Best Way to Find the Cheapest Clarksdale Auto Insurance

Saving money on Clarksdale auto insurance is nearly impossible for people who are new to buying insurance online. People have so many options available that it can quickly become a ton of work to locate the lowest price in Clarksdale.

Compare Clarksdale Auto Insurance Costs

There are several ways of comparing price quotes and find the best price. The recommended way to find the lowest rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form click to view form in new window. This method saves time by eliminating boring form submissions to each individual auto insurance company. In just a few minutes this one form will return quotes from all major companies. It's the fastest way to compare.

A more difficult way to get quotes online is to take the time to go to the website for every company you want to comare to complete a price quote. For sake of this example, let's assume you want rates from , and . To find out each rate you need to spend time on each company's site and enter your information, which is why most consumers use the first method. To view a list of companies in Clarksdale, click here.

It doesn't matter which method you choose, just ensure you're using exactly the same coverages and limits with each company. If you enter different deductibles it will be next to impossible to make an equal comparison in Clarksdale. Just a small difference in coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons will increase your chances of finding a lower rate.

Understand what determines the rate you pay

It's important that you understand some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in big savings.

Safe vehicles cost less to insure - Vehicles with good safety scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders.
More claims means more premium - Auto insurance companies in Mississippi provide cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Insurance coverage is designed for major claims that would cause financial hardship.
Clean credit earns discounts - A driver's credit score is a large factor in your rate calculation. So if your credit history is lower than you'd like, you could be paying less to insure your by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit.
Save money with special equipment - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Liability coverage is cheap - Liability insurance will protect you if a court rules you are at fault for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
Your occupation can affect rates - Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, architects and dentists are shown to have the highest average rates attributed to high stress levels and lots of time spent at work. Other professions such as farmers, historians and homemakers pay the least.
Are you male or female? - The statistics show women are more cautious behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
Careful drivers pay lower rates - Whether or not you get tickets has a huge affect on how much you pay. Only having one ticket may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than bad drivers. Drivers with serious tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state DMV in order to continue driving.

Save big with these discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be requested specifically before you will receive the discount.

Military Discounts - Having a deployed family member could mean lower rates.
Employee of Federal Government - Simply working for the federal government may qualify you for a discount depending on your company.
Air Bag Discount - Vehicles equipped with air bags can qualify for discounts of 20% or more.
Payment Discounts - If you pay your bill all at once rather than paying monthly you could save 5% or more.
Club Memberships - Participating in a civic or occupational organization could qualify you for a break when buying auto insurance.
No Claims - Claim-free drivers pay less when compared with frequent claim filers.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will reduce your overall premium however.

For a list of insurers offering auto insurance discounts in Clarksdale, follow this link.

Additional information can be read on the Mississippi Insurance Department website through this link. Mississippi consumers can find disaster information, download brochures, and find out industry alerts.

Final considerations

Cheaper auto insurance is available online in addition to many Clarksdale insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

Consumers switch companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, poor customer service and questionable increases in premium. Whatever your reason, finding the right auto insurance provider is not as hard as you think.

You just read a lot of tips how to lower your auto insurance rates. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the best prices are with a company that doesn't do a lot of advertising.