Tightwads Instructions on Saving on New Augusta Auto Insurance

Nobody likes paying for auto insurance, in particular when they are paying too much.

Lots of contend for your business, and it can be difficult to compare rates to find the absolute lowest rate

auto insurance in New Augusta

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all available discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.

  • Defensive Driving Course - Taking a course in driver safety can save you 5% or more depending on where you live.
  • Auto/Home Discount - When you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Accident Free - Good drivers with no accidents can earn big discounts when compared with frequent claim filers.
  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for discounted rates on garaged vehicles.
  • Good Student - Getting good grades can save 20 to 25%. The discount lasts up to age 25.

Keep in mind that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn't work that way.

For a list of insurers with the best auto insurance discounts in New Augusta, click here to view.

Finding Auto Insurance in New Augusta, MS

There are several ways to shop for auto insurance, and some are easier and takes less work. You can waste hours driving to insurance companies in New Augusta, or you could use the web to get pricing more quickly.

Most car insurance companies participate in an industry program that allows shoppers to enter their coverage request one time, and each company provides a quote based on that data. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is you cannot specify the companies to get pricing from. If you would rather choose individual companies to compare rates, we have assembled a list of companies who write auto insurance in Mississippi. View list of Mississippi insurance companies.

It's up to you which method you use, but make absolute certain that you use the exact same coverages on every quote you get. If you have different limits and deductibles on each one then you won't be able to determine which rate is truly the best in New Augusta. Quoting even small variations in limits can make a big difference in price. And when quoting auto insurance, remember that quoting more will increase your chances of finding lower pricing.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions might point out whether or not you would benefit from an agent's advice.

  • Do I really need UM/UIM coverage?
  • Am I covered when driving in Canada or Mexico?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in Mississippi?
  • Does my personal policy cover me when driving my company car?

If you're not sure about those questions, you might consider talking to an agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Final considerations

Affordable auto insurance is definitely available online and with local New Augusta insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.