Top 5 Ways to Get Lower Rates on Car Insurance in Como, MS

Are you intimidated by the dozens of car insurance choices in Como? Lot's of other consumers are too. People have so many options available that it can turn into a real challenge to find lower rates.

It's important to compare prices every six months since rates are constantly changing. Even if you think you had the lowest price a couple years back you can probably find a better price now. You'll find quite a bit of inaccurate information about car insurance online, so we're going to give you some great ways to quit paying high car insurance rates.

Mississippi car insurance

Save big with these 5 discounts

Companies offering auto insurance don't list every available discount in a way that's easy to find, so we researched both the well known as well as the least known discounts you could be receiving. If you aren't receiving every discount possible, you are paying more than you should be.

  • Discount for Good Grades - This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Organization Discounts - Being a member of a civic or occupational organization may earn a discount on your policy.
  • Service Members Pay Less - Being deployed with a military unit could be rewarded with lower premiums.
  • Federal Government Employee - Employees or retirees of the government can save as much as 8% with certain companies.
  • Life Insurance Discount - Some companies give better rates if you take out a life insurance policy as well.

Keep in mind that some credits don't apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. So even though it sounds like it's possible to get free car insurance, it just doesn't work that way.

To choose providers with discount car insurance rates in Como, click here.

Car insurance ads bend the truth

Consumers in Mississippi can't ignore all the ads that promise big savings by State Farm and Allstate. All the ads have a common claim that you can save if you change to their company.

How can each company claim to save you money?

All companies are able to cherry pick for the driver that makes them money. For instance, a preferred risk might be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will get very good rates and most likely will save when they switch companies.

Drivers who fall outside the requirements will be charged a higher premium and this can result in the customer not buying. The ads say "customers that switch" not "people who quote" save that much. That's the way insurance companies can advertise the way they do. That is why you should get as many quotes as possible. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Additional detailed information is located at the Mississippi Insurance Department website. Visitors are able to file complaints about a company, find out which companies have the most complaints, and find disaster information.

Best coverage at the best price

We just covered a lot of ways to save on car insurance. It's most important to understand that the more you quote, the better your comparison will be. You may be surprised to find that the best prices are with some of the lesser-known companies.

Affordable car insurance is attainable both online and also from your neighborhood Como agents, so compare prices from both to have the best selection. Some car insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

Drivers leave their current company for a number of reasons such as poor customer service, questionable increases in premium, delays in responding to claim requests or even high rates after DUI convictions. Whatever your reason, choosing a new insurance company is easier than you think.