Petal Car Insurance For Less Than You're Paying Now

Shopping for cheap Petal car insurance on the web can be intimidating for consumers not familiar with online price comaprisons. Since there are so many companies in the marketplace, how can you have a chance to compare every company to locate the best price?

It's important to shop coverage around on a regular basis due to the fact that insurance rates are constantly changing. Just because you found the lowest rates two years ago a different company probably has better rates today. Starting now, ignore everything you know about car insurance because I'm going to teach you the tricks you need to know to find better rates and still maintain coverage.

These discounts can lower your rates

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.

  • Good Student Discount - Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • E-sign - Certain companies may give you up to $50 just for signing your application over the internet.
  • Multiple Cars - Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Resident Student - Any of your kids who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
  • Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.

Keep in mind that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you can get free auto insurance, it just doesn't work that way. But any discount will bring down the cost of coverage.

Mississippi car insurance

Tips to Get Lower Petal Rates

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get lower car insurance prices.

Shown below are a few of the "ingredients" used by your company to calculate your rates.

  • Bad driving skills means higher rates - Drivers who don't get tickets tend to pay less for car insurance than their less careful counterparts. Only having one speeding ticket can bump up the cost by as much as thirty percent. Drivers who get dangerous violations like DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
  • Discounts for married couples - Having a spouse helps lower the price on your car insurance policy. Marriage translates into being more mature it has been statistically shown that married drivers get in fewer accidents.
  • High deductibles save money - Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims would be running into the backend of another car, damage caused by hail, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The higher the amount you have to pay, the bigger discount you will receive.
  • Older drivers pay less - Youthful drivers in Mississippi have a tendency to be less responsible when driving so they pay higher car insurance rates. Adding a youthful driver onto a policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • Males pay more for insurance - Statistics have proven that women are safer drivers than men. Now that doesn't mean women are BETTER drivers than men. Women and men are in accidents in similar percentages, but men tend to have more serious accidents. Men also have more aggressive citations like DUI and reckless driving.
  • Better crash test results mean better rates - Cars with high safety ratings tend to have better insurance rates. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies and thus lower rates.

Are you falling for claims of savings?

Companies like State Farm and Allstate consistently run ads on television and other media. All the ads make the same claim that you can save if you change your coverage to them. How does each company claim to save you money? This is how they do it.

All companies have a preferred profile for the type of customer that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. Any driver who matches those parameters gets the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will be charged higher prices which leads to the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save that much money. This is how insurance companies can state the savings.

That is why drivers should quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings.

More information can be found on the Mississippi Insurance Department website. Click here for link. Visitors are able to file complaints about a company, get help finding coverage, and report car insurance fraud.

The best insurance company isn't always the cheapest

We just presented some good ideas how to reduce car insurance prices online. It's most important to understand that the more you quote, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from a smaller regional carrier.

Affordable car insurance can be sourced both online as well as from independent agents in Petal, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don't offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, it's very important that you do not skimp on coverage in order to save money. There have been many cases where drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.