9 Simple Methods to Reduce Car Insurance Costs in Carrollton, MS

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, many Carrollton consumers feel financially strained by their car insurance policy.

Numerous battle for your business, so it can be very hard to choose a and uncover the absolute lowest price

Are you getting all your discounts?

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so we break down some of the more common and the harder-to-find ways to save on car insurance.

Fewer Miles Equal More Savings - Low mileage vehicles can earn better rates on cars that stay parked.
Memberships - Belonging to certain professional organizations could trigger savings when buying car insurance.
Braking Control Discount - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
55 and Retired - Mature drivers may receive better car insurance rates.
Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
Auto/Life Discount - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
Student Driver Training - Have your child enroll in driver's education if offered at their school.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% depending on your company.

As a disclaimer on discounts, many deductions do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like it's possible to get free car insurance, car insurance companies aren't that generous.

To see a list of insurers with discount car insurance rates in Carrollton, click this link.

How to Compare Carrollton Car Insurance Costs

Most companies such as 21st Century, Allstate and State Farm provide coverage prices online. Getting quotes is pretty painless as you just enter the coverage amounts you desire as detailed in the form. Once you submit the form, their rating system will obtain credit information and your driving record and provides a quote. Quoting online helps simplify price comparisons, but the work required to visit several different sites and complete many quote forms is repetitive and time-consuming. But it's very important to do this if you want to find the best price on car insurance.

The preferred way to find better car insurance pricing is to use a quote form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes quoting online much easier. As soon as the form is sent, it gets priced with multiple companies and you can pick any of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and complete the simple form. To compare your current rates, we recommend you enter the limits and deductibles identical to your current policy. This makes sure you will receive comparison quotes based on the exact same insurance coverage.

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

21st Century, Allstate and State Farm consistently run ads on television and other media. All the companies make the same claim about savings if you change to their company. How do they all make the same claim? This is how they do it.

All companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer could be between the ages of 30 and 50, has no tickets, and chooses high deductibles. Any new insured who matches those parameters gets the lowest rates and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile must pay a higher premium which leads to business going elsewhere. Company advertisements say "drivers who switch" not "everybody who quotes" save that much. That's the way companies can truthfully state the savings. This illustrates why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

The best insurance company isn't always the cheapest

Cheap car insurance can be sourced from both online companies and also from your neighborhood Carrollton agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Even more information can be found at the Mississippi Insurance Department website. Consumers can find disaster information, find out which companies have the most complaints, read consumer alerts, and read enforcement actions against agents and companies.