New Strategies for Spending Less for on Gulfport Mississippi Auto Insurance

If price shopping auto insurance online is new to you, you may be confused by the large number of companies competing for business in Gulfport.

Comprehensive Gulfport Auto Insurance Comparison Quotes

When shopping for auto insurance there are multiple ways to compare quotes from different in Gulfport, Mississippiinsurance companies. The recommended way to find the lowest rates is to use the internet to compare rates. This can be done using a couple different methods.

The single most time-saving way to find low rates is an all-inclusive rate comparison click here to open form in new window. This easy form saves time by eliminating separate quote forms to each individual auto insurance company. Just one form gets you price quotes direct from many companies. Just one form and you’re done.

A more time consuming way to obtain and compare quotes online is going to each company’s website to request a price quote. For examples sake, we’ll pretend you want to compare Liberty Mutual, Farmers and GEICO. To find out each rate you need to go to every website to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in Gulfport, click here.

The most time-consuming way of comparing rate quotes is driving to insurance agents’ offices. Shopping for auto insurance online makes this process obsolete unless you have a need for the trained guidance of a local Gulfport agent. Drivers can get the lowest quotes online and still use a local agent and we’ll touch on that later.

It’s up to you which method you use, but ensure you’re using identical coverages and limits for each price quote. If the quotes have unequal deductibles or liability limits it will be very difficult to determine the lowest rate in Gulfport. Having just a slight variation in insurance coverages could mean much higher rates. Keep in mind that quoting more helps you find a better price.

It’s not one size fits all

When it comes to choosing coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether or not you could use an agent’s help.

• Where can I get insurance after a DUI in Mississippi?
• What are the best liability limits?
• Which companies will insure high-risk drivers?
• When would I need rental car insurance?
• Should I rate my vehicle as pleasure use or commute?
• Will my rates increase for filing one claim?
• When should my teen driver be added to my policy?
• When do I need to add a new car to my policy?
• Are all vehicle passengers covered by medical payments coverage?
• At what point should I drop full coverage?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

Comparing rates from local agents

Certain consumers prefer to sit down with an agent and that is just fine! The biggest benefit of price shopping on the web is you can get the lowest rates but still work with a licensed agent. Supporting local agencies is especially important in Gulfport.

After completing this form (opens in new window), your insurance data is submitted to local insurance agents in Gulfport who will give you bids for your business. You never need to visit any agencies since price quotes are sent to the email address you provide. Now that’s easy! It’s the lowest rates AND an agent nearby.

Different types of insurance agents in Gulfport

When searching for an insurance agent, you must know there are a couple types of agencies from which to choose. Agencies in Gulfport are classified as either captive or independent (non-captive).

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company but rather can write business with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part. When comparing rates, you should always get quotes from at least one independent agent for the best price selection.Many can place coverage with different regional companies who may have lower rates.

Below are Gulfport independent insurance agencies that can give you price quotes.

• Beacon Agency – 1015 Pass Rd # D – Gulfport, MS 39501 – (228) 868-2931
• Direct General Ins Agency – 1620 Terrace Dr – Gulfport, MS 39501 – (228) 871-5971
• Direct General Ins Agency – 520 E Pass Rd # H – Gulfport, MS 39507 – (228) 863-7730
• Sawyer-Foster Insurance Group – 14110 Airport Rd # 200 – Gulfport, MS 39503 – (228) 864-1550
• Progressive Insurance Co – 14116 Customs Blvd – Gulfport, MS 39503 – (228) 867-7400

Captive Agents

Captive insurance agents have only one company to place business with and examples are Farmers Insurance or State Farm. They generally cannot place coverage with different providers so keep that in mind. Captive agencies are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent primarily because of the brand legacy and solid financial strength.

The following are Gulfport captive agencies willing to provide price quotes.

• Farm Bureau Insurance – 11327 Highway 49 – Gulfport, MS 39503 – (228) 832-3881
• Allstate Insurance – 1012 Pass Rd – Gulfport, MS 39501 – (228) 864-4000
• State Farm Insurance – 15016 Dedeaux Rd – Gulfport, MS 39503 – (228) 832-7060

To view a full list of captive insurance agents in Gulfport, simply jump to this page.

Deciding on an insurance agency needs to be determined by more than just a cheap price. Any agent should have no problem answering these questions:

• What insurance companies do they work with?
• Is working in the agency their full-time job?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Do they assist clients in filing claims?
• How long have they worked with personal auto insurance coverage?
• Can they provide you with a list of referrals?
• Do they receive special compensation for putting your coverage with one company over another?

Upon receiving positive feedback to your questions and locked in a price quote, you may have just found an auto insurance agent that will insure your vehicles.

Additional auto insurance information is available on the Mississippi Insurance Department website. Click here for link. Mississippi drivers can get help finding coverage, view agent and company licensing information, and view a list of available companies.

Also read more on III.org’s auto insurance page and see this list of insurance agents in Gulfport.