How to Know You're Spending Too Much for Auto Insurance in Coffeeville

Scraping up a payment for overpriced auto insurance can dwindle your savings account and make it impossible to make ends meet. Doing a price comparison is a great way to cut your insurance bill.

Having so many companies to choose from, it can be diffult for consumers to pick the most affordable insurer.

Buying car insurance in Coffeeville is easy if you know what you're doing. If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. But Mississippi drivers do need to know the way insurance companies price insurance differently.

How to Get Cheap Auto Insurance in Coffeeville, MS

There are several ways of comparing rate quotes from local Coffeeville auto insurance companies. The best method to find the lowest rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating multiple quote forms to each individual auto insurance company. A single, simple form gets rate comparisons from multiple low-cost companies.
  • A less efficient way to compare rate quotes is spending the time to visit each individual company website to complete a price quote. For sake of this example, let's assume you want comparison quotes from , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why the first method is quicker.

    To view a list of companies in Coffeeville, click here.

Whichever method you choose, make sure you use apples-to-apples information for every company. If you enter higher or lower deductibles you can't possibly decipher which rate is best in Coffeeville. Slightly different insurance coverages can result in a big premium difference. And when comparing auto insurance rates, know that comparing a large number of companies gives you a better chance of getting the best price.

Take advantage of discounts

Auto insurance companies do not advertise all available discounts very well, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving.

  • Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
  • Life Insurance Discount - Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Auto/Home Discount - When you combine your home and auto insurance with the same company you could get a discount of approximately 10% to 15%.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • Fewer Miles Equal More Savings - Fewer annual miles could qualify for a substantially lower rate.
  • Own a Home - Owning a home in Coffeeville can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Government Employees - Being employed by or retired from a federal job may qualify you for a discount depending on your company.
  • Claim Free - Drivers who don't have accidents pay less when compared with bad drivers.
  • Lower Rates for Military - Being deployed with a military unit may qualify for rate reductions.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.

Drivers should understand that some credits don't apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn't make money that way.

To see a list of insurers who offer auto insurance discounts in Mississippi, click here.

How to know if you need help

When choosing coverage for your personal vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's and your policy should reflect that. These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?
  • Am I covered if I wreck a rental car?
  • Does my policy cover my teen driver if they drive my company car?

If you can't answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Learn more about auto insurance in Mississippi

More detailed Mississippi auto insurance information can be read at the Mississippi Insurance Department website. Mississippi consumers can report car insurance fraud, view agent and company licensing information, file complaints about a company, and find out which companies have the most complaints.

Additional helpful sites include this page for Mississippi auto insurance and this page for help finding agents in Coffeeville, MS.