Best Way to Find Low-Cost Pascagoula Car Insurance

Searching for the most affordable Pascagoula car insurance over the internet is rather challenging for consumers new to shopping for insurance online. When there are so many insurers to choose from, how can consumers have a chance to compare the different rates to find the cheapest rates?

It's important to check car insurance prices quite often due to the fact that insurance rates are constantly changing. If you had the lowest rates a couple years back you can probably find a better price now. Starting right now, ignore everything you know about car insurance because I'm going to teach you the tricks you need to know to save money, get proper coverage and the best rates.

Finding the best rates in Pascagoula is not that difficult. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Although Mississippi consumers do need to know how companies market on the web and use this information to your advantage.

What determines how much you pay?

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with big savings.

The list below includes a few of the "ingredients" companies use to determine rates.

  • With age comes lower rates - Youthful drivers in Mississippi tend to be more careless when driving so car insurance rates are higher. If you've ever had to add a youthful driver to your policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Men fork out a little more - Statistics have proven women tend to be less risk to insure than men. However, don't assume that women are better drivers. They both are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
  • More claims means more premium - If you are a frequent claim filer, you can expect higher rates. Car insurance companies in Mississippi award discounts to insureds who file claims infrequently. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
  • Bad driving skills means higher rates - Good drivers get better rates than people who have multiple driving citations. Even one moving violation can increase rates by as much as thirty percent. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Better credit means lower rates - Credit rating is a big factor in determining what you pay for car insurance. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. If your credit score can use some improvement, you could save money insuring your by improving your rating.

Pascagoula car insurance comparison

These discounts can lower your rates

Companies offering auto insurance don't list all their discounts very well, so we break down both the well known and also the lesser-known savings tricks you should be using.

  • College Student - Kids in college who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Senior Citizens - If you're over the age of 55, you can possibly qualify for reduced rates.
  • Government Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
  • Good Student Discount - This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Save with a New Car - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Passive Restraints - Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Military Rewards - Being on active duty in the military can result in better rates.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky.

To choose companies with the best car insurance discounts in Mississippi, click here to view.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on television and other media. They all seem to make an identical promise about savings if you move to them. But how can every company claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the type of driver that makes them money. For example, a desirable insured might be between 25 and 40, insures multiple vehicles, and drives less than 10,000 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who are not a match for this ideal profile will have to pay more money and ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save money. This is how companies can truthfully advertise the way they do. Because of the profiling, you should get as many quotes as possible. You cannot predict which insurance companies will provide you with the cheapest rates.

Different people need different coverages

When buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For instance, these questions may help you determine whether you would benefit from an agent's advice.

  • Why does it cost so much to insure a teen driver in Pascagoula?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in Mississippi?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Does my personal auto insurance policy cover using my vehicle for business use?

If you're not sure about those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

More sites with car insurance information

Even more information can be found at the Mississippi Insurance Department website. Visitors are able to read enforcement actions against agents and companies, learn about insurance regulations, and download brochures.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Pascagoula.

Pascagoula car insurance comparison

Affordable insurance is out there

As you go through the steps to switch your coverage, don't be tempted to buy poor coverage just to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best price.

People who switch companies do it for a variety of reasons including not issuing a premium refund, denial of a claim, extreme rates for teen drivers or even poor customer service. Regardless of your reason for switching companies, finding a new car insurance company is easier than you think.

We just presented many tips how you can save on car insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with some of the smallest insurance companies.