Confused by the sheer number of car insurance options in Ridgeland? You have a lot of company. There are so many choices that it can turn into a real hassle to locate the lowest price.
Insurance can cost an arm and a leg, buy you may qualify for discounts to cut the cost considerably. A few discounts will automatically apply at quote time, but some may not be applied and must be inquired about prior to receiving the credit. If you aren’t receiving every discount available, you’re just leaving money on the table.
A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way. Any amount of discount will cut your overall premium however.
Smart consumers have a good feel for the factors that go into determining the rates you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with big savings.
Listed below are a few of the “ingredients” car insurance companies consider when setting rates.
When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different.
These are some specific questions may help you determine whether you might need an agent’s assistance.
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.
Some consumers prefer to buy from a local agent and that is OK! Insurance agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing insurance prices online is you may find the lowest rates and still have an agent to talk to. Supporting local businesses is definitely important in Ridgeland.
After completing this form (opens in new window), the quote information gets sent to participating agents in Ridgeland who will return price quotes for your business. You don’t have to drive around because quoted prices will be sent to the email address you provide. How cool is that?!
If you’re trying to find local Ridgeland agents, you must know there are a couple different agency structures to choose from. Insurance agencies in Ridgeland can either be captive or independent (non-captive). While both can write coverage properly, but it’s important to know the differences because it can influence your selection of an agent.
These agents are not employed by any specific company so they can insure your vehicles 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, we recommend you include price quotes from multiple independent agents to get the best comparison. They also have the ability to place coverage with lesser-known insurance companies which can be an advantage.
Below are Ridgeland independent insurance agencies willing to provide competitive price quotes.
Captive agencies can only place business with one company such as Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so always compare other rates. Captive agencies are trained well in insurance sales which can be an advantage. Some consumers prefer to buy from captive agents mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
Below is a short list of captive insurance agents in Ridgeland who can help you get comparison quotes.
To view a full list of captive insurance agents in Ridgeland, simply jump to this page.
Deciding on a car insurance agent shouldn’t rely on just a low price. Some important questions to ask are:
Upon receiving reasonable responses to all your questions and a good coverage price, most likely you have located an insurance agent that can properly service your car insurance policy.
Consumers can’t ignore all the ads for cheaper car insurance by companies like Allstate and Progressive. All the ads have a common claim of big savings if you change to them.
How can each company make the same claim?
All companies have a preferred profile for the right customer that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and has a high credit rating. Any new insured who fits that profile will get the preferred rates and therefore will save a lot of money.
Potential insureds who are not a match for this ideal profile will have to pay higher rates and this can result in the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently state the savings.
Because of the profiling, you should compare as many rates as you can. Because you never know which insurance companies will provide you with the cheapest rates.
Additional car insurance information can be read on the Mississippi Insurance Department website. Click here for link. Consumers can find out industry alerts, find out which companies have the most complaints, and read consumer alerts.
Consumers who switch companies do it for many reasons like questionable increases in premium, high prices, policy cancellation or even lack of trust in their agent. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.
As you restructure your insurance plan, never buy less coverage just to save a little money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.
Discount car insurance is attainable on the web and with local Ridgeland insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer online quoting and these small insurance companies work with independent agents.