Proven Techniques to Save on Chunky Car Insurance

Nobody cherishes buying car insurance, particularly when the price is too high.

You have multiple to buy insurance from, and although it's nice to have multiple companies, having more makes it harder to compare rates.

Save big with these discounts

Companies don't necessarily list every discount very clearly, so here is a list both the well known and also the lesser-known car insurance savings.

Federal Employees - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
Good Student - Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
Discount for Life Insurance - Some companies give a discount if you purchase auto and life insurance together.
Paperwork-free - A handful of insurance companies may give you up to $50 just for signing your application over the internet.
Distant Student - Children who live away from home and do not have access to a covered vehicle may qualify for this discount.

It's important to note that most credits do not apply to the entire policy premium. Most cut specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you're out of luck.

Why some people pay less for insurance in Chunky

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. Knowing what influences your rates allows you to make educated decisions that will entitle you to big savings.

The following are some of the factors companies use to determine prices.

More claims means more premium - If you file claims often, you can look forward to higher rates. Companies in Mississippi provide lower rates to drivers who file claims infrequently. Insurance coverage is intended for larger claims.
Bad driving skills means higher rates - Good drivers get better rates compared to drivers with tickets. Just one speeding ticket can increase rates twenty percent or more. If you have flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to file a SR-22 to the state department of motor vehicles in order to keep their license.
Where do you drive? - Driving more miles each year the higher your rate. Most companies charge to insure your cars based on their usage. Vehicles not used for work or commuting can get a lower rate than those used for commuting. Ask your agent if your car insurance coverage shows the proper vehicle usage, because it can save money.
Your spouse saves you money - Being married can get you a discount when buying car insurance. Having a significant other is viewed as being more mature and statistics show married couples file fewer claims.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Every situation is different and a cookie cutter policy won't apply. These are some specific questions may help highlight if your situation might need an agent's assistance.

Am I covered if I drive in a foreign country?
Should I buy only the required Mississippi minimum liability coverage?
What are the financial responsibility laws in Mississippi?
Does medical payments coverage apply to all occupants?
What are Mississippi no-fault laws?
Does my personal auto insurance policy cover using my vehicle for business use?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing that you can save after switching to them. How does each company claim to save you money? It's all in the numbers.

All the different companies have a certain "appetite" for the type of driver that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and has excellent credit. Any driver who fits that profile gets the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards will be quoted a higher premium which usually ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save money. That is how insurance companies can make those claims. This emphasizes why drivers should compare many company's rates. You cannot predict which company will have the lowest rates.

Additional Mississippi consumer information

Additional detailed information is available at the Mississippi Insurance Department website. Visitors are able to download brochures, file complaints about a company, file complaints about an insurance agent or broker, and get help finding coverage.

Do the work, save more money

We just presented a lot of tips how to reduce car insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from some of the smallest insurance companies. Regional companies often have lower prices on specific markets than their larger competitors like .

While you're price shopping online, never skimp on coverage in order to save money. There are too many instances where someone dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.