Perplexed by the sheer number of car insurance choices in Hattiesburg? Many other drivers are as well. There are so many options available that it can be a challenge to find the lowest price.
Choosing the best insurance company for you in Hattiesburg is not rocket science. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Mississippi drivers only need to know the proper methods to get comparison rates online.
Cheap Hattiesburg Car Insurance Comparisons
There are several ways to shop for car insurance, but one way is less time-consuming than others. You could waste time talking to local insurance agents in Hattiesburg, or you could save time and use online quoting to achieve your goal.
Many popular insurance companies participate in an industry program that allows shoppers to submit one quote, and every company can give them a price for coverage. This prevents consumers from doing quote forms to each individual car insurance company.
To find out how much you can save on car insurance click to open in new window.
The only downside to getting quotes like this is that consumers can’t choose which companies to get pricing from. If you would rather choose specific insurance companies to compare prices, we have assembled a list of low cost car insurance companies in Mississippi. Click here for list of insurance companies in Mississippi.
However you get your quotes, make absolute certain that you use exactly the same information for each comparison quote. If you are comparing unequal deductibles or liability limits it’s not possible to truly determine the lowest rate in Hattiesburg.
Do you qualify for discounts?
Companies do not advertise every available discount very clearly, so here is a list both the well known and also the lesser-known ways to save on car insurance. If you’re not getting every credit you deserve, you are paying more than you should be.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
- Government Employees – Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
- Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.
- No Charge for an Accident – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
- New Car Discount – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
Consumers should know that some credits don’t apply to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way.
Informed Drivers can Cut Their Rates
Consumers need to have an understanding of the factors that come into play when calculating the price you pay for car insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with better car insurance rates.
The list below includes some of the items used by your company to calculate rates.
- Higher deductibles cost less – Your deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The more expense the insured has to pay upfront, the lower your rates will be.
- Performance makes a difference – The type of car you own makes a huge difference in the rate you pay. Economy passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
- Liability coverage is cheap – Liability insurance provides coverage in the event that you are found liable for damages from an accident. It provides legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so do not skimp.
- With age comes lower rates – Young drivers in Mississippi are known to get distracted easily when behind the wheel so they pay higher car insurance rates. Older insureds are more responsible, file fewer claims and receive fewer citations.
- Women pay lower rates – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are better drivers. They both cause accidents at a similar rate, but men tend to have more serious accidents. Men also get cited for more serious violations such as DWI and reckless driving.
- Clean credit earns discounts – Having a bad credit score is a big factor in determining what you pay for car insurance. Consumers who have good credit tend to be less risk to insure than those with poor credit. If your credit is low, you could be paying less to insure your by spending a little time repairing your credit.
- You might want pay the small claims yourself – Companies in Mississippi give better rates to people who do not file claims often. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is designed for major claims that would cause financial hardship.
Online plus local equals savings
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage for the lowest price while still protecting your assets.
In this article, we covered a lot of ways to lower your car insurance rates. The key concept to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest rates come from some of the smallest insurance companies.
Drivers who switch companies do it for a variety of reasons including policy cancellation, policy non-renewal, an unsatisfactory settlement offer and even poor customer service. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.
To find out more about Mississippi car insurance
Additional detailed information can be found at the Mississippi Insurance Department website. Consumers can view a list of available companies, read consumer alerts, and report car insurance fraud.