Top Ways to Save on Gautier Auto Insurance

Are you sick and tired of being strong-armed each month for car insurance? You are in the same boat as the majority of other car owners in Mississippi.

Big companies like State Farm, Allstate, GEICO and Progressive promote their brand names with ad campaigns and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to price shop coverage once or twice a year because insurance rates are constantly changing. If you had the best deal a year ago you can probably find a better price now. Starting now, forget all the misinformation about auto insurance because you're about to learn the proper way to lower your annual insurance bill.

If you are paying for car insurance now, you will be able to save some money using these methods. Buying car insurance in Gautier is quite easy. Nevertheless, Mississippi drivers do need to know the methods companies use to determine prices and take advantage of how the system works.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of the factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with big savings.

The list below includes some of the factors that factor into rates.

Sex matters - The statistics show women are more cautious behind the wheel. However, don't assume that men are WORSE drivers than women. They both tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get more serious tickets such as DWI and reckless driving.
More claims means more premium - Car insurance companies in Mississippi generally give cheaper rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to higher rates. Insurance coverage is designed for major claims that would cause financial hardship.
Equipment add-ons that lower auto insurance rates - Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Protect yourself with liability coverage - The liability section of your policy will protect you if ever a court rules you are at fault for damages caused by your negligence. It will provide legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
Higher safety ratings means cheaper insurance - Vehicles with good safety scores get lower rates. These vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
Rates may be lower depending on your job - Jobs such as doctors, social workers and dentists are shown to have the highest average rates in part from job stress and lots of time spent at work. Other professions such as farmers, historians and the unemployed pay the least.
Low deductibles can be expensive - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and windstorm damage. The deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The more money the insured has to pay upfront, the less your company will charge you for insurance.

Save big with these discounts

Car insurance companies don't always publicize all their discounts in a way that's easy to find, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.

Save over 55 - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
Drive Less and Save - Keeping the miles down can qualify you for a substantially lower rate.
More Vehicles More Savings - Insuring multiple cars or trucks with the same company qualifies for this discount.
Sign Online - A handful of insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
Military Discounts - Being deployed with a military unit can result in better rates.
No Claims - Claim-free drivers can earn big discounts as compared to accident-prone drivers.

It's important to understand that some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it doesn't quite work that way.

To choose companies with the best auto insurance discounts in Gautier, click here.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all seem to have a common claim of big savings if you move your policy. How can each company make almost identical claims? This is how they do it.

All the different companies can use profiling for the right customer that makes them money. An example of a desirable insured could possibly be over the age of 40, has no tickets, and has excellent credit. A driver that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.

Potential customers who fall outside the requirements will have to pay a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state "drivers who switch" not "people who quote" save that kind of money. That's why insurance companies can confidently make those claims. Because of the profiling, you should get as many comparisons as possible. It is impossible to predict the company that will have the lowest rates.

More Mississippi auto insurance information

More tips and info about auto insurance is available at the Mississippi Insurance Department website. Mississippi consumers can learn about insurance regulations, download brochures, view a list of available companies, and find out which companies have the most complaints.

The best insurance company isn't always the cheapest

While you're price shopping online, it's not a good idea to buy poor coverage just to save money. There are many occasions where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your aim should be to buy a smart amount of coverage for the lowest price.

Low-cost auto insurance is possible online in addition to many Gautier insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.