Easy Methods to Pay Less on Clinton Auto Insurance
Buying affordable Clinton auto insurance on the web can seem to be rather challenging for beginners to comparison shopping online. When there are so many online companies, how can consumers even start to compare every one to find the best pricing?
It's important to price shop coverage yearly since insurance rates are constantly changing. Just because you had the best rates a few years ago you can probably find a better price now. There is a lot of bad information regarding auto insurance on the web, but I'm going to show you some great ways to quit paying high auto insurance rates.
If you have insurance now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. This article will teach you the most effective way to quote insurance. Mississippi drivers only need an understanding of the proper way to compare company rates online.
Learn How to Buy Auto Insurance Cheaper
Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. Understanding what determines base rates helps enable you to make changes that may reward you with lower auto insurance prices.
Listed below are some of the items that factor into rates.
- More people means more accidents - Residing in a rural area can be a good thing when buying auto insurance. Less people living in that area means reduced accidents and a lower car theft rate. City drivers tend to have much more traffic to deal with and a longer drive to work. Longer commute distances means higher likelihood of an accident.
- Traffic citations inflate rates - Just one ticket may increase your cost forty percent or more. Drivers with clean records have lower premiums than bad drivers. Drivers who have serious citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
- Frequent auto insurance claims increase rates - Car insurance companies in Mississippi give better rates to policyholders who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
- Lower rates with optional equipment - Purchasing a vehicle with an alarm system can save you a little every year. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
- With age comes lower rates - More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers. Teenage drivers are statistically proven to get distracted easily when driving therefore auto insurance rates are much higher.
Be sure to get all your discounts
Companies offering auto insurance don't always advertise all their discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known ways to save on auto insurance. If they aren't giving you every credit you deserve, you are paying more than you should be.
- Auto/Life Discount - Larger companies have lower rates if you buy a life insurance policy as well.
- Bundle and Save - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
- Good Student Discount - This discount can get you a discount of up to 25%. The good student discount can last until age 25.
- Organization Discounts - Affiliation with certain professional organizations could trigger savings on auto insurance.
- Student Driver Training - Cut your cost by having your teen driver complete a driver education course in school.
- Payment Discounts - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- New Vehicle Savings - Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
It's important to understand that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it doesn't quite work that way.
To choose companies offering auto insurance discounts in Clinton, click this link.
Is there truth in advertising?
Mississippi drivers can't ignore all the ads for car insurance savings from companies such as GEICO, State Farm and Progressive. They all seem to make the same claim of big savings if you switch your policy.
How do they all say the same thing?
All companies have a preferred profile for the right customer that makes them money. A good example of a desirable insured might be profiled as between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.
Drivers who don't measure up to the "perfect" profile will have to pay a higher premium which leads to business not being written. The ads state "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, you should get a wide range of price quotes. It's not possible to predict which insurance companies will provide you with the cheapest rates.
How do I know if I need professional advice?
When buying coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.
For example, these questions can help discover whether or not you would benefit from an agent's advice.
- When does my teenage driver need to be added to my policy?
- What are the best liability limits?
- Why am I required to buy high-risk coverage?
- Am I getting all the discounts available?
- Is my cargo covered for damage or theft?
- What can I do if my company won't pay a claim?
- Should I file a claim if it's only slightly more than my deductible?
If it's difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.
Learn more about auto insurance in Mississippi
More tips and info about auto insurance can be read at the Mississippi Insurance Department website. Mississippi drivers can view agent and company licensing information, file complaints about a company, and download brochures.
A tidy conclusion
When shopping online for auto insurance, never buy poor coverage just to save money. In many instances, consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at a price you can afford.
In this article, we covered many ideas to save on auto insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the most savings is with the least-expected company.
Insureds switch companies for a number of reasons such as delays in paying claims, policy non-renewal, poor customer service or even questionable increases in premium. Regardless of your reason, choosing a new insurance company is easier than you think.