Lower Online De Kalb Auto Insurance Prices With These Tricks

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies competing for business in De Kalb.

Be sure to get all your discounts

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be manually applied before being credited.

Service Members Pay Less - Having a deployed family member can result in better rates.
Multiple Policy Discount - When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
Anti-theft System - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Defensive Driving Course - Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

To see a list of insurance companies with the best auto insurance discounts in Mississippi, follow this link.

Finding Auto Insurance in De Kalb, MS

Shopping for lower auto insurance rates is a ton of work if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to local insurance agents in De Kalb, or you can utilize online quotes to get the quickest rates.

Many insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and at least one company provides a quote for coverage. This eliminates the need for repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is that consumers can't choose which carriers to get quotes from. If you would rather choose individual companies to request quotes from, we have assembled a list of low cost auto insurance companies in Mississippi. View list of Mississippi insurance companies.

Whichever way you use, make absolute certain that you use apples-to-apples coverages for each comparison quote. If you use different limits and deductibles on each one it will be next to impossible to determine the lowest rate in De Kalb. Just a small difference in limits may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes provides better odds of finding lower pricing.

De Kalb Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to better auto insurance rates.

Optional equipment can affect rates - Owning a car that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
Consolidate policies to earn discounts - The majority of companies provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare rates to ensure the best deal.
Small claims can cost you - Companies in Mississippi provide discounts to drivers who are claim-free. If you file claims often, you can look forward to higher rates. Car insurance is designed for larger claims.
Do you need the policy add-ons? - There are a lot of additional coverages that can waste your money on your auto insurance policy. Things like vanishing deductibles, accident forgiveness and term life insurance are examples of these. These coverages may sound good at first, but if they're wasting money remove them from your policy.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions might point out whether or not you might need professional guidance.

Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in De Kalb?
Does medical payments coverage apply to all occupants?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Is there truth in advertising?

Auto insurance providers like State Farm, Allstate and GEICO regularly use television and radio advertisements. They all say the same thing that you can save if you move to their company. But how can every company make almost identical claims?

Different companies have a certain "appetite" for the driver that is profitable for them. An example of a driver they prefer could possibly be between 30 and 50, owns a home, and drives less than 7,500 miles a year. A driver who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. That is how insurance companies can advertise the way they do.

This emphasizes why drivers must get as many comparisons as possible. It is impossible to predict which company will provide you with the cheapest rates.

Final considerations

Consumers who switch companies do it for many reasons like unfair underwriting practices, policy non-renewal, extreme rates for teen drivers or delays in responding to claim requests. Regardless of your reason, finding the right auto insurance provider is actually quite simple.

When shopping online for auto insurance, do not reduce coverage to reduce premium. There have been many situations where an insured cut comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Affordable auto insurance is definitely available online and also from your neighborhood De Kalb agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

More information is available on the Mississippi Insurance Department website through this link. Mississippi consumers can view a list of available companies, read consumer alerts, and download brochures.

Additional helpful sites include this page for auto insurance prices in Mississippi and this page of De Kalb insurance agents.