Getting the Cheapest Greenville Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, you're not the only one.

Big companies like GEICO and Progressive continually bombard you with TV and radio ads and it can be hard to sift through the bull and take the time to shop coverage around.

If you are paying for car insurance now, you will be able to save some money using these techniques. Choosing the best insurance company for you in Greenville is quite easy. Nevertheless, Mississippi consumers do need to know the way companies market on the web and take advantage of how the system works.

Don't pay full price with these discounts

Insurance can cost an arm and a leg, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but some must be asked about prior to getting the savings.

  • Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount when buying car insurance.
  • Military Rewards - Being deployed with a military unit can result in better rates.
  • Seat Belt Usage - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Federal Government Employee - Active or retired federal employment may qualify you for a discount depending on your company.
  • Save with a New Car - Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Passive Restraints - Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

It's important to understand that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it doesn't quite work that way. Any qualifying discounts will reduce your premiums.

The car insurance bait and switch

Allstate, GEICO and Progressive regularly use ads in print and on television. All the companies have a common claim of big savings if you move to them. How can each company claim to save you money? It's all in the numbers.

All the different companies are able to cherry pick for the type of driver that earns them a profit. An example of a profitable customer might be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. Any driver that hits that "sweet spot" will get very good rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements must pay a more expensive rate and this can result in the customer not buying. The ads say "customers who switch" not "everyone that quotes" save money. That's the way insurance companies can confidently advertise the way they do.

This illustrates why you should get as many comparisons as possible. You cannot predict which car insurance company will provide you with the cheapest rates.

Find out more about car insurance

Additional car insurance information is available on the website for the Mississippi Insurance Department found here. Visitors are able to find out which companies have the most complaints, find disaster information, find a variety of consumer forms, and read industry bulletins.

car insurance in Greenville

Affordable insurance is out there

Low-cost car insurance is definitely available both online and with local Greenville insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer 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 a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.