Finding Cheaper Meridian Auto Insurance

No one in their right mind likes paying for auto insurance, in particular when their premiums are through the roof. Lots of contend to insure your vehicles, and it can be difficult to compare rates to find the lowest rate

If you have insurance now or are shopping for new coverage, you can follow these tips to find the best rates and possibly find even better coverage. Finding affordable coverage in Meridian is quite easy. Mississippi drivers only need an understanding of the proper way to compare prices online.

How much can you save with discounts?

Companies offering auto insurance don't always advertise every discount in an easy-to-find place, so we break down both well-publicized as well as the least known auto insurance savings. If they aren't giving you every credit you qualify for, you're paying more than you need to.

Lower Rates for Military - Having a deployed family member could mean lower rates.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
Low Mileage Discounts - Driving fewer miles can earn lower rates on the low mileage vehicles.
Memberships - Participating in certain professional organizations could qualify you for a break when shopping for auto insurance.
Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
Theft Prevention System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
Accident Forgiveness - A few companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, companies don't profit that way.

To see a list of insurance companies offering auto insurance discounts in Meridian, follow this link.

Meridian Auto Insurance Quote Comparison

There are several ways to shop for auto insurance, but one way is easier and takes less work. You can waste a lot of time talking to insurance companies in Meridian, or you could save time and use online quoting to get pricing more quickly.

Many insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each company provides a quote based on the submitted data. This eliminates the need for 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 cannot specify which carriers to get quotes from. If you would rather choose specific insurance companies to compare rates, we have a listing of auto insurance companies in Mississippi. Click here for list of insurance companies in Mississippi.

Whichever way you use, make absolute certain that you use the exact same coverages and limits for every quote you compare. If each company quotes different deductibles it's impossible to determine the best price in Meridian.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. Understanding what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

Listed below are a few of the "ingredients" used by your company to calculate prices.

Your car's features help determine rates - Owning a car with an alarm system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent your car from being stolen.
Do you know you're credit rating? - Having a bad credit score is a important factor in determining your rates. If your credit history is lower than you'd like, you could pay less to insure your by repairing your credit. People with high credit scores tend to be more responsible than drivers with poor credit.
Careful drivers pay lower rates - Even one moving violation can bump up the cost by as much as thirty percent. Drivers who don't get tickets have lower premiums than bad drivers. If you have serious violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
Choose a safe vehicle and save - Vehicles with good safety scores are cheaper to insure. The safest vehicles protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you.

How much car insurance do I need?

When choosing adequate coverage for your vehicles, there is no cookie cutter policy. Everyone's situation is a little different so your insurance needs to address that. For example, these questions might point out if your insurance needs would benefit from an agent's advice.

Am I covered when pulling a rental trailer?
Does my insurance cover a custom paint job?
Can I rate high risk drivers on liability-only vehicles?
Is my nanny covered when driving my vehicle?
Are rental cars covered under my policy?
Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

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

Mississippi consumers can't get away from ads for cheaper car insurance from the likes of State Farm, Allstate and GEICO. They all say the same thing of big savings if you switch your coverage to them.

How do they all make almost identical claims?

All the different companies have a certain "appetite" for the type of customer that is profitable for them. For example, a driver they prefer could possibly be between 25 and 40, owns a home, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" but not "drivers who get quotes" save that much money. That is how insurance companies can confidently advertise the savings. This emphasizes why drivers must get a wide range of price quotes. It's impossible to know which company will fit your personal profile best.

Best coverage at the best price

When you buy insurance online, you should never reduce coverage to reduce premium. There have been many situations where an insured cut uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

You just read many ways to compare auto insurance prices online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even discover the most savings is with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

For more Mississippi car insurance information

More tips and info about auto insurance can be found at the Mississippi Insurance Department website. Mississippi consumers can view a list of available companies, find out industry alerts, file complaints about a company, and find disaster information.