Tightwads Tips for Saving on Kiln Car Insurance

No one in their right mind likes having to buy car insurance, particularly when they are paying too much. Drivers have so many to pick from, and although it's a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices periodically due to the fact that insurance rates are constantly changing. Just because you had the lowest price a few years ago a different company probably has better rates today. Don't believe everything you read about car insurance on the internet, so I'm going to show you some great ways to find cheap car insurance.

How much can you save with discounts?

Car insurance companies don't always advertise all their discounts very clearly, so we researched both the well known as well as the least known savings tricks you should be using. If you're not getting every credit you qualify for, you are throwing money away.

Save with a New Car - Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
Good Student - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Senior Citizens - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
Homeowners Savings - Owning a house in Kiln can help you save on car insurance because owning a home shows financial diligence.

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you won't be that lucky.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Older drivers pay less - Youthful drivers in Mississippi are statistically proven to be more careless behind the wheel so they pay higher car insurance rates. If you've ever had to add a teen driver onto a policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and are safer drivers.
Performance makes a difference - The type of car you own makes a huge difference in determining your rates. The lowest rates are generally reserved for economy passenger cars, but the cost you end up paying is determined by many additional factors.
Bad driving skills means higher rates - Drivers who don't get tickets have lower premiums than bad drivers. Even one moving violation can bump up the cost twenty percent or more. Drivers who have serious citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Where you live can impact rates - Living in less populated areas can be a good thing when talking about car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.

How much car insurance do I need?

When it comes to buying the best car insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is a little different so your insurance should reflect that For example, these questions may help highlight if your insurance needs would benefit from professional advice.

Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?
Should I buy only the required Mississippi minimum liability coverage?
When does my teenage driver need to be added to my policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
When do I need to add a new car to my policy?

If you're not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.

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

Consumers in Mississippi get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings if you switch your coverage to them.

How does each company claim to save you money?

All the different companies have a certain "appetite" for the type of customer that earns them a profit. For instance, a desirable insured might be a mature driver, a clean driving record, and drives less than 7,500 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will have to pay higher prices and ends up with the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that much money. That is how companies can truthfully advertise the way they do. Because of the profiling, drivers should get as many comparisons as possible. You cannot predict which company will provide you with the cheapest rates.

Additional Mississippi consumer information

Even more information is located at the Mississippi Insurance Department website. Visitors are able to read enforcement actions against agents and companies, learn about specific coverages, file complaints about a company, and view agent and company licensing information.

Also read more on Auto Insurance 101 and this page where you can research Kiln insurance agents.

In the end, you save

When shopping online for car insurance, make sure you don't skimp on coverage in order to save money. There are many occasions where someone dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at a price you can afford.

We just presented some good ideas how you can reduce car insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper compared to the large companies like .

Cheaper car insurance is available both online as well as from independent agents in Kiln, and you need to price shop both so you have a total pricing picture. Some car insurance companies don't offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.