5 Tricks to Save on Car Insurance in Laurel

Are you intimidated by the number of car insurance options in Laurel? You're not alone. People have so many options that it can turn into a ton of work to find lower rates.

It's important to get comparison quotes every six months since rates are constantly changing. Despite the fact that you may have had the best deal a year ago the chances are good that you can find a lower rate today. So block out anything you think you know about car insurance because we're going to show you the proper way to save on car insurance.

Be sure to get all your discounts

Car insurance companies don't always advertise every available discount very well, so here is a list some of the more common and the more hidden discounts you could be receiving.

  • Anti-theft System - Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Multiple Vehicles - Buying insurance for multiple vehicles on the same car insurance policy could earn a price break for each car.
  • Resident Student - Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.

Keep in mind that some credits don't apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free car insurance policy, it just doesn't work that way.

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

Laurel car insurance quote

Compare Quotes for Laurel Car Insurance

Effectively comparing car insurance prices can be a lot of work if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to local insurance agents in Laurel, or you can utilize the internet to get the quickest rates.

Many insurance companies participate in a marketplace that allows shoppers to send in one quote, and at least one company can give them a price based on that data. This prevents consumers from doing repetitive form submissions to each individual car insurance company.

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

The only downside to using this type of system is you don't know exactly which carriers you want to price. If you prefer to choose individual companies to receive pricing from, we have assembled a list of low cost car insurance companies in Mississippi. Click to view list.

Whichever method you choose, ensure you are comparing apples-to-apples coverage information on every quote. If you have unequal deductibles or liability limits it will be next to impossible to make a fair comparison in Laurel. Slightly different limits could mean much higher rates. Just remember that having more price comparisons provides better odds of finding the best offered rates.

Is there truth in advertising?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads have a common claim that you can save after switching your policy. But how can every company make the same claim?

Different companies are able to cherry pick for the right customer that is profitable for them. An example of a preferred risk could be over the age of 50, has no driving citations, and has excellent credit. Any new insured that hits that "sweet spot" will get very good rates and is almost guaranteed to save a lot of money.

Consumers who don't measure up to this ideal profile will be charged higher rates and this can result in business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that kind of money. That's the way insurance companies can make those claims. That is why drivers must get as many comparisons as possible. It's just too difficult to predict which car insurance company will have the lowest rates.

Affordable insurance is out there

While you're price shopping online, do not reduce coverage to reduce premium. Too many times, someone sacrificed liability limits or collision coverage only to find out they didn't purchase enough coverage. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Affordable car insurance can be bought from both online companies in addition to many Laurel insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Drivers change insurance companies for many reasons like policy cancellation, lack of trust in their agent, not issuing a premium refund or policy non-renewal. Regardless of your reason, finding the right car insurance provider is actually quite simple.

Additional detailed information is available at the Mississippi Insurance Department website. Consumers can read consumer alerts, report car insurance fraud, and read enforcement actions against agents and companies.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Laurel agent directory.