Easy Ways to Pay Less on Sardis Car Insurance

Beginners to shopping for insurance online will discover purchasing the cheapest Sardis car insurance quite difficult.

It's important to compare prices periodically because rates are constantly changing. Despite the fact that you may have had the best rates a few years ago you may be paying too much now. There is a lot of bad information regarding car insurance online, so we're going to give you some great ways to slash your car insurance rates.

How to Get Sardis Car Insurance Comparison Quotes

Most major insurance companies such as Allstate and Progressive allow you to get coverage prices online. The process is quite simple as you simply enter your personal and coverage information into the quote form. Behind the scenes, their rating system will obtain your driving record and credit report and quotes a price.

Quoting online helps simplify price comparisons, but having to visit multiple sites and type in the same information gets old quite quickly. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

There is a better way!

A less time-consuming method to compare rates utilizes a single form to return rates from many companies. It's a real time-saver, requires less work, and makes online price comparison a lot less work. As soon as you send your information, it is rated and you can select any of the returned quotes.

If you find a better price it's easy to complete the application and purchase coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

If you want to find out how much you're overpaying now, click here and complete the simple form. If you have your current policy handy, we recommend you input the coverages exactly as shown on your declarations page. This way, you're receiving a rate comparison based on similar coverages.

Sardis car insurance quote

Good Decisions Result in Lower Rates

It's important that you understand the factors that help determine your car insurance rates. Understanding what influences your rates enables informed choices that can help you get lower car insurance prices.

  • Poor credit can mean higher rates - Your credit history is a big factor in determining your rates. Therefore, if your credit rating is not that good, you could be paying less to insure your by repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit scores.
  • How's your driving record? - Careful drivers get better rates compared to drivers with tickets. Even a single speeding ticket can boost insurance rates twenty percent or more. Drivers who get flagrant violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Older drivers save more - Older drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Young drivers are known to be less responsible behind the wheel therefore car insurance rates are much higher.
  • What are your deductibles? - Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, and burglary. The deductibles are the amount of money you are required to spend before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the lower your rates will be.

More discounts equal less premium

Car insurance is not cheap, but you can get discounts to cut the cost considerably. A few discounts will automatically apply when you complete an application, but some may not be applied and must be manually applied before they will apply. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Good Student - Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • 55 and Retired - Older drivers may be able to get better car insurance rates.
  • Homeowners Savings - Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Accident Forgiveness - A few companies allow you one accident without raising rates if you are claim-free prior to the accident.

It's important to note that some credits don't apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you're out of luck. But any discount will cut your premiums.

For a list of providers who offer car insurance discounts in Sardis, click here.

It's not one size fits all

When it comes to choosing coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Mississippi?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • When do I need to add a new car to my policy?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my car insurance cover rental cars?

If you can't answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form. It's fast, free and you can get the answers you need.

More information can be read on the Mississippi Insurance Department website found here. Consumers can find out industry alerts, file complaints about a company, and read enforcement actions against agents and companies.

Mississippi car insurance

In the end, you save

When shopping online for car insurance, never reduce needed coverages to save money. Too many times, someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

We just showed you a lot of ways to lower your car insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the best prices are with some of the smallest insurance companies.

Lower-priced car insurance can be bought from both online companies and also from your neighborhood Sardis agents, so compare prices from both to get a complete price analysis. Some car insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.