New Tricks for Buying Natchez Auto Insurance for the Lowest Rate

Are you overwhelmed by the wide range of auto insurance options in Natchez? Lot’s of other consumers are too. Consumers have so many choices that it can turn into a real hassle to compare prices.

How to Compare Auto Insurance in Natchez, Mississippi

Finding a better price on auto insurance is not a difficult process. Drivers just need to invest a little time getting comparison quotes online from several insurance companies. This can be done in several different ways.

  1. The fastest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This form eliminates the need for separate quotation requests for each company you want a rate for. Just one form will get you rate comparisons from several companies. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to get comparison quotes requires you to visit each company website and complete a new quote form. For instance, we’ll assume you want to compare Progressive, Farmers and GMAC. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular.

    For a list of links to insurance companies in Natchez, click here.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples quote information on every quote you get. If you use different limits and deductibles on each one it will be impossible to make a fair comparison in Natchez.

These discounts can lower your rates

Car insurance companies do not list all available discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find auto insurance savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Homeowners Discount – Owning a home in Natchez can help you save on auto insurance because maintaining a house shows financial diligence.
  • Multi-policy Discount – When you have multiple policies with the same company you may save at least 10% off all policies.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • E-sign – A few companies may give you up to $50 simply for signing on their website.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.Mississippi insurance prices

Different people need different coverages

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

  • Are my friends covered when driving my vehicle?
  • When should I not file a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when pulling a rental trailer?
  • Does my insurance cover my expensive audio equipment?
  • Does my insurance cover a custom paint job?
  • Does my liability insurance cover pulling a trailer or camper?
  • What are the best liability limits?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

More tips and info about auto insurance can be found at the Mississippi Insurance Department website. Mississippi drivers can read consumer alerts, read industry bulletins, and file complaints about a company.

Other informative sites include Auto Insurance 101 and this page on

Natchez car insurance quote

Online plus local equals savings

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The ultimate goal is to find the BEST coverage at the best price while not skimping on critical coverages.

You just learned a lot of information how to get a better price on auto insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the most savings is with a smaller regional carrier.

Consumers change insurance companies for a number of reasons such as not issuing a premium refund, high prices, extreme rates for teen drivers or even policy cancellation. Regardless of your reason for switching companies, finding a new auto insurance company can be less work than you think.