Drew Auto Insurance For Less Than You're Paying Now

Finding lower premiums on Drew auto insurance is nearly impossible for consumers not familiar with comparison shopping online. Drivers have so many options available that it can quickly become a lot of work to find the best price in Drew.

It's important to shop coverage around once or twice a year because prices are constantly changing. If you had the best deal last year there is a good chance you can find better rates now. Starting right now, forget all the misinformation about auto insurance because you're going to get a crash course in the proper way to find better rates and still maintain coverage.

Tips to Get Lower Drew Rates

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Marriage pays dividends - Being married actually saves money when buying auto insurance. It translates into being more mature and statistics show drivers who are married are more cautious.
Too many auto insurance claims drive up costs - Car insurance companies in Mississippi provide cheaper rates to drivers who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Auto insurance is designed for major claims that would cause financial hardship.
Rates may be higher depending on your occupation - Jobs such as doctors, architects and dentists have the highest average rates due to high stress and lengthy work days. Other professions such as farmers, historians and the unemployed get better rates.
Save money with special equipment - Driving a car with a theft deterrent system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
Do you have enough liability coverage? - The liability section of your policy will protect you if ever a court rules you are at fault for personal injury or accident damage. It will provide legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Don't get talked into coverage you don't need - There are a lot of extra bells and whistles that you can buy on your auto insurance policy. Insurance for roadside assistance, towing coverage and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so eliminate the coverages to reduce your premium.
High credit ratings translate to low rates - Credit rating is a big factor in your rate calculation. People with high credit scores tend to be more responsible than drivers who have poor credit. So if your credit history can use some improvement, you could save money insuring your by improving your credit score.

Compare the Market for Auto Insurance in Drew

Reducing your insurance rates is surprisingly easy. Just take the time comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The fastest way to find low rates is to use a rate comparison form click to view form in new window. This method saves time by eliminating separate forms for every auto insurance company. Taking the time to complete one form gets you coverage quotes from several companies. It's the fastest way to compare.
A more difficult way to compare rate quotes consists of going to each individual company website to complete a price quote. For sake of this example, let's assume you want rates from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Drew, click here.
The least efficient way of comparing rate quotes is to spend time driving to local Drew insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the professional advice of a local Drew agent. You can, however, find lower rates online and still use a local agent. We'll cover that shortly.

Whichever way you use, double check that you are using exactly the same coverages with each company. If each company quotes different limits and deductibles on each one then you won't be able to make an equal comparison in Drew.

Take advantage of discounts

Companies that sell car insurance don't necessarily list all their discounts in a way that's easy to find, so here is a list both well-publicized and also the lesser-known auto insurance savings. If you aren't receiving every discount available, you are paying more than you should be.

Homeowners Pay Less - Owning a house in Drew may trigger a auto insurance policy discount because of the fact that having a home requires personal responsibility.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
Claim Free - Claim-free drivers can earn big discounts as compared to accident-prone drivers.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Organization Discounts - Participating in a civic or occupational organization could qualify you for a break on auto insurance.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, it just doesn't work that way.

To choose companies with the best auto insurance discounts in Drew, follow this link.

Are auto insurance companies telling the truth?

Mississippi consumers can't ignore all the ads for the lowest price auto insurance from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing that you can save if you move your coverage to them.

How can each company make almost identical claims? It's all in the numbers.

All companies can use profiling for the type of customer that makes them money. An example of a desirable insured could possibly be between 30 and 50, has no tickets, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" not "people who quote" save that much money. That's why insurance companies can advertise the savings. Because of the profiling, you need to get quotes from several different companies. It's impossible to know the company that will give you the biggest savings.

Additional detailed information is available at the Mississippi Insurance Department website. Mississippi consumers can get help finding coverage, download brochures, and read industry bulletins.

Best coverage at the best price

Affordable auto insurance is definitely available online as well as from independent agents in Drew, so compare prices from both to have the best chance of lowering rates. There are still a few companies who don't offer online price quotes and most of the time these smaller companies sell through independent agents.

Consumers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, high rates after DUI convictions or even questionable increases in premium. No matter why you want to switch, finding a new auto insurance company is easier than you think.

As you prepare to switch companies, it's not a good idea to reduce coverage to reduce premium. In many cases, an insured dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at the best price.