Car Insurance in Fulton Mississippi - 8 Tips to Save Money

Have you had enough of trying to scrape together enough money each month for car insurance? Your situation is no different than many other Mississippi drivers.

Drivers have multiple to buy insurance from, and although it's a good thing to have multiple companies, it can be more challenging to compare rates.

Buying car insurance in Fulton is easy if you know what you're doing. Basically, every vehicle owner who is required by state law to have car insurance stands a good chance to be able to lower their premiums. But Mississippi car owners do need to know how insurance companies price insurance differently and take advantage of how the system works.

Save big with these eight discounts

Companies offering auto insurance don't list all available discounts very clearly, so here is a list some of the more common as well as the least known discounts you could be receiving.

Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
Employee of Federal Government - Active or retired federal employment may qualify you for a discount depending on your company.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Student in College - Youth drivers who live away from home and do not have access to a covered vehicle may qualify for this discount.
Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Homeowners Pay Less - Owning a home in Fulton can save you money due to the fact that maintaining a home requires personal responsibility.
No Accidents - Claim-free drivers can earn big discounts when compared with drivers who are more careless.
Fewer Miles Equal More Savings - Fewer annual miles can qualify you for a substantially lower rate.

Consumers should know that some credits don't apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way.

Car insurance ads bend the truth

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies have a common claim that you'll save big after switching to their company. How does each company make the same claim?

All the different companies can use profiling for the driver that earns them a profit. An example of a profitable customer could be over the age of 50, is a homeowner, 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 switching.

Potential customers who fall outside these standards must pay a more expensive rate and this can result in business going elsewhere. The ads say "customers that switch" not "people who quote" save that much. That's why companies can advertise the way they do. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict the company that will provide you with the cheapest rates.

Learn more today

More detailed Mississippi car insurance information is available at the Mississippi Insurance Department website. Consumers can find disaster information, download brochures, view agent and company licensing information, and read enforcement actions against agents and companies.

Shop smart and save

Discount car insurance can be purchased from both online companies and also from your neighborhood Fulton agents, and you should be comparing both to have the best rate selection. Some car insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to find out that the savings was not a smart move. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.