Car Insurance in Columbia, MS - 10 Discounts You Might be Missing

Overpriced car insurance can dwindle your personal savings and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill.

Numerous battle for your business, and because of this it can be hard to compare to find the absolute lowest rate

Save big with these ten discounts

Companies don't always publicize all available discounts in an easy-to-find place, so we break down both the well known and also the lesser-known savings tricks you should be using.

Multi-car Discount - Insuring more than one vehicle on one policy can get a discount on all vehicles.
Accident Waiver - A few companies allow you one accident without raising rates so long as you haven't had any claims for a certain period of time.
Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Defensive Driver - Taking a defensive driving course could cut 5% off your bill depending on where you live.
Auto/Home Discount - When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
Passive Restraints - Vehicles equipped with air bags or automatic seat belts can get savings up to 30%.
Student Driver Training - Require your teen driver to enroll in driver's education in school.
Government Employees - Simply working for the federal government can earn a discount up to 10% depending on your company.
Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Military Rewards - Being on active duty in the military could mean lower rates.

Keep in mind that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn't work that way.

For a list of insurers offering car insurance discounts in Columbia, click here to view.

How to Lower Your Car Insurance Cost in Columbia, Mississippi

There are several ways to get quotes from local Columbia car insurance companies. The recommended way to find the lowest rates is to get quotes online. This can be accomplished in several different ways.

One of the best ways to get quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating separate quotation requests for each company. One form submission compares rates from car insurance companies with the best prices.

A more time consuming way to get quotes online is going to each individual company website to complete a price quote. For example, we'll assume you want comparison quotes from , and . You would have to visit each site and enter your information, which is why the first method is quicker.

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

The least recommended way to compare rates is to waste gas driving to insurance agents' offices. The internet makes this process obsolete unless you want the professional advice of a licensed agent. However, consumers can compare online quotes and still use a local agent and we'll cover that in a bit.

It's up to you which method you use, but ensure you are comparing the exact same coverage limits and deductibles with each company. If you compare different liability limits you can't possibly make an equal comparison in Columbia. Quoting even small variations in limits can make a big difference in price. Just remember that quoting more will increase your chances of finding the best rates.

Affordable insurance is out there

Affordable car insurance can be found both online and with local Columbia insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that it was a big mistake. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

We just covered some good ideas how you can get a better price on car insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from a small mutual company. These companies can often insure niche markets at a lower cost than their larger competitors like .