How to Find the Cheapest Brandon Auto Insurance

Finding lower premiums on Brandon auto insurance is challenging for consumers not familiar with shopping for insurance online. You have so many companies to choose from that it can quickly become more work than you anticipated to locate the lowest price in Brandon.

It's important to price shop coverage once or twice a year since insurance rates are constantly changing. Just because you found the best price a few years ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you're about to find out how to use online quotes to buy cheaper auto insurance.

If you have a current auto insurance policy or need new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. The purpose of this article is to instruct you on how to effectively get price quotes. Mississippi drivers only need an understanding of the most effective way to get comparison quotes over the internet.

Learn How to Buy Auto Insurance Cheaper

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Having a good understanding of what determines base rates helps enable you to make changes that may reward you with better auto insurance rates.

The following are a few of the "ingredients" that factor into rates.

  • Drive less and save money - Driving more miles every year the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage determined by how the vehicle is used. Vehicles that are left in the garage qualify for better rates than those used for commuting. Verify your auto insurance coverage is rated on the proper vehicle usage.
  • Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • 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 are running into the backend of another car, collision with an animal, and windstorm damage. Your deductibles are how much you are required to spend before your auto insurance pays a claim. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.
  • Don't cancel a policy without a new one in place - Allowing your auto insurance policy to lapse will be a guaranteed way to increase your auto insurance rates. Not only will you pay more, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • Occupation reflects on rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, architects and dentists are shown to have the highest average rates in part from job stress and long work hours. Other professions such as farmers, historians and performers pay the least.
  • Better credit scores mean better rates - Credit history is a huge factor in your rate calculation. So if your credit is not that good, you could save money insuring your by improving your credit score. Consumers who have high credit ratings tend to be less risk to insure than drivers with lower credit scores.
  • Choose a safe vehicle and save - Safer cars are cheaper to insure. These vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.

Mississippi auto insurance quotes

Take advantage of discounts

Companies that sell car insurance don't always list all their discounts in a way that's easy to find, so we took the time to find some of the best known and the harder-to-find auto insurance savings. If you aren't receiving every discount available, you are paying more than you should be.

  • New Vehicle Savings - Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Homeowners Pay Less - Owning a house in Brandon may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • No Claims - Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.

Consumers should know that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way.

To choose companies who offer auto insurance discounts in Brandon, follow this link.

Are auto insurance companies telling the truth?

Mississippi drivers can't ignore all the ads for the lowest price auto insurance from companies such as GEICO, State Farm and Progressive. They all seem to say the same thing of big savings after switching your policy.

How can each company say the same thing? This is how they do it.

Different companies can use profiling for the right customer that makes them money. For example, a desirable insured might be profiled as a mature driver, has no tickets, and drives less than 7,500 miles a year. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Drivers who don't qualify for the requirements will have to pay a higher premium which usually ends up with business not being written. The ad wording is "drivers who switch" not "people who quote" save that kind of money. That's why insurance companies can confidently advertise the way they do. Because of the profiling, you should get quotes from several different companies. It's not possible to predict the company that will provide you with the cheapest rates.

More tips and info about auto insurance can be found at the Mississippi Insurance Department website. Mississippi drivers can file complaints about an insurance agent or broker, view a list of available companies, and report car insurance fraud.

compare Brandon auto insurance rates

Best coverage at the best price

When shopping online for auto insurance, it's a bad idea to buy poor coverage just to save money. In many instances, an insured dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price.

Consumers change insurance companies for any number of reasons including delays in paying claims, unfair underwriting practices, an unsatisfactory settlement offer or even being labeled a high risk driver. No matter why you want to switch, switching auto insurance companies is easier than you think.

Cost effective auto insurance can be sourced on the web in addition to many Brandon insurance agents, and you need to price shop both to have the best selection. Some auto insurance companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.