Cheaper Pascagoula, MS Car Insurance Rates in Five Minutes

Searching for the cheapest Pascagoula car insurance on the web is difficult for consumers new to comparison shopping online. When there are so many online companies, how can anyone effectively compare the different rates to find the cheapest available price?

Finding affordable car insurance coverage in Pascagoula can be fairly easy. If you have insurance now or are shopping for new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Mississippi drivers only need to know the most effective way to shop online.

Which Car Insurance is Cheapest in Pascagoula?

All the larger car insurance companies allow you to get coverage prices directly from their websites. This process is fairly straightforward as you simply type in the amount of coverage you want into the quote form. Once entered, their rating system will order your credit score and driving record and quotes a price.

Online price quotes helps simplify price comparisons, but having to visit several different sites and complete many quote forms can be a bit repetitive. But it is imperative to do this if you want to find the best price on car insurance.

There is a better way to compare rates

A less time-consuming method to get multiple rate quotes requires only one form to obtain quotes from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable. Immediately after you send the form, your coverage is rated and you are able to buy your choice of the quote results.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

If you want to compare rates using this form now, click here to open in new window and fill out the form. To compare your current rates, we recommend you enter the coverages exactly as they are listed on your policy. This helps ensure you will receive comparison quotes using the same coverage and limits.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but there could be available discounts to help offset the cost. Some discounts apply automatically at quote time, but some must be requested specifically in order for you to get them. If you aren’t receiving every discount you deserve, you are throwing money away.

  • New Car Discount – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Resident Student – Youth drivers who live away from home and do not have a car may be able to be covered for less.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Homeowners Savings – Owning a home in Pascagoula may trigger a car insurance policy discount because owning a home is proof that your finances are in order.

It’s important to note that most credits do not apply to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will reduce your premiums.

To choose insurance companies with the best car insurance discounts in Pascagoula, click this link.

Smart Consumers Save More

It’s important that you understand the different types of things that help determine the rates you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with better car insurance rates.

  • Where you reside plays a part – Residing in small towns and rural areas is a positive aspect when buying car insurance. City drivers have to deal with more traffic problems and a longer drive to work. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
  • Your car’s features help determine rates – Driving a car with an alarm system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • What are your deductibles? – The deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The more money you have to pay, the less your company will charge you for insurance.
  • How credit affects car insurance rates – Your credit score is a large factor in calculating your car insurance rates. If your credit is lower than you’d like, you could save money insuring your by improving your credit score. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with poor credit.
  • An active claims history can cost you – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance companies in Mississippi generally give cheaper rates to drivers who do not rely on their insurance for small claims. Your insurance policy is intended for larger claims.
  • Performance makes a difference – The make and model of the vehicle you are buying insurance for makes a significant difference in how high your rates are. The most favorable rates are for small economy passenger cars, but the final cost of insurance is determined by many other factors.
  • Pay less after the wedding – Having a wife or husband can actually save you money on your policy. It is viewed as being more responsible and it’s proven that drivers who are married are more cautious.
  • Little extras can really add up – There are many additional coverages that you can get tricked into buying on your car insurance policy. Insurance for roadside assistance, accidental death and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so eliminate the coverages to reduce your premium.

But I want to work with a local agent

A small number of people prefer to talk to a local agent and that is a personal choice. Agents can point out coverage gaps and give you peace of mind. One of the great benefits of comparing insurance prices online is you can get better rates but still work with a licensed agent. Buying from local agencies is important particularly in Pascagoula.

To make it easy to find an agent, after completing this quick form, your coverage information is emailed to agents in your area who will return price quotes for your insurance coverage. There is no need to visit any agencies due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!

Multiple types of insurance agents in Pascagoula

When searching for a reputable insurance agent or broker, you must know there are a couple different types of agents that you can select. Insurance agencies in Pascagoula are categorized either captive or independent (non-captive). Both types can do a good job, but it’s worth mentioning the differences since it can impact buying decisions.

Independent Agencies or Brokers

Independent insurance agents are not locked into one company so they have the ability to put coverage with many different companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and that require little work on your part.

When comparing rates, you should always contact several independent insurance agents for maximum quote selection. They also have the ability to place coverage with smaller regional carriers which can save you money.

Listed below are independent agencies in Pascagoula that may be able to provide pricing information.

  • Crisis Management Agency – 1307 Jackson Ave – Pascagoula, MS 39567 – (228) 762-7688
  • Hawkins Insurance – 2911 Shortcut Rd – Pascagoula, MS 39567 – (228) 762-7625
  • Gary Smith Agency Inc – 1964 Market St – Pascagoula, MS 39567 – (228) 762-7511
  • Milling Insurance – 2534 Old Mobile Ave – Pascagoula, MS 39567 – (228) 769-7065
Agency Captives

This type of agents have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. These agents are not able to place coverage with different providers so always compare other rates. Captive agencies are very knowledgeable on their company’s products and that can be a competitive advantage. Consumers often purchase coverage from captives mostly because of high brand loyalty and solid financial strength.

The following is a short list of captive agents in Pascagoula that are able to give price quotes.

  • State Farm Insurance – 1403 Jackson Ave # A – Pascagoula, MS 39567 – (228) 762-8088

For a full directory of captive agents in Pascagoula, visit this site.

Choosing an auto insurance agent requires more thought than just the price. Ask your prospective agent these questions:

  • Does the company allow you to choose your own collision repair facility?
  • Do they feel the quoted coverages are adequate?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do they review policy coverages at every renewal?
  • Does the agency support the community they serve?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Are you getting all the discounts the company offers?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

After getting satisfactory answers and an acceptable price quote, you have narrowed it down to a car insurance agent that will provide car insurance coverage.

More information is located on the Mississippi Insurance Department website. Click here for link. Mississippi consumers can learn about specific coverages, get help finding coverage, find a variety of consumer forms, and download brochures.

Other useful links include this online resource for free quotes in Mississippi and this link where you can get more info about Pascagoula coverage.

In Summary

Discount car insurance can be found from both online companies in addition to many Pascagoula insurance agents, so you should compare both to get a complete price analysis. Some car insurance companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

We just covered quite a bit of information on how to get a better price on car insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even find the most savings is with a company that doesn’t do a lot of advertising.