Car Insurance in Prentiss - 7 Discounts to Save Money

Are you sick and tired of being strong-armed each month for car insurance? You are no different than many other drivers in Mississippi.

Lots of contend for your business, so it's not easy to compare every and get the definite lowest rate

It's important to do rate comparisons once or twice a year since rates are constantly changing. Even if you got the best price last year you will most likely find a better rate today. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to the tricks you need to know to buy cheaper car insurance.

These seven discounts can lower your rates

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but less common discounts must be asked for before being credited.

Senior Citizens - If you qualify as a senior citizen, you may be able to get reduced rates.
Payment Method - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
Life Insurance Discount - Some companies give lower rates if you buy life insurance.
Driver Safety - Successfully completing a defensive driving course could save 5% or more if you qualify.
Bundle and Save - If you have multiple policies with one insurance company you will save at least 10% off all policies.
Theft Prevention Discount - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Clubs and Organizations - Being a member of certain professional organizations may earn a discount on car insurance.

Keep in mind that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn't work that way. But any discount will cut the cost of coverage.

Are you falling for claims of savings?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all seem to have a common claim that you can save after switching to them. How do they all claim to save you money? This is how they do it.

Insurance companies can use profiling for the type of driver that earns them a profit. For example, a desirable insured might be between 30 and 50, has no tickets, and has great credit. Any new insured that hits that "sweet spot" will get very good rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will have to pay higher prices and this can result in the customer not buying. The ads say "drivers who switch" not "everybody who quotes" save money. That's why insurance companies can advertise the savings.

Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

More Mississippi car insurance information

More information can be found on the website for the Mississippi Insurance Department. Click here for link. Visitors are able to learn about insurance regulations, view a list of available companies, file complaints about an insurance agent or broker, and discover disciplinary actions.

Affordable insurance is out there

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage for the lowest price.

Affordable car insurance can be purchased both online and with local Prentiss insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.