Car Insurance in Pearlington - 5 Discounts You Might be Unaware of

Buying the cheapest Pearlington car insurance on the web is rather challenging for consumers new to online price comaprisons. When there are so many online companies, how can consumers effectively compare the different rates to find the lowest price?

It's important to shop coverage around quite often since rates are constantly changing. Even if you got the lowest price two years ago you can probably find a better price now. Block out anything you think you know about car insurance because you're about to find out the only way to find the best coverage while lowering your premiums.

Pearlington car insurance quote

More discounts equal less premium

Car insurance companies don't necessarily list every available discount in a way that's easy to find, so we researched some of the more common and the harder-to-find ways to save on car insurance.

  • Braking Control Discount - Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Resident Student - Any of your kids who are attending college and do not have a car may be able to be covered for less.
  • Anti-theft System - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Lower Rates for Military - Having a family member in the military could mean lower rates.
  • Low Mileage - Driving fewer miles could be rewarded with better rates on cars that stay parked.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, car insurance companies aren't that generous.

To choose providers offering car insurance discounts in Pearlington, click this link.

Switch companies and save? Really?

Companies like Allstate and Progressive constantly bombard you with ads in print and on television. All the ads make the same claim about savings if you switch your coverage to them. How can each company make the same claim? This is how they do it.

Different companies have a preferred profile for the type of customer that makes them money. For instance, a preferred risk could be between 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who matches those parameters will get the preferred rates and therefore will save when they switch companies.

Consumers who do not match the requirements will be charged higher prices which leads to business going elsewhere. The ads state "drivers who switch" not "everyone that quotes" save that much money. This is how companies can truthfully state the savings. That is why you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will give you the biggest savings.

It's not one size fits all

When buying the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is unique.

Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Do I need PIP (personal injury protection) coverage in Mississippi?
  • What are Mississippi no-fault laws?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when pulling a rental trailer?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Even more information is located at the Mississippi Insurance Department website. Consumers can read consumer alerts, read enforcement actions against agents and companies, and view a list of available companies.

Pearlington car insurance comparison

Affordable insurance is out there

When buying insurance coverage, it's not a good idea to buy poor coverage just to save money. Too many times, drivers have reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Insureds switch companies for any number of reasons including policy cancellation, not issuing a premium refund, policy non-renewal or even unfair underwriting practices. It doesn't matter why you want to switch switching car insurance companies is easier than you think.

Cheap car insurance can be found from both online companies as well as from independent agents in Pearlington, so compare prices from both in order to have the best price selection to choose from. Some insurance companies don't offer online price quotes and many times these small, regional companies only sell through independent insurance agents.