7 Tips to Save on Car Insurance in Goodman Mississippi

Are you sick and tired of not being able to afford each month for car insurance? You're in the same situation as many other Mississippi drivers.

Having so many companies and agents to choose from, it can be hard to pick the cheapest car insurance company.

More discounts equal less premium

Companies do not advertise every discount very well, so we took the time to find some of the more common and the more hidden discounts you could be receiving.

  • Driver's Ed - Have your child successfully complete driver's ed class if it's offered in school.
  • Employee of Federal Government - Being employed by or retired from a federal job can earn a discount up to 10% with a few car insurance companies.
  • New Car Discount - Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • Early Switch Discount - A few companies offer discounts for switching to them before your current expiration date. It's a savings of about 10%.
  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Memberships - Belonging to a professional or civic organization may earn a discount when shopping for car insurance.
  • Multiple Vehicles - Having multiple vehicles on the same car insurance policy could earn a price break for each car.

A little note about advertised discounts, some credits don't apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you could get a free car insurance policy, you won't be that lucky.

To see a list of insurance companies who offer car insurance discounts in Mississippi, click here.

compare Goodman car insurance rates

How to Compare Goodman Car Insurance Rates

Most companies provide price estimates directly from their websites. Getting quotes is quite simple as you simply type in into the quote form. Once you submit the form, their rating system will obtain your driving record and credit report and generates a price based on these and other factors. This streamlines rate comparisons, but the time required to go to each company's website and repetitively enter the same data into a form can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible if you want to find a lower rate.

The preferred way to lower your car insurance bill is to use a quote form that gets prices from many companies. It's a real time-saver, requires less work, and makes online quotes much simpler. After sending your information, it gets priced and you can select any or none of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and enter your information. If you currently have coverage, we recommend that you enter the coverages as close as possible to your current policy. This makes sure you will have comparison quotes based on the exact same insurance coverage.

Switch companies and save? Really?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all have a common claim about savings after switching your coverage to them. But how can every company make the same claim?

Different companies can use profiling for the type of customer that is profitable for them. For example, a driver they prefer could be a mature driver, is a homeowner, and has great credit. Any new insured that hits that "sweet spot" receives the best rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will be quoted higher rates and this can result in business going elsewhere. Company advertisements say "people who switch" not "everyone that quotes" save that much money. That's why companies can truthfully advertise the savings. This emphasizes why drivers must get a wide range of price quotes. It's just too difficult to predict the company that will fit your personal profile best.

The best insurance company isn't always the cheapest

When you buy insurance online, don't be tempted to reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.

Cheaper car insurance can be bought from both online companies as well as from independent agents in Goodman, and you need to price shop both to get a complete price analysis. There are still a few companies who don't offer the ability to get a quote online and these regional insurance providers work with independent agents.

Even more information can be found at the Mississippi Insurance Department website. Consumers can download brochures, read industry bulletins, read enforcement actions against agents and companies, and file complaints about a company.

Additional helpful sites include this site for car insurance rates in Mississippi and this list of insurance agents in Goodman, MS.