Find Low-Cost Biloxi Auto Insurance

Are you intimidated by the crazy number of auto insurance company choices in Biloxi? Many other consumers are too. There are so many options that it can turn into a big hassle to find lower rates.

Finding the best rates in Biloxi is not that difficult. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Mississippi consumers only need to know the most effective way to buy auto insurance on the web.

Are you getting all your discounts?

Companies offering auto insurance do not advertise all available discounts very well, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using. If you don't get every credit possible, you're paying more than you need to.

  • Fewer Miles Equal More Savings - Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Memberships - Participating in a professional or civic organization is a good way to get lower rates when buying auto insurance.
  • Safety Course Discount - Completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Homeowners Discount - Owning a home in Biloxi can help you save on auto insurance because maintaining a house is proof that your finances are in order.
  • Discount for Swiching Early - Select companies give a discount for switching policies before your current expiration date. The savings is around 10%.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you can get free auto insurance, you won't be that lucky.

To see a list of insurers with discount auto insurance rates in Mississippi, click here to view.

auto insurance in Biloxi

How to Compare Auto Insurance in Biloxi, Mississippi

Most companies provide prices for coverage online. This process is fairly straightforward as you just enter the coverages you want as detailed in the form. Once you submit the form, the company's rating system will obtain your driving record and credit report and returns a price quote based on these factors.

This makes comparing rates easy, but the process of having to visit several different sites and fill out multiple forms can be a bit repetitive. But it's very important to perform this step if you want to find the best price on auto insurance.

The preferred way to lower your rates uses one form that gets prices from many companies. The form is fast, requires less work, and makes online quotes much more enjoyable. Once the form is submitted, it gets priced with multiple companies and you can pick any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and enter your information. If you currently have coverage, we recommend you replicate as close as possible to your current policy. This makes sure you will have rate comparison quotes based on the exact same insurance coverage.

What determines how much you pay?

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in lower auto insurance prices.

Shown below are a few of the "ingredients" companies use to determine premiums.

  • Higher safety ratings means cheaper insurance - Cars with high safety ratings can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Don't skimp on liability - Your policy's liability coverage provides coverage if a court rules you are at fault for damages from an accident. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Do you need those extra coverages? - There are quite a few extra coverages that you can get tricked into buying on your auto insurance policy. Things like rental car reimbursement, accidental death and motor club memberships may be costing you every month. These may sound like a good investment when talking to your agent, but if you don't need them remove them from your policy.
  • Careful drivers pay lower rates - Whether or not you get tickets has a big impact on rates. Only having one moving violation can increase rates by twenty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Do you know your deductibles? - Deductibles for physical damage represent how much money you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The higher the amount you're willing to pay, the less your auto insurance will be.
  • Better credit means lower rates - A driver's credit score is a huge factor in calculating your auto insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores. If your credit history is low, you could pay less to insure your by improving your rating.

How can 21st Century, Allstate and State Farm save drivers who switch?

Mississippi consumers can't get away from ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies make an identical promise about savings if you change to them.

But how can every company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the type of driver that is profitable for them. For example, a profitable customer could possibly be a mature driver, has no driving citations, and has a high credit rating. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile must pay higher rates and ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" not "everybody who quotes" save money. That's the way companies can truthfully state the savings. This illustrates why drivers must get a wide range of price quotes. It's impossible to know which auto insurance company will have the lowest rates.

Best coverage at the best price

The cheapest auto insurance is attainable online and with local Biloxi insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

You just read many tips how you can compare auto insurance prices online. It's most important to understand that the more companies you get rates for, the better your comparison will be. You may even discover the best price on auto insurance is with a lesser-known regional company.

As you restructure your insurance plan, don't be tempted to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Even more information can be found at the Mississippi Insurance Department website. Mississippi consumers can find disaster information, find out which companies have the most complaints, and discover disciplinary actions.

Additional helpful sites include this resource for Mississippi auto insurance prices and this page of Biloxi insurance agents.