Proven Techniques to Save on Hazlehurst Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are a lot of people in Hazlehurst just like you who feel imprisoned by their auto insurance policy. Companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with ads and it is difficult to sift through the bull and do the work needed to find the best deal.

If you have insurance now or need new coverage, you can use these techniques to find better prices and possibly find even better coverage. Finding affordable coverage in Hazlehurst is easy if you know what you're doing. Mississippi vehicle owners just need to know the proper way to compare company rates online.

Comprehensive Hazlehurst Auto Insurance Comparison Quotes

There are several ways to compare auto insurance prices and some are easier and takes less work. You could spend your day driving to insurance companies in Hazlehurst, or you can stay home and use the internet to get rates in a matter of minutes.

All the larger companies enroll in a system that allows shoppers to submit one quote, and each company returns a competitive quote determined by their information. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To submit your quote information now, click here (opens in new window).

The only drawback to pricing coverage this way is you cannot specify which companies to get quotes from. So if you want to select from a list of companies to compare rates, we have a page of the cheapest auto insurance companies in Mississippi. Click here for list of insurance companies in Mississippi.

Whichever method you choose, compare exactly the same coverage limits and deductibles with every price quote. If your comparisons have different liability limits you will not be able to find the best deal in Hazlehurst.

Hazlehurst Rates are Influenced by These Factors

It's important that you understand the factors that go into determining the price you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to much lower annual insurance costs.

Listed below are some of the factors auto insurance companies consider when setting prices.

  • Your job and insurance rates - Did you know that where you work can have an impact on rates? Careers like doctors, social workers and dentists tend to have the highest average rates in part from stressful work requirements and long work days. Other occupations like actors, historians and homemakers receive lower rates.
  • Don't buy coverages you don't need - There are many extra coverages that can waste your money on your auto insurance policy. Insurance for vanishing deductibles, accident forgiveness and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they're wasting money eliminate the coverages to reduce your premium.
  • How many coverages with the same company - Most insurance companies provide better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even though this discount sounds good, it's in your best interest to shop around to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Equipment add-ons that lower auto insurance rates - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Adjust deductibles and save - The deductibles define the amount you are willing to pay before your auto insurance pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be running into the backend of another car, collision with an animal, and burglary. The more money you are required to pay out-of-pocket, the less your auto insurance will be.
  • Older drivers save more - Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers. Teen drivers are statistically proven to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher.
  • Careful drivers pay lower rates - A bad driving record has a huge affect on how much you pay. Even one speeding ticket can boost insurance rates twenty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. If you have serious violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you can get discounts that many people don't even know exist. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested prior to getting the savings. If you aren't receiving every discount possible, you're just leaving money on the table.

  • No Accidents - Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
  • Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Theft Prevention Discount - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Payment Discounts - By paying your policy upfront rather than paying monthly you may reduce your total bill.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy qualifies for this discount.
  • 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.
  • Discount for Good Grades - Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
  • No Charge for an Accident - A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Seat Belt Usage - Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.

Drivers should understand that some credits don't apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will reduce the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Hazlehurst, click here.

Much more information about auto insurance in Mississippi is available on the website for the Mississippi Insurance Department. Click here for link. Mississippi consumers can read industry bulletins, discover disciplinary actions, read consumer alerts, and view a list of available companies.

auto insurance in Hazlehurst

In the end, you save

Budget-conscious auto insurance can be found online and also from your neighborhood Hazlehurst agents, so you should compare both to have the best rate selection. Some companies may not provide online quoting and these smaller companies work with independent agents.

While you're price shopping online, it's not a good idea to reduce needed coverages to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.