Top Ways to Save on Flora Auto Insurance

Having to pay for overpriced auto insurance can overdraw your savings account and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket. Drivers have multiple to buy insurance from, and even though it's nice to be able to choose, it can be more challenging to compare rates.

It's important to take a look at other company's rates yearly since insurance rates are constantly changing. Even if you got the best price last year you can probably find a better price now. Ignore everything you know about auto insurance because we're going to demonstrate the tricks you need to know to find great coverage at a great price.

Finding affordable coverage in Flora is not that difficult. If you have car insurance now, you should be able to lower your premiums substantially using this information. Mississippi consumers only need to know the proper way to compare prices over the internet.

Flora Rates are Influenced by These Factors

Consumers need to have an understanding of the rating factors that help determine auto insurance rates. Knowing what impacts premium levels enables informed choices that may reward you with lower auto insurance prices.

The following are a few of the "ingredients" auto insurance companies consider when setting rates.

  • Where you reside plays a part - Residing in a rural area can be a good thing when buying auto insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Fewer drivers translates into fewer accidents.
  • More miles equals more premium - Driving more miles in a year's time the more you will pay for auto insurance. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Autos left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance coverage shows the proper vehicle usage.
  • Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Jobs such as lawyers, executives and financial analysts tend to have higher average rates attributed to high stress levels and lengthy work days. Conversely, occupations like pilots, engineers and performers receive lower rates.
  • With age comes lower rates - Teenage drivers in Mississippi are known to be more careless when driving so they pay higher auto insurance rates. If you've ever had to add a youthful driver to your auto insurance policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • Discounts for married couples - Having a spouse can get you a discount on your auto insurance policy. It means you're more responsible and it's statistically proven that married drivers get in fewer accidents.

Mississippi auto insurance quotes

How much can you save with discounts?

Companies that sell car insurance don't list all their discounts very clearly, so we took the time to find some of the best known and the more hidden ways to save on auto insurance. If you're not getting every credit you deserve, you are paying more than you should be.

  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Own a Home - Owning a house in Flora may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • College Student - Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Sign Online - Certain companies give back up to $50 for buying your policy over the internet.
  • Drive Less and Save - Fewer annual miles can earn better rates on cars that stay parked.
  • Senior Discount - If you're over the age of 55, you may be able to get better auto insurance rates.
  • Payment Method - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

To choose companies who offer auto insurance discounts in Mississippi, click this link.

Save 15 percent in 15 minutes? Is it for real?

Mississippi drivers can't ignore all the ads for car insurance savings by GEICO, State Farm and Progressive. They all seem to make the same claim about savings after switching to their company.

How does each company say the same thing?

All companies have a preferred profile for the driver that makes them money. For example, a desirable insured might be profiled as between 25 and 40, has no prior claims, and drives newer vehicles. A propective insured who matches those parameters receives the best rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards will have to pay a higher premium which leads to business not being written. Company advertisements say "people who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully claim big savings. Because of the profiling, you should get quotes from several different companies. It's not possible to predict which insurance companies will give you the biggest savings.

How much car insurance do I need?

When buying the right insurance coverage for your personal vehicles, there isn't really a single plan that fits everyone. Each situation is unique so this has to be addressed. For example, these questions can help discover if your insurance needs would benefit from an agent's advice.

  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in Mississippi?
  • Why am I required to get a high-risk car insurance policy?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my personal policy cover me when driving my company car?
  • Is my vehicle covered for flood damage?
  • Does medical payments coverage apply to all occupants?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Learn more about auto insurance in Mississippi

Even more information can be found at the Mississippi Insurance Department website. Mississippi drivers can view agent and company licensing information, file complaints about an insurance agent or broker, read industry bulletins, and read enforcement actions against agents and companies.

Mississippi auto insurance quotes

And the best car insurance company is...

When trying to cut insurance costs, never buy poor coverage just to save money. In many instances, consumers will sacrifice physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy enough coverage at an affordable rate.

The cheapest auto insurance can be purchased on the web and also from your neighborhood Flora agents, so you should compare both to have the best selection. A few companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.