Techniques for Paying Less for Pearl Car Insurance Rates

If you are a novice to online car insurance shopping, you may be confused because of the huge number of companies all offering big savings in Pearl.

You need to do rate comparisons every six months since rates change frequently. Even if you think you had the lowest rates on your last policy a different company probably has better rates today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to one of the best ways to buy cheaper car insurance.

Don’t miss out on these money-saving discounts

Auto insurance companies don’t list every discount very clearly, so here is a list some of the best known and the harder-to-find discounts you could be receiving.

  • Homeowners Savings – Simply owning a home can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Distant Student – Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums.
  • Paperless Signup – A few companies may give you up to $50 for buying your policy online.
  • Memberships – Belonging to certain professional organizations could qualify you for a break when buying car insurance.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

To choose insurance companies who offer car insurance discounts in Pearl, click this link.

Which Car Insurance is Cheapest in Pearl?

Effectively comparing car insurance prices can be exhausting if you don’t know the most efficient way to do it. You can spend your afternoon discussing policy coverages with insurance agencies in Pearl, or you can utilize online quoting to quickly compare rates.

Many of the larger companies participate in an industry program where prospective buyers enter their policy data once, and each company can give them a price based on that information. This saves time by eliminating form submissions to every company.

To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to comparing rates this way is buyers cannot specifically choose which companies you will receive quotes from. If you prefer to choose specific providers for rate comparison, we have assembled a list of low cost car insurance companies in Mississippi. Click to view list.

Whichever way you use, ensure you’re using exactly the same information for every quote you compare. If your comparisons have different limits and deductibles on each one you can’t possibly find the best deal in Pearl. Having just a slight variation in coverage limits could mean much higher rates. It’s important to know that more quotes gives you a better chance of getting the best rates.

How your Pearl rates are determined

An important part of buying insurance is that you know the factors that come into play when calculating car insurance rates. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

  • Do you qualify for a multi-policy discount? – Some car insurance companies provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other company rates to ensure the best deal.
  • Lower rates with optional equipment – Owning a car with a theft deterrent system can save you a little every year. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Males pay more for insurance – The statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Men and women are in accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
  • Policy add-ons can waste money – There are many additional coverages that can waste your money when buying car insurance. Things like rental car reimbursement, accident forgiveness and additional equipment coverage are examples of these. They may seem like a good idea when you first buy your policy, but now you might not need them so remove them from your policy.
  • Claim-free discounts can add up – Companies in Mississippi give discounts to policyholders who do not file claims often. If you tend to file frequent claims, you can definitely plan on higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Liability coverage is peace of mind – Liability insurance is the protection when a jury decides you are liable for damages from an accident. Liability insurance provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • More miles equals more premium – The more you drive in a year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates than vehicles that are driven to work every day. Double check that your car insurance policy is rated on the correct driver usage.

Situations that might require an agent

When choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.price insurance in Pearl

These are some specific questions may help highlight whether or not you might need professional guidance.

  • When should my teen driver be added to my policy?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What discounts do I qualify for?
  • What should my uninsured motorist coverage limits be in Mississippi?
  • When would I need rental car insurance?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

What happened to insurance agents?

Some consumers just want to buy from a licensed agent and there is nothing wrong with that. One of the best bonuses of getting online price quotes is you may find the lowest rates but still work with a licensed agent.

By using this form (opens in new window), your insurance data is emailed to agents in your area who will return price quotes for your insurance coverage. You never need to leave your house due to the fact that quote results will go immediately to your email address. Now that’s easy! You can find the lowest rates and work with a local agent.

Picking an insurer should depend on more than just a cheap price. These are valid questions to ask:

  • Who is covered by the car insurance policy?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • What is the agency’s Better Business Bureau rating?
  • Can they provide you with a list of referrals?
  • What insurance companies do they recommend if they are an independent agent?

What types of insurance agents are in Pearl?

When researching a local agent, there are a couple of types of insurance agents from which to choose. Agents are categorized either captive or independent.

Captive Insurance Agents

These agents write business for a single company and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. Captives are well schooled in insurance sales which can be an advantage. Consumers frequently buy from captive agents primarily because of loyalty to the company and solid financial strength.

The following are Pearl captive insurance agencies that can give you comparison quotes.

  • Allstate Insurance – 3214 Service Dr # B – Pearl, MS 39208 – (601) 939-4865
  • State Farm Insurance – 401 Cross Park Dr # F – Pearl, MS 39208 – (601) 939-4224
Independent Agents

Independent agencies are not employed by any specific company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies. When comparing rates, it’s recommended you include price quotes from multiple independent agents for maximum quote selection.Most can insure with smaller regional carriers which can save you money.

Listed below is a list of independent agencies in Pearl that can give you rate quotes.

  • Strickland General Agency – 202 Spring Lake Cv – Pearl, MS 39208 – (601) 933-0056
  • Doug Pyron Insurance – 2706 Old Brandon Rd – Pearl, MS 39208 – (601) 932-1187
  • Andy Eaton Insurance – 3170 Highway 80 E – Pearl, MS 39208 – (601) 939-0102
  • Direct General Ins Agency – 2914b Highway 80 E – Pearl, MS 39208 – (601) 936-9060

To view a full list of insurance agents in Pearl, visit this site.

Upon receiving good answers to all your questions and locked in a price quote, you’ve probably found an insurance agency that can properly service your car insurance policy.

Slick advertising tricks that work

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads say the same thing that you’ll save big if you move your coverage to them. But how can every company make the same claim?

save money in Pearl Mississippi

Different companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a profitable customer could possibly be between the ages of 30 and 50, a clean driving record, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for this ideal profile will be charged more money and this can result in business not being written. The ad wording is “customers who switch” but not “drivers who get quotes” save that much. This is how companies can make those claims. That is why you need to compare as many rates as you can. It’s not possible to predict which insurance companies will have the lowest rates.

One last thing about your coverage

As you restructure your insurance plan, it’s a bad idea to reduce needed coverages to save money. There are many occasions where someone dropped comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price.

Lower-priced car insurance can be purchased on the web as well as from independent agents in Pearl, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

You just learned many ideas to shop for car insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the lowest premiums are with an unexpected company.

To learn even more about car insurance

More detailed Mississippi car insurance information is located at the Mississippi Insurance Department website. Mississippi drivers can read enforcement actions against agents and companies, learn about specific coverages, and file complaints about an insurance agent or broker.