Finding Low-Cost Bay St Louis Auto Insurance

No one in their right mind enjoys paying for auto insurance, in particular when they are paying too much.

With consumers having so many choices of insurance companies, it is hard for the average consumer to pick the right company.

It's important to price shop coverage periodically because prices are constantly changing. Just because you had the best rates a few years ago you can probably find a lower rate today. There is a lot of wrong information about auto insurance online, so I'm going to show you some great ways to find affordable auto insurance.

Mississippi auto insurance quotes

Bay St Louis Auto Insurance Comparisons

Most companies provide coverage price quotes on the web. This process doesn't take a lot of time as you just type in your personal and coverage information as detailed in the form. When the form is submitted, the company's rating system will obtain information on your driving record and credit history and returns pricing information determined by many factors. This makes it a lot easier to compare rates but the time it takes to visit different websites and type in the same information is repetitive and time-consuming. But it's very important to do this if you want to find better auto insurance pricing.

A quicker way to compare rates uses one form that obtains quotes from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online much more efficient. As soon as you send your information, it gets priced and you can choose any or none of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend you complete the form with the coverages as close as possible to your current policy. This ensures you will receive an apples-to-apples comparison for similar insurance coverage.

These discounts can lower your rates

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.

  • Bundle and Save - When you combine your home and auto insurance with one insurance company you may earn approximately 10% to 15%.
  • Early Signing - Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Payment Discounts - By paying your policy upfront instead of paying each month you could save 5% or more.
  • Memberships - Participating in a professional or civic organization may earn a discount on auto insurance.
  • Multi-car Discount - Buying coverage for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, some credits don't apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

To see a list of companies offering auto insurance discounts in Mississippi, click here.

Different people need different coverages

When choosing coverage for your vehicles, there really is no cookie cutter policy. Everyone's situation is a little different and your policy should reflect that. For instance, these questions may help highlight whether you might need an agent's assistance.

  • What are the best liability limits?
  • Does my car insurance cover rental cars?
  • Why am I required to buy high-risk coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Additional Mississippi consumer information

Additional information can be read on the website for the Mississippi Insurance Department located here. Mississippi consumers can view agent and company licensing information, learn about specific coverages, file complaints about a company, and view a list of available companies.

Additional helpful sites include Wikipedia and this Bay St Louis agent directory.