Things You Must Know Before Buying Hattiesburg, MS Car Insurance Online

People who are new to comparing insurance rates online will discover shopping for the lowest-priced Hattiesburg car insurance is not as easy as it seems.

If you have a policy now or are looking for a new policy, you can use this information to find better prices and still get good coverage. The purpose of this post is to help you learn how to get online quotes and some money-saving tips. Mississippi vehicle owners only need an understanding of the tricks to get comparison quotes over the internet.

How much can you save with discounts?

Companies that sell car insurance don’t always advertise every available discount in a way that’s easy to find, so we researched some of the more common as well as the least known ways to save on car insurance. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Paperless Signup – A handful of insurance companies may give you up to $50 simply for signing online.
  • Organization Discounts – Participating in certain professional organizations is a good way to get lower rates on car insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less than drivers with accident claims.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Auto/Life Discount – Some companies give better rates if you take out auto and life insurance together.
  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.

Drivers should understand that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of providers who offer car insurance discounts in Hattiesburg, follow this money in Hattiesburg MS

Is there truth in advertising?

Mississippi drivers can’t get away from ads that promise big savings from companies such as State Farm, GEICO and Progressive. All the companies say the same thing that you’ll save big if you switch your policy.

How do they all say the same thing?

Insurance companies have a preferred profile for the type of customer that earns them a profit. An example of a preferred risk might be between the ages of 30 and 50, a clean driving record, and has a high credit rating. Any driver that hits that “sweet spot” receives the best rates and as a result will probably pay quite a bit less when switching companies.

Drivers who fall outside the “perfect” profile will be charged higher rates which leads to business not being written. The ads state “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can confidently claim big savings. That is why drivers should get a wide range of price quotes. It is impossible to predict the company that will have the lowest rates.

For more Mississippi car insurance information

More tips and info about car insurance can be read at the Mississippi Insurance Department website. Mississippi drivers can learn about insurance regulations, read state legal mandates and laws, find out which companies have the most complaints, and file complaints about an insurance agent or broker.

price insurance in Mississippi

Better coverage you can count on

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone dropped liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate.

Cost effective car insurance can be bought on the web in addition to many Hattiesburg insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Drivers leave their current company for a number of reasons such as delays in responding to claim requests, denial of a claim, delays in paying claims or high rates after DUI convictions. Whatever your reason, finding the right car insurance provider is actually quite simple.