Comparing the Cheapest Rosedale Auto Insurance
Are you sick and tired of paying out the nose each month for car insurance? You are in the same boat as the majority of other car owners in Mississippi.
Insurance companies such as GEICO and Progressive all claim big savings with ad campaigns and consumers find it hard to sift through the bull and do the work needed to find the best deal.
It's important to price shop coverage once or twice a year since insurance rates are constantly changing. If you had the lowest price on your last policy you will most likely find a better rate today. You'll find quite a bit of inaccurate information about auto insurance online but we're going to give you some great ways to put money back in your pocket.
More discounts equal less premium
Companies don't list every available discount in a way that's easy to find, so we researched some of the best known and the more hidden savings tricks you should be using.
- Air Bag Discount - Vehicles with factory air bags can qualify for discounts of 20% or more.
- Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
- Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
- No Claims - Claim-free drivers pay much less compared to drivers who are more careless.
- Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
- Clubs and Organizations - Affiliation with a civic or occupational organization is a good way to get lower rates on your policy.
A little note about advertised discounts, most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, you won't be that lucky.
Switch companies and save? Really?
Companies like State Farm and Allstate regularly use ads in print and on television. All the ads make an identical promise about savings if you move your policy. How can each company say the same thing?
Insurance companies can use profiling for the right customer that earns them a profit. For instance, a preferred risk might be profiled as between the ages of 30 and 50, has no tickets, and has great credit. A propective insured who meets those qualifications is entitled to the best price and therefore will save when they switch companies.
Drivers who do not match the requirements will be charged a higher premium and ends up with business not being written. Company advertisements say "people who switch" not "everyone that quotes" save that kind of money. That's why companies can truthfully advertise the savings. That is why you should get a wide range of price quotes. It's not possible to predict the company that will fit your personal profile best.
More Mississippi auto insurance information
Even more information is located at the Mississippi Insurance Department website. Mississippi drivers can find out industry alerts, download brochures, find a variety of consumer forms, and read industry bulletins.
Final considerations
In this article, we covered many tips how you can reduce auto insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from an unexpected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .
Cheaper auto insurance is definitely available on the web in addition to many Rosedale insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
