Compare Olive Branch Mississippi Car Insurance Cheaper With These Tricks

Feel like you’re a prisoner to overpriced car insurance? Believe me when I say many Olive Branch consumers feel financially strained by their car insurance policy.

Many car insurance companies vie for your business, so it’s not easy to compare every insurer to find the absolute lowest cost out there.

It’s important to price shop coverage periodically due to the fact that insurance rates change quite often. If you had the best deal on your last policy the chances are good that you can find a lower rate today. Don’t believe everything you read about car insurance online, so I’m going to show you some guaranteed methods to stop overpaying for insurance.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Buying car insurance in Olive Branch is not that difficult. But Mississippi car owners can benefit from knowing the methods companies use to sell insurance online and apply this information to your search.

Discounts are great for lower rates

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but a few need to be inquired about in order for you to get them.

  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than less cautious drivers.
  • No Accidents – Drivers who don’t have accidents can earn big discounts when compared to accident-prone drivers.
  • Clubs and Organizations – Being a member of certain professional organizations could trigger savings on car insurance.

Drivers should understand that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurers with the best car insurance discounts in Mississippi, follow this link.

Do I just need basic coverages?

When it comes to buying the best car insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. For instance, these questions might point out whether your personal situation would benefit from professional advice.

  • Do I need motorclub coverage?
  • Are rental cars covered under my policy?
  • Does my vehicle need full coverage?
  • Should I sign the liability waiver when renting a car?
  • Do I need added coverage for expensive stereo equipment?
  • Why is insurance for a teen driver so high in Olive Branch?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of insurance image

Buying car insurance locally

Certain consumers prefer to sit down with an agent and that is a personal choice. One of the great benefits of comparing rates online is the fact that you can find lower rates and still have an agent to talk to. And supporting local businesses is definitely important in Olive Branch.

After filling out this form (opens in new window), your insurance data is transmitted to local insurance agents who will return price quotes for your business. You won’t need to drive around due to the fact that quote results will go to your email. Now that’s easy! Get lower rates AND an agent nearby.

To view a list of agents in Olive Branch to contact, visit this site.

Deciding on an provider requires more thought than just the premium amount. Agents should be asked these questions:

  • What insurance companies do they recommend if they are an independent agent?
  • Which insurance companies are they affiliated with?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Will your rates increase after a single accident?
  • How much can you save by raising your physical damage deductibles?
  • Do they have any clout with companies to ensure a fair claim settlement?

Upon getting acceptable answers to any questions you have as well as a affordable price, you may have just found a company that can service your policy.

The fine print in car insurance ads

Companies like State Farm, Allstate and GEICO consistently run television and radio advertisements. All the ads say the same thing about savings if you change to their company. How does each company make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the driver that makes them money. A good example of a preferred risk could possibly be over the age of 50, is a homeowner, and drives newer vehicles. A driver who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Potential customers who don’t measure up to the “perfect” profile will be charged higher premiums and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save money. This is how insurance companies can confidently make the claims of big savings.

That is why it is so important to compare as many rates as you can. You cannot predict which company will provide you with the cheapest rates.

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Additional Mississippi car insurance resources

Much more information about car insurance in Mississippi is located on the website for the Mississippi Insurance Department through this link. Visitors are able to get help finding coverage, read consumer alerts, and learn about specific coverages.

Additional helpful sites include this page for car insurance in Mississippi and this list of insurance agents in Olive Branch, MS.

Final considerations

Lower-priced car insurance is attainable on the web and also from your neighborhood Olive Branch agents, so compare prices from both in order to have the best chance of saving money. Some car insurance companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

We just presented some good ideas how you can get a better price on car insurance. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from the smaller companies. These companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.