How to Know You're Wasting Money for Auto Insurance in Mooreville

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us when we tell you there are many people just like you.

There are many to buy insurance from, and although it's a good thing to have a selection, it makes it harder to compare rates.

Finding the best rates in Mooreville is easy if you know what you're doing. Just about every driver who is required by state law to have auto insurance should be able to lower their premiums. But Mississippi drivers do need to know the way insurance companies sell insurance online.

These discounts can lower your rates

Companies offering auto insurance don't always list every discount very clearly, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

Accident Free - Drivers with accident-free driving histories pay less when compared to bad drivers.
Homeowners Discount - Simply owning a home can help you save on auto insurance because owning a home demonstrates responsibility.
Discount for Good Grades - A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
Paperwork-free - A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
Payment Discounts - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
Save over 55 - Mature drivers may qualify for reduced rates.
Seat Belts Save - Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
Military Rewards - Being on active duty in the military could mean lower rates.

Drivers should understand that most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So when the math indicates adding up those discounts means a free policy, companies wouldn't make money that way.

To see a list of insurance companies offering auto insurance discounts in Mississippi, click here to view.

How to Compare Auto Insurance in Mooreville, Mississippi

Most companies like Progressive, Allstate and GEICO give prices for coverage on their websites. Getting online rates is fairly straightforward as you simply type in the coverages you want as detailed in the form. Once you submit the form, the company's rating system will obtain credit information and your driving record and returns pricing information. Quoting online makes comparing rates easy, but the time it takes to visit a lot of sites and type in the same information can be a bit repetitive. But it's very important to perform this step in order to get better auto insurance pricing.

The easy way to compare rates

The preferred way to lower your rates uses one simple form to obtain quotes from a lot of companies. The form is fast, eliminates form submissions, and makes online quotes much more efficient. As soon as you send your information, your coverage is rated and you can choose any one of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. This process can be completed in less than 10 minutes and you will know how your current rates stack up.

To save time and find out what other companies charge, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you type in just like they are on your policy. This makes sure you will have a fair comparison based on the exact same insurance coverage.

What determines how much you pay?

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Your occupation can affect rates - Did you know that where you work can have an impact on rates? Careers like real estate brokers, business owners and financial analysts tend to pay higher average rates because of stressful work requirements and long work days. Conversely, occupations such as actors, engineers and homemakers have the lowest average rates.
Do you know your deductibles? - Deductibles for physical damage define the amount you are willing to pay if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The more expense you're willing to pay, the less your auto insurance will be.
Traffic violations increase rates - A bad driving record has a lot to do with how much you pay for insurance. Even one ticket can increase rates by twenty percent. Good drivers have lower premiums than bad drivers. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with their state DMV in order to continue driving.
Pay less after the wedding - Getting married can actually save you money on your policy. Having a significant other is viewed as being more mature than a single person and it's proven that being married results in fewer claims.
Extra add-on coverages are wasting money - There are many extra coverages that can waste your money on your auto insurance policy. Coverages for rental car reimbursement, accident forgiveness and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don't need them eliminate them to save money.
Better credit means lower rates - Having a bad credit score is a important factor in calculating your auto insurance rates. If your credit history is lower than you'd like, you could pay less to insure your by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.

Are you falling for claims of savings?

Auto insurance providers like Progressive, Allstate and GEICO constantly bombard you with ads on television and other media. They all make an identical promise that you'll save big if you switch to them. How does each company make almost identical claims?

Insurance companies are able to cherry pick for the type of driver that is profitable for them. A good example of a driver they prefer could possibly be a mature driver, has no driving citations, and drives less than 7,500 miles a year. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards will be quoted a higher premium and ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save money. That's the way companies can advertise the way they do. This emphasizes why drivers must get as many quotes as possible. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Shop smart and save

Budget-conscious auto insurance is available online and with local Mooreville insurance agents, and you need to price shop both to have the best selection. Some auto insurance companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.

In this article, we presented many tips how you can compare auto insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with the least-expected company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as .

Learn more about Mississippi auto insurance

More detailed Mississippi auto insurance information can be read at the Mississippi Insurance Department website. Mississippi consumers can read industry bulletins, report car insurance fraud, file complaints about a company, and get help finding coverage.