How to Know You're Paying Too Much for Car Insurance in Richton

I can't think of anyone who likes having to buy car insurance, particularly when the cost is way too high. You have so many to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.

It's important to price shop coverage periodically due to the fact that insurance rates are constantly changing. Just because you had the best price last year a different company probably has better rates today. Forget all the misinformation about car insurance because we're going to demonstrate the proper way to find the best coverage while lowering your premiums.

Pricing affordable coverage in Richton is quite easy. If you have insurance now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Mississippi vehicle owners just need to know the most effective way to find the lowest price online.

Don't pay full price with these discounts

Car insurance can cost a lot, buy you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be asked for before you will receive the discount. If you're not getting every credit you qualify for, you are throwing money away.

Early Signing - Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
Good Student - Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
Senior Citizens - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
Save with a New Car - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.
No Claims - Good drivers with no accidents can save substantially compared to drivers who are more careless.
Multi-car Discount - Having more than one vehicle on one policy qualifies for this discount.
Resident Student - Kids in college who attend school more than 100 miles from home and do not have a car may be able to be covered for less.

Consumers should know that most discount credits are not given to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies don't profit that way. But all discounts will bring down your premiums.

Learn How to Buy Car Insurance Cheaper

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

Performance makes a difference - The type of car you drive makes a huge difference in your rates. The cheapest insurance rates tend to be for economy passenger cars, but the final cost of insurance is determined by many other factors.
Bad driving skills means higher rates - Drivers with clean records tend to pay less for car insurance than bad drivers. Even one ticket may increase your cost twenty percent or more. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
Are you male or female? - Statistics show that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Both sexes cause accidents in similar percentages, but men cause more damage. Men also receive more costly citations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
Save money with special equipment - Owning a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

Does my car insurance cover rental cars?
Should I buy only the required Mississippi minimum liability coverage?
Should I buy additional glass protection?
Are my tools covered if they get stolen from my vehicle?
Who is covered when they drive my vehicle?
Is my cargo covered for damage or theft?

If you're not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and may give you better protection.

The car insurance bait and switch

Consumers in Mississippi get pounded daily by advertisements for cheaper car insurance from companies such as State Farm and Allstate. All the ads make an identical promise that you'll save big if you switch your policy.

How does each company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the right customer that earns them a profit. For example, a preferred risk might be a mature driver, a clean driving record, and drives newer vehicles. Any driver who meets those qualifications will qualify for the lowest rates and therefore will save when switching.

Potential insureds who don't measure up to these standards will be charged more money and ends up with the customer not buying. The ad wording is "drivers who switch" not "everyone that quotes" save that kind of money. That is how companies can claim big savings.

That is why drivers should compare many company's rates. You cannot predict which company will give you the biggest savings.

Additional Mississippi consumer information

Much more information about car insurance in Mississippi can be found on the website for the Mississippi Insurance Department. Click here for link. Visitors are able to learn about specific coverages, file complaints about a company, learn about insurance regulations, and view a list of available companies.

Also read more on III.org's auto insurance page and this directory of insurance agents in Richton Mississippi.

And the best car insurance company is...

We just presented some good ideas how you can reduce car insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .

When trying to cut insurance costs, make sure you don't skimp on coverage in order to save money. There have been many cases where someone dropped physical damage coverage only to regret at claim time that it was a big mistake. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.