Poplarville Auto Insurance For Less Than You're Paying Now

Finding the best price on Poplarville auto insurance can be difficult if you've never compared quoting online. But don't be discouraged because finding affordable coverage online is easier than you think.

It's important to compare prices periodically since insurance rates are constantly changing. Even if you think you had the best deal last year you may be paying too much now. So just forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

Buying the cheapest auto insurance in Poplarville is simple if you know the tricks. Basically, everyone who has to buy auto insurance should be able to reduce their rates. Nevertheless, Mississippi vehicle owners do need to know how big insurance companies market insurance on the web and take advantage of how the system works.

Poplarville Auto Insurance Comparisons

There are several ways of comparing rate quotes from different Poplarville insurance companies. The recommended way to find competitive insurance rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quotation requests for each company you want a rate for. Just one form will get you price quotes from auto insurance companies with the best prices. This is by far the quickest method.

A less efficient way to compare rate quotes requires a visit to each individual company website to complete their respective quote request forms. For example, we'll assume you want to compare , and . To get each rate you have to visit each site to input your insurance information, which is why most consumers use the first method. To view a list of companies in Poplarville, click here.

The least efficient method of getting rate comparisons is to spend time driving to and from local Poplarville insurance agencies. Buying insurance online makes this process obsolete unless you prefer the professional guidance that only a license agent can provide. You can, however, compare the best prices online and still use a local agent and we'll touch on that later.

Which method you use is up to you, but be sure to compare apples-to-apples coverage limits on every quote you get. If you have differing limits it will be impossible to determine which rate is truly the best in Poplarville. Just a small difference in coverage limits may cause a big price difference. Keep in mind that obtaining a wide range of quotes provides better odds of finding better pricing.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that play a part in calculating auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that may reward you with much lower annual insurance costs.

  • Men are more aggressive - Statistics show women tend to be less risk to insure than men. Now that doesn't mean men are worse drivers. Both sexes tend to get into accidents at about the same rate, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.
  • Traffic citations inflate rates - Just one speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates than their less careful counterparts. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Policy add-ons can waste money - There are quite a few additional coverages that you can buy if you aren't careful. Things like roadside assistance, towing coverage and term life insurance are examples of these. They may seem good at first, but if they're wasting money remove them from your policy.
  • Multiple policies with one company can save - Some companies will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to shop around to ensure the best deal.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. A few discounts will automatically apply when you quote, but some must be asked for before you get the savings.

  • Accident Forgiveness - Some insurance companies permit an accident without raising rates as long as you don't have any claims for a set time period.
  • Air Bag Discount - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Safety Course Discount - Successfully completing a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Pay Now and Pay Less - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Homeowners Savings - Owning a house in Poplarville may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Bundle and Save - When you have multiple policies with the same company you may earn at least 10% off all policies.

It's important to understand that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce your overall premium however.

For a list of companies with discount auto insurance rates in Mississippi, follow this link.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone's needs are different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • Does my policy cover me when driving someone else's vehicle?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I really need UM/UIM coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What can I do if my company won't pay a claim?
  • Does my policy cover my teen driver if they drive my company car?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, simply complete this short form.

Additional auto insurance information is available on the Mississippi Insurance Department website through this link. Mississippi drivers can learn about insurance regulations, file complaints about a company, and discover disciplinary actions.

Other useful links include this site for Mississippi auto insurance information and see this list of insurance agents in Poplarville.

Mississippi auto insurance

Affordable insurance is out there

Low-cost auto insurance is attainable on the web and also from your neighborhood Poplarville agents, so compare prices from both to have the best selection. A few companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

In this article, we covered a lot of information how to lower your auto insurance rates. It's most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with an unexpected company.

When trying to cut insurance costs, do not reduce needed coverages to save money. In many cases, someone dropped liability limits or collision coverage only to find out that it was a big mistake. Your aim should be to find the BEST coverage at an affordable rate.