Buy Gautier Auto Insurance Like a Scrooge

Have you had enough of not being able to afford to insure your vehicles every month? You’re in the same situation as most other car owners in Mississippi. Companies like Progressive, GEICO and Farmers Insurance increase brand awareness with ads and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

If you have insurance now or are shopping for new coverage, you can follow these tips to reduce the price you pay and possibly find even better coverage. Finding affordable coverage in Gautier is easy if you know what you’re doing. Mississippi drivers just need to understand how to shop their coverage around online.

Gautier Auto Insurance Prices Online

All the larger auto insurance companies like Progressive, Allstate and GEICO provide prices for coverage on the web. This process is pretty easy as you just enter your personal and coverage information as detailed in the form. Upon sending the form, the system obtains your driving and credit reports and returns a price determined by many factors. Online price quotes streamlines rate comparisons, but the time required to go to multiple sites and type in the same information can be a bit repetitive. But it’s absolutely necessary to get many rate quotes in order to get the lowest possible prices on auto insurance.

There is an easier way!

The easiest way to compare rates uses one form that analyzes rates from many companies. It saves time, helps eliminate reptitive entry, and makes comparison shopping much simpler. After sending the form, it gets priced and you are able to buy your choice of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to compare rates using this form now, click here and submit the form. If you currently have coverage, we recommend you copy deductibles and limits just like they are on your policy. This helps ensure you will have rate comparison quotes based on the exact same insurance coverage.

Are auto insurance companies telling the truth?

Consumers in Mississippi can’t ignore all the ads for car insurance savings from the likes of Progressive, Allstate and GEICO. All the companies make the same claim that you’ll save big if you switch your coverage to them.

How do they all claim to save you money? It’s all in the numbers.

Different companies are able to cherry pick for the driver that is profitable for them. An example of a desirable insured might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Potential insureds who don’t measure up to the requirements will be quoted higher prices which leads to business not being written. Company advertisements say “drivers who switch” not “people who quote” save that much money. That’s why insurance companies can advertise the savings. This emphasizes why drivers must compare many company’s rates. You cannot predict which auto insurance company will provide you with the cheapest rates.

Smart Buyers can Save Money

An important part of buying insurance is that you know the rating factors that help determine auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.Gautier MS auto insurance

  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the protection if you are found liable for damages from an accident. It will provide legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Males pay more for insurance – Statistics have proven women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes are in accidents in similar numbers, but the males have costlier accidents. They also have more aggressive citations such as DWI and reckless driving. Young males are most likely to cause an accident and are penalized with high auto insurance rates.
  • Lower deductibles cost more – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be a windshield shattered by a rock, damage caused by hail, and windstorm damage. Deductibles for physical damage are how much you are required to spend out-of-pocket in the event of a claim. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
  • Younger drivers pay higher rates – Older drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers tend to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher.

Save money by taking advantage of these discounts

Companies do not advertise every discount very well, so we break down some of the more common as well as the least known ways to save on auto insurance. If you don’t get every credit possible, you are paying more than you should be.

  • Multi-policy Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Use Seat Belts – Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Clubs and Organizations – Affiliation with a professional or civic organization may earn a discount on auto insurance.
  • Paperwork-free – A few companies may give you up to $50 for buying your policy on their website.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Driver Safety – Completing a course in driver safety can save you 5% or more if you qualify.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.

Different people need different coverages

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you would benefit from professional advice.

  • Do all my vehicles need collision coverage?
  • Do I need added coverage for expensive stereo equipment?
  • What can I do if my company denied a claim?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy more coverage than the required Mississippi minimum liability coverage?
  • Do I need PIP (personal injury protection) coverage in Mississippi?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Quote online but work with a neighborhood agent

Some consumers prefer to visit with an insurance agent and that is just fine! Licensed agents can point out coverage gaps and help file insurance claims. One of the great benefits of getting online price quotes is the fact that you can find the best rates but still work with a licensed agent.

Upon completion of this form (opens in new window), your coverage information is immediately sent to local insurance agents in Gautier who will compete for your insurance coverage. You never need to visit any agencies as quotes are delivered straight to your inbox. How’s that for easy!

Choosing an insurer requires more thought than just the premium amount. Agents should be asked these questions:

  • What is the agency’s Better Business Bureau rating?
  • Do they feel the quoted coverages are adequate?
  • How long has their agency been in business in Gautier?
  • Who are their largest clients?
  • Does the company allow you to choose your own collision repair facility?
  • Are there any discounts that you might be missing?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Can they provide you with a list of referrals?

The type of insurance agent you choose is important

When researching a local agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Gautier agents are classified as either independent or captive. Both do a good job, but it’s important to know the difference between them since it may influence the selection process.

Agency Captives

These agents are contracted to one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage.

Shown below are Gautier captive insurance agents that can give you comparison quotes.

State Farm Insurance – 2808 Highway 90 # 2 – Gautier, MS 39553 – (228) 497-5040

Independent Agents

Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency. When comparison shopping, we recommend you contact at a minimum one independent agency for maximum quote selection.

The following are Gautier independent agents that are able to give rate quotes.

Estis Agency – 4341 Gautier Vancleave Rd # 2 – Gautier, MS 39553 – (228) 497-1178
Johnston and Assoc Insurance – 4321 Gautier Vancleave Rd – Gautier, MS 39553 – (228) 497-5978
Coastal Insurance Assoc LTD – 1212 Highway 90 – Gautier, MS 39553 – (228) 497-9751

For a complete listing of auto insurance agents in Gautier, please view this page.

Once you have good answers to any questions you have and a good coverage price, it’s possible that you found an insurance agent that can properly insure your vehicles.

Smart shoppers get results

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price while still protecting your assets.

We just presented many ideas to compare auto insurance prices online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with a lesser-known regional company. They can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Additional detailed information is located at the Mississippi Insurance Department website. Mississippi drivers can get help finding coverage, read industry bulletins, file complaints about a company, and find disaster information.