Proven Ways to Save on Sumner Auto Insurance

Scraping up a payment for overpriced auto insurance can dwindle your checking account, especially in this economy. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill. Drivers have so many to buy insurance from, and although it's nice to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices yearly since insurance rates are constantly changing. Just because you had the best price last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate the proper way to eliminate unnecessary coverages and save money.

Finding affordable coverage in Sumner is easy if you know what you're doing. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Mississippi vehicle owners just need to know the most effective way to compare prices online.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that can help you get lower auto insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate your rates.

Do you know you're credit rating? - Your credit score is a big factor in determining what you pay for auto insurance. If your credit is lower than you'd like, you could save money insuring your by spending a little time repairing your credit. People with good credit tend to be more responsible as compared to drivers with poor credit.
Your location affects your rates - Residing in a rural area has it's advantages when buying auto insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Fewer people means a lower chance of having an accident.
Traffic citations inflate rates - Even a single moving violation can bump up the cost by twenty percent. Drivers who don't get tickets get better rates than bad drivers. Drivers who get serious violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
Pay less if you're married - Having a spouse can actually save you money on your policy. Marriage translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
Save money with special equipment - Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.

Compare Auto Insurance Today

There are several ways to compare auto insurance quotes, but one way is less time-consuming than others. You can spend your afternoon talking to insurance agencies in Sumner, or you could use the web to achieve your goal.

Most of the larger companies belong to a marketplace that allows shoppers to enter their policy data once, and every company can give them a price based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for. To submit your quote information now, click here to open in new window.

One minor caviat to using this type of form is you are unable to specify which providers you want to price. If you wish to select specific providers to compare rates, we have a page of companies who write auto insurance in Mississippi. Click here for list of insurance companies in Mississippi.

It's up to you which method you use, but make sure you use identical coverages and limits with each company. If you enter different deductibles then you won't be able to make an equal comparison in Sumner.

How much can you save with discounts?

Companies offering auto insurance don't always advertise every available discount very clearly, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using. If you're not getting every credit you deserve, you are paying more than you should be.

Anti-lock Brake System - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Multi-policy Discount - If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
Good Student Discount - This discount can get you a discount of up to 25%. This discount can apply until age 25.
Own a Home - Being a homeowner can help you save on auto insurance because owning a home is proof that your finances are in order.
Payment Discounts - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
E-sign - Certain companies give back up to $50 for buying a policy and signing up over the internet.
Passive Restraints - Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
Claim Free - Drivers who don't have accidents can save substantially compared to accident-prone drivers.
Resident Student - Kids in college who attend school more than 100 miles from home and do not have a car can receive lower rates.
Drivers Education - Cut your cost by having your teen driver take driver's ed class in school.

Drivers should understand that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way.

To choose providers offering auto insurance discounts in Mississippi, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Mississippi drivers can't ignore all the ads for car insurance savings from the likes of Allstate and Progressive. All the ads make an identical promise that you'll save big if you switch your coverage to them.

How does each company say the same thing? It's all in the numbers.

All companies have a preferred profile for the type of customer that makes them money. For example, a preferred risk might be profiled as a mature driver, has no prior claims, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't meet these standards will be charged more money and ends up with business not being written. The ad wording is "customers who switch" but not "drivers who get quotes" save that much money. This is how companies can advertise the savings. That is why you need to get as many quotes as possible. It's not possible to predict which insurance companies will give you the biggest savings.

How much car insurance do I need?

When buying the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions can help discover if your insurance needs would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Do I need to file an SR-22 for a DUI in Mississippi?
Does my policy cover my teen driver if they drive my company car?
Do I have any recourse if my insurance company denies a claim?
When do I need to add a new car to my policy?
Does my liability insurance cover pulling a trailer or camper?

If you're not sure about those questions, you may need to chat with an insurance 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 auto insurance companies in your area. It is quick, free and you can get the answers you need.

More detailed Mississippi auto insurance information can be found at the Mississippi Insurance Department website. Mississippi drivers can find out industry alerts, view agent and company licensing information, file complaints about a company, and get help finding coverage.

In the end, you save

As you prepare to switch companies, never reduce coverage to reduce premium. Too many times, consumers will sacrifice physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

In this article, we covered some good ideas how you can compare auto insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with some of the smallest insurance companies. These smaller insurers may only write in your state and offer lower rates compared to the large companies like .