare auto insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding . You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.