Easy Methods to Pay Less on Union Auto Insurance

If you've never shopped for auto insurance online, you may be overwhelmed because of the huge number of auto insurance companies all offering big savings in Union.

Finding affordable coverage in Union is easy if you know what you're doing. If you have a current auto insurance policy or need new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Mississippi vehicle owners just need to know the most effective way to compare prices over the internet.

How much can you save with discounts?

Companies that sell car insurance don't list all available discounts very clearly, so here is a list both well-publicized as well as the least known ways to save on auto insurance. If you're not getting every credit you qualify for, you are throwing money away.

Driver Safety - Completing a course in driver safety can save you 5% or more if you qualify.
Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
Student in College - Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
Save over 55 - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
Military Discounts - Having a family member in the military may qualify for rate reductions.
Federal Employees - Active or retired federal employment can save as much as 8% depending on your company.
Auto/Home Discount - If you have multiple policies with one company you may earn up to 20% off your total premium.
Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts may earn rate discounts of more than 20%.
Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.

Consumers should know that many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

Understand what determines the rate you pay

Smart consumers have a good feel for the rating factors that help determine the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that could result in lower auto insurance prices.

Extra coverages can waste money - There are a ton of additional coverages that you can get tricked into buying on your auto insurance policy. Coverages for vanishing deductibles, accidental death and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.
How many coverages with the same company - Many auto insurance companies will award you with lower prices to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to confirm you are receiving the best rates possible.
Older drivers pay less - Teen drivers in Mississippi are known to get distracted easily behind the wheel so they pay higher auto insurance rates. Having to add a young driver onto your auto insurance can break the bank. Older drivers are more responsible, tend to file fewer claims and are safer drivers.
Men pay higher rates - Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men have accidents at about the same rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your insurance needs would benefit from professional advice.

Do I really need UM/UIM coverage?
Do I need PIP (personal injury protection) coverage in Mississippi?
Why does it cost so much to insure a teen driver in Union?
Should I buy additional glass protection?
Am I covered when delivering products for my home-based business?
Do I have coverage for damage caused while driving under the influence?
What are the best liability limits?

If it's difficult to answer those questions, you may need to chat with a licensed agent. If you don't have a local agent, take a second and complete this form. It's fast, doesn't cost anything and can help protect your family.

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

Mississippi consumers get pounded daily by advertisements for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies make the same claim that you'll save big after switching your policy.

How does each company make almost identical claims?

All companies have a certain "appetite" for the right customer that earns them a profit. An example of a profitable customer could possibly be a mature driver, owns a home, and has excellent credit. A driver who matches those parameters will get very good rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards must pay higher premiums which leads to the driver buying from a lower-cost company. The ads say "customers that switch" but not "drivers who get quotes" save that kind of money. That is how companies can make those claims. This illustrates why drivers should get quotes from several different companies. It is impossible to predict which company will have the lowest rates.

More detailed Mississippi auto insurance information is available at the Mississippi Insurance Department website. Mississippi consumers can discover disciplinary actions, read consumer alerts, and read enforcement actions against agents and companies.

And the best car insurance company is...

Discount auto insurance can be bought online in addition to many Union insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Insureds change insurance companies for a number of reasons such as questionable increases in premium, policy cancellation, not issuing a premium refund and even denial of a claim. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.