Hattiesburg Auto Insurance For Less Than You're Paying Now

Finding the most affordable Hattiesburg auto insurance on the internet may be impossible for consumers new to comparison shopping online. With so many choices of insurance companies available, how can you even start to compare the different rates to find the best available rates?

If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. The purpose of this post is to teach you how car insurance quotes work. But Mississippi vehicle owners do need to know the way companies price insurance differently and take advantage of how the system works.

How much can you save with discounts?

Companies don't always advertise every discount in a way that's easy to find, so here is a list some of the best known as well as the least known auto insurance savings.

Government Employees - Being employed by or retired from a federal job may qualify you for a discount with a few auto insurance companies.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out auto and life insurance together.
New Vehicle Savings - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
Use Seat Belts - Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
Paperwork-free - A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
Military Discounts - Having a deployed family member may qualify for rate reductions.
Senior Discount - Mature drivers may be able to get a discount up to 10%.
Drivers Ed for Students - Have your child successfully complete driver's ed class if it's offered in school.
Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
Theft Prevention System - Anti-theft and alarm systems help deter theft and will save you 10% or more.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, companies wouldn't make money that way.

To see a list of insurance companies who offer auto insurance discounts in Hattiesburg, follow this link.

How to Get Cheap Auto Insurance in Hattiesburg, MS

There are several ways to compare auto insurance quotes, but there is one way that is more efficient than others. You can waste a lot of time driving to agents in Hattiesburg, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and at least one company returns a competitive quote based on the submitted data. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only drawback to getting quotes like this is you can't choose which carriers to get quotes from. If you wish to select specific insurance companies for rate comparison, we have a page of auto insurance companies in Mississippi. Click to view list.

Whichever way you use, make sure you use exactly the same information for each comparison quote. If each company quotes higher or lower deductibles it's not possible to determine the lowest rate in Hattiesburg. Just a small difference in insurance coverages could mean much higher rates. And when comparing auto insurance rates, know that having more price comparisons will improve the odds of getting the best price.

Understand what determines the rate you pay

An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

The following are some of the factors that factor into prices.

High numbers of claims are not good - Companies in Mississippi provide cheaper rates to people who do not rely on their insurance for small claims. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.
Your location affects your rates - Residing in less populated areas can save you money when buying auto insurance. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. City drivers tend to have traffic congestion and much longer commute distances. Longer commute distances means higher likelihood of an accident.
Rate your vehicle for proper use - Driving more miles in a year's time the higher your rate. The majority of insurers price each vehicle's coverage based on how the vehicle is used. Vehicles not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
Always keep insurance in force - Allowing your auto insurance policy to lapse will be a quick way to bump up your auto insurance costs. Not only will rates go up, getting caught without coverage might get you a steep fine or even jail time.
Marriage pays dividends - Being married can get you a discount when buying auto insurance. Having a significant other usually means you are more mature than a single person and it's proven that married drivers get in fewer accidents.

How much car insurance do I need?

When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your insurance needs might need an agent's assistance.

Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
Why am I be forced to buy a membership to get insurance from some companies?
What are the financial responsibility laws in Mississippi?
Should I put collision coverage on all my vehicles?
Who is covered when they drive my vehicle?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

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

Auto insurance providers like Progressive, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing that you'll save big after switching your policy. How can each company say the same thing?

All the different companies have a preferred profile for the right customer that is profitable for them. An example of a driver they prefer might be profiled as between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will be quoted higher prices which usually ends up with business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that kind of money. This is how companies can advertise the way they do. This emphasizes why drivers must compare many company's rates. It's not possible to predict which insurance companies will provide you with the cheapest rates.

Shop smart and save

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, being labeled a high risk driver or an unsatisfactory settlement offer. It doesn't matter what your reason, choosing a new insurance company is actually quite simple.

When shopping online for auto insurance, it's a bad idea to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

Budget-conscious auto insurance can be purchased on the web in addition to many Hattiesburg insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.

Learn more about auto insurance in Mississippi

More detailed Mississippi auto insurance information is available at the Mississippi Insurance Department website. Mississippi drivers can download brochures, view agent and company licensing information, and file complaints about an insurance agent or broker.