How to Find the Cheapest Marks Auto Insurance

If you've never shopped for auto insurance online, it's easy to be confused due to the large number of auto insurance companies competing for business in Marks.

It's important to compare prices occasionally because prices are constantly changing. Just because you found the best deal a year ago the chances are good that you can find a lower rate today. So forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to find lower rates on auto insurance.

Policy discounts you shouldn't miss

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specifically requested before being credited.

Bundle and Save - When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
Anti-theft System - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
Memberships - Being a member of a civic or occupational organization could qualify you for a break on auto insurance.
Claim Free - Good drivers with no accidents can earn big discounts as compared to bad drivers.
Sign Online - Some insurance companies may give you up to $50 just for signing your application digitally online.

It's important to note that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you're out of luck. But any discount will reduce the amount you have to pay.

To see a list of companies with discount auto insurance rates in Marks, follow this link.

Finding Auto Insurance Deals in Marks, MS

The are a couple different ways of comparing rates from different Marks insurance companies. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done in several different ways.

The best way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method keeps you from doing repetitive form submissions for each company. A single form gets you price quotes from multiple companies.It's the quickest way to get rates.
A slightly less efficient method to shop for auto insurance online requires a trip to the website for each individual company and fill out their own quote form. For example, let's say you want to compare , and . You would have to visit each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in Marks, click here.
The least efficient method of getting rate comparisons is to drive around to insurance agents' offices. Shopping for auto insurance online has reduced the need for local agents unless you prefer the professional advice of a licensed agent. You can, however, obtain prices from the web but buy from a local insurance agent. We'll cover that shortly.

Which method you use is up to you, but make absolute certain that you use exactly the same quote information for each comparison quote. If you compare mixed coverages it will be next to impossible to determine the lowest rate in Marks. Just a small difference in limits can result in a big premium difference. And when quoting auto insurance, remember that comparing a large number of companies will improve the odds of getting a better price.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

Rural vs Urban Areas - Living in a small town can be a good thing when talking about auto insurance. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. Urban drivers have much more traffic to deal with and longer commutes to work. More time commuting means higher likelihood of an accident.
How many coverages with the same company - Some companies will give a discount to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, you may still want to compare rates to verify if the discount is saving money.
Liability insurance protects assets - Your policy's liability coverage is the coverage that protects you if ever you are found liable for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Do you work long hours in a high stress job? - Jobs such as doctors, architects and dentists have the highest average rates attributed to high stress and long work hours. Other occupations like scientists, historians and retirees get better rates.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions might point out whether your personal situation may require specific advice.

What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Do I qualify for additional discounts?
Will I be non-renewed for getting a DUI or other conviction?
Does my liability insurance cover pulling a trailer or camper?
Are rental cars covered under my policy?
Am I covered when driving on a suspended license?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form.

Save $429 a year? Really?

Auto insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to say the same thing that you can save if you change your coverage to them. How can each company claim to save you money?

Different companies have a certain "appetite" for the type of customer that is profitable for them. An example of a desirable insured might be over the age of 50, owns a home, and has excellent credit. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't qualify for the requirements will have to pay higher prices which usually ends up with the customer not buying. The ads say "people who switch" but not "drivers who get quotes" save that much money. That is how insurance companies can make those claims.

Because of the profiling, drivers must compare as many rates as you can. It's impossible to know which company will have the lowest rates.

The best insurance company isn't always the cheapest

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured cut comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Lower-priced auto insurance can be sourced both online as well as from independent agents in Marks, and you should be comparing both in order to have the best price selection to choose from. Some companies don't offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

We covered a lot of information how to compare auto insurance prices online. It's most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the biggest savings come from a company that doesn't do a lot of advertising.

More information is available on the Mississippi Insurance Department website through this link. Visitors are able to view agent and company licensing information, read consumer alerts, and find out which companies have the most complaints.