Top 8 Ways to Save Money on Car Insurance in Shaw

Having to pay for overpriced car insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a great way to help make ends meet.

Having so many car insurance companies to choose from, it's nearly impossible to locate the lowest price insurance company.

It's important to compare prices on a regular basis since rates are constantly changing. Even if you think you had the best rates last year you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance online, so I'm going to show you some great ways to put money back in your pocket.

Finding affordable coverage in Shaw is not that difficult. In a nutshell, anyone who carries car insurance stands a good chance to be able to save money. Although Mississippi consumers do need to know how insurance companies market insurance on the web.

Be sure to get all your discounts

Companies that sell car insurance do not advertise all their discounts very well, so the following is a list of both the well known as well as the least known discounts you could be receiving.

  • Life Insurance Discount - Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Sign Online - Certain companies may give you up to $50 for buying your policy online.
  • Safety Course Discount - Completing a defensive driving course could cut 5% off your bill if you qualify.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Clubs and Organizations - Being a member of a professional or civic organization may earn a discount on car insurance.
  • Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • College Student - Youth drivers living away from home attending college and don't have a car can receive lower rates.
  • Accident Waiver - Some insurance companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

Mississippi car insurance quotes

Is there truth in advertising?

Car insurance companies such as GEICO, State Farm and Progressive consistently run television and radio advertisements. They all seem to have a common claim about savings if you change to their company. But how can every company claim to save you money?

All companies have a preferred profile for the driver that earns them a profit. A good example of a desirable insured might be over the age of 50, insures multiple vehicles, and has great credit. Any new insured that hits that "sweet spot" will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who don't measure up to this ideal profile will have to pay a higher premium and this can result in the customer not buying. The ads say "customers that switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the savings. Because of the profiling, you should get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Even more information can be read at the Mississippi Insurance Department website. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, discover disciplinary actions, and find out industry alerts.

Also read more on Wikipedia and this page where you can research Shaw insurance agents.

The best insurance company isn't always the cheapest

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage at a price you can afford.

The cheapest car insurance is attainable both online and also from your neighborhood Shaw agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.