Proven Techniques to Save on Kosciusko Car Insurance

I can't think of a single person who looks forward to paying for car insurance, particularly when the cost is way too high. Companies like GEICO and Progressive continually bombard you with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

Safer cars cost less to insure - Cars with high safety ratings tend to have better insurance rates. The safest vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.
Bad driving skills means higher rates - Drivers who don't get tickets receive lower rates compared to drivers with tickets. Only having one speeding ticket can bump up the cost twenty percent or more. If you have flagrant violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
Men pay higher rates - Statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men have accidents in similar percentages, but the men have costlier accidents. Men also statistically have more aggressive citations like DUI and reckless driving. Young males are several times more likely to be in an accident and are penalized with high car insurance rates.
Your car insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for car insurance? Careers like lawyers, executives and dentists have the highest average rates attributed to high stress and lengthy work days. Other occupations like scientists, historians and performers get better rates.

Car Insurance Comparison Rates in Kosciusko, MS

Reducing your insurance rates isn't really that difficult. Consumers just need to take a couple of minutes getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

The fastest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form saves time by eliminating a different quote for every car insurance company. Just one form will get you rate comparisons .
A slightly less efficient method to shop for car insurance online requires you to visit the website of each company to complete a price quote. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in Kosciusko, click here.
The hardest method to get comparison rates is to spend your day driving to insurance agents' offices. Shopping for car insurance online eliminates the need for an insurance agent unless you prefer the professional advice of a local Kosciusko agent. Drivers can find lower rates online but buy from a local insurance agent and you'll learn how to do that later.

It's up to you how you get prices quotes, just be sure to compare exactly the same coverage information with each company. If you use unequal deductibles or liability limits it will be next to impossible to make an equal comparison in Kosciusko.

Policy discounts you shouldn't miss

Auto insurance companies don't necessarily list every discount in a way that's easy to find, so we took the time to find both the well known and the more hidden ways to save on car insurance. If you aren't receiving every discount you qualify for, you are paying more than you should be.

Lower Rates for Military - Having a family member in the military may qualify for rate reductions.
Good Student - This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
Federal Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
Homeowners Savings - Simply owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like it's possible to get free car insurance, it just doesn't work that way.

To choose insurance companies who offer car insurance discounts in Kosciusko, click this link.

Save $429 a year? Really?

Consumers in Mississippi can't ignore all the ads for cheaper car insurance from the likes of State Farm, Allstate and GEICO. They all make the same claim that you can save after switching your coverage to them.

How can each company claim to save you money?

All companies have a certain "appetite" for the type of customer that makes them money. For example, a driver they prefer might be between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.

Potential insureds who don't qualify for the requirements will be quoted more money which leads to the customer not buying. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That is how insurance companies can advertise the way they do. This emphasizes why you need to quote coverage with many companies. You cannot predict which company will provide you with the cheapest rates.

Insurance agents can help

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions may help highlight whether your personal situation will benefit from professional help.

Do I have coverage when using my vehicle for my home business?
Do I need to file an SR-22 for a DUI in Mississippi?
Should I put collision coverage on all my vehicles?
Why am I required to get a high-risk car insurance 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 it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Additional detailed information can be found at the Mississippi Insurance Department website. Visitors are able to find disaster information, file complaints about a company, learn about insurance regulations, and read industry bulletins.

In the end, you save

We just presented some good ideas how to compare car insurance prices online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from a company that doesn't do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like .

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. There have been many situations where someone dropped physical damage coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.