Free Guide to Cutting Costs on Monticello Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer's remorse.

Numerous battle for your hard-earned dollar, so it can be very hard to choose a and uncover the absolute lowest price

It's important to take a look at other company's rates every six months because prices are constantly changing. If you had the best deal a couple years back you will most likely find a better rate today. So block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to reduce your cost while increasing coverage.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Most are applied at the time you complete a quote, but some must be asked about prior to getting the savings.

  • Sign Online - Some insurance companies may give you up to $50 for buying your policy on their website.
  • Clubs and Organizations - Being a member of certain professional organizations could qualify you for a break on auto insurance.
  • No Accidents - Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will cut the cost of coverage.

Are you falling for claims of savings?

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads on television and other media. They all seem to say the same thing about savings if you move to their company. How do they all claim to save you money?

Different companies are able to cherry pick for the driver that earns them a profit. An example of a desirable insured might be over the age of 40, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that much. That's the way companies can truthfully advertise the way they do.

Because of the profiling, you should quote coverage with many companies. It's impossible to know which auto insurance company will provide you with the cheapest rates.

Additional information is available on the website for the Mississippi Insurance Department located here. Visitors are able to get help finding coverage, find out which companies have the most complaints, read industry bulletins, and learn about insurance regulations.

Affordable insurance is out there

Cheaper auto insurance is definitely available both online and also from your neighborhood Monticello agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at a price you can afford.