Car Insurance in Cleveland, MS - 5 Tips to Save Money

Finding lower premiums on Cleveland car insurance is difficult for beginners to comparison shopping online. People have so many companies to choose from that it can be a big hassle to find the best price in Cleveland.

Take advantage of discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be requested specifically before you will receive the discount. If you aren't receiving every discount available, you're paying more than you need to.

  • Memberships - Being a member of a civic or occupational organization may earn a discount when buying car insurance.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Life Insurance Discount - Companies who offer life insurance give better rates if you take out life insurance from them.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will reduce your overall premium however.

To see a list of insurers who offer car insurance discounts in Cleveland, click here.

Compare Cleveland Car Insurance Costs

Finding cheaper car insurance prices is surprisingly easy. Just spend a few minutes to compare rate quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  • The best way to find low rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do boring form submissions for each company. In just a few minutes this one form gets rate comparisons from all major companies.It's the quickest way to get rates.
  • A more time consuming way to compare rate quotes is spending the time to visit each individual company website to request a price quote. For instance, let's assume you want rates from , and . You would have to go to every website and enter your policy data, which is why the first method is more popular. To view a list of companies in Cleveland, click here.
  • The most time-consuming way to get comparison rates is to spend your day driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. It is possible to obtain prices from the web and still use a local agent and we'll cover that in a bit.

However you get your quotes, ensure you're using exactly the same information for each price quote. If you are comparing higher or lower deductibles it's not possible to truly determine the lowest rate in Cleveland.

Are car insurance companies telling the truth?

Consumers in Mississippi can't get away from ads for the lowest price auto insurance from the likes of Allstate, GEICO and Progressive. All the companies have a common claim about savings after switching your coverage to them.

How can each company claim to save you money?

Different companies can use profiling for the type of customer that is profitable for them. An example of a profitable customer might be between the ages of 40 and 55, is a homeowner, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when they switch companies.

Drivers who don't qualify for the requirements must pay higher premiums and this can result in the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that much money. That's why companies can truthfully state the savings.

This illustrates why drivers must quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.

Best coverage at the best price

Cheap car insurance can be purchased both online as well as from independent agents in Cleveland, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don't offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Drivers change insurance companies for a number of reasons such as questionable increases in premium, high rates after DUI convictions, delays in paying claims or policy cancellation. No matter why you want to switch, choosing a new insurance company is actually quite simple.

As you restructure your insurance plan, it's a bad idea to reduce coverage to reduce premium. In too many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Additional information is available on the Mississippi Insurance Department website located here. Visitors are able to find out which companies have the most complaints, download brochures, and file complaints about an insurance agent or broker.