Tested Tricks for Cheap Clarksdale Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, many Clarksdale consumers feel financially strained by their auto insurance policy.

There is such a variety of insurers to buy insurance from, and even though it’s nice to have multiple companies, it can be more difficult to compare company pricing.

You should make it a habit to shop coverage around periodically because insurance rates change regularly. Despite the fact that you may have had the best price a couple years back the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about auto insurance because it’s time to teach you the fastest and easiest way to find better rates and still maintain coverage.

This information will introduce you to how car insurance quotes work and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Although Mississippi drivers must understand the way insurance companies compete online because it can help you find the best coverage.

Auto Insurance Prices in Clarksdale, Mississippi

Most major insurance companies allow you to get coverage price quotes directly from their websites. Getting online quotes is fairly straightforward as you just type in your personal and coverage information as requested by the quote form. Once entered, their rating system makes automated requests for reports for credit and driving violations and provides a quote. This helps simplify price comparisons, but having to visit several different sites and complete many quote forms can get tiresome after awhile. But it’s very important to compare as many rates as possible if you want to find better auto insurance pricing.

A quicker way to find cheaper rates is to use a quote form to obtain quotes from more than one company. This type of form saves time, requires less work, and makes rate comparisons much more efficient. After your information is entered, your coverage is rated and you can select any or none of the quote results.

If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and may result in a nice savings.

To save time and get comparison pricing now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you input deductibles and limits as shown on your current policy. This guarantees you will get an apples-to-apples comparison based on identical coverages.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Some trigger automatically when you complete an application, but some must be specifically requested prior to receiving the credit.

  • Multi-policy Discount – If you insure your home and vehicles with the same company you may earn 10% to 20% off each policy.
  • No Charge for an Accident – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • No Claims – Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less than their less cautious counterparts.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.

It’s important to understand that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will help reduce the amount you have to pay.

But I want to work with a local agent

Certain consumers would rather talk to a local agent and there is nothing wrong with that. The biggest benefit of comparing insurance prices online is you can get the lowest rates and still have an agent to talk to. And supporting local agencies is definitely important in Clarksdale.compare rates in Clarksdale MS

For easy comparison, once you complete this short form, your insurance data is transmitted to participating agents in Clarksdale who will return price quotes for your insurance coverage. You never need to visit any agencies because quoted prices will be sent straight to your inbox. How’s that for easy! You can find better rates and an insurance agent to talk to.

Captive and independent Clarksdale auto insurance agents

When finding an insurance agent, you must know there are a couple types of agencies to choose from. Agencies in Clarksdale can either be independent (non-captive) or captive.

Independent Agents

Independent insurance agents are not employed by any specific company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When comparing rates, it’s recommended you include price quotes from at least one independent agent for the best price selection.

The following is a short list of independent insurance agencies in Clarksdale who can help you get price quotes.

Bob Bobo Insurance – 89 Delta Ave # 101 – Clarksdale, MS 38614 – (662) 624-6548
Rosatti Insurance Svc Inc – 160 Delta Ave – Clarksdale, MS 38614 – (662) 621-2333

Captive Agents

These agents can only write with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their company’s products which can be an advantage.

Listed below are captive insurance agents in Clarksdale that are able to give price quote information.

Allstate Insurance – 215 Sharkey Ave – Clarksdale, MS 38614 – (662) 624-4814
State Farm Insurance – 1015 Lee Dr – Clarksdale, MS 38614 – (662) 627-7215

For a complete listing of auto insurance agents in Clarksdale, please click here.

Deciding on a car insurance agent should depend on more than just the price. Any agent should be forthright in answering these questions:

Mississippi car insurance quote

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Which members of your family are coverage by the policy?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are they properly licensed to sell insurance in Mississippi?
  • What is the agency’s Better Business Bureau rating?

Once you have received positive feedback to these questions and an affordable coverage quote, most likely you have located an insurance agent that will properly service your auto insurance policy.

Lower the Price of Insurance with These Tips

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for auto insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get better auto insurance rates.

The list below includes some of the factors used by your company to calculate your rates.

  • Lower deductibles cost more – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more the insured has to pay upfront, the less your company will charge you for insurance.
  • Optional equipment can affect rates – Owning a car with a theft deterrent system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • The more you drive the more you pay – The more you drive in a year’s time the more you will pay for auto insurance. Almost all companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
  • Don’t let your coverage lapse – Allowing your auto insurance policy to lapse is a guaranteed way to pay more for auto insurance. And not only will your rates increase, failure to provide proof of insurance may earn you a revoked license or a big fine.
  • Better crash test results mean better rates – Safer cars get lower rates. Safe vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates.
  • Do you need the policy add-ons? – There are quite a few extra coverages that you can buy if you aren’t careful. Coverages for rental car reimbursement, towing coverage and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
  • Pay less after the wedding – Having a spouse can actually save you money on your policy. Having a spouse is viewed as being more mature and statistics show drivers who are married are more cautious.

Cheaper insurance is a realistic goal

Cheap auto insurance can be bought online and also from your neighborhood Clarksdale agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.

Throughout this article, we presented some good ideas how you can get a better price on auto insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. They can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.

More information can be read on the website for the Mississippi Insurance Department found here. Visitors are able to get help finding coverage, learn about insurance regulations, and view a list of available companies.