10 Discounts Waynesboro Drivers Forget when Shopping for Car Insurance

Are you tired of being strong-armed each month for car insurance? You are in the same boat as most other car owners in Mississippi.

Insurance companies such as GEICO and Progressive persitently shower you with advertising and it is difficult to sift through the bull and find the best price available.

It's important to take a look at other company's rates before your policy renews since rates are constantly changing. If you had the best rates two years ago a different company probably has better rates today. You'll find quite a bit of inaccurate information about car insurance online, so I'm going to show you some great ways to find cheap car insurance.

Policy discounts you shouldn't miss

Auto insurance companies don't always publicize all their discounts in a way that's easy to find, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance.

55 and Retired - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
No Accidents - Claim-free drivers pay less as compared to drivers who are more careless.
Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Braking Control Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Clubs and Organizations - Belonging to a civic or occupational organization could trigger savings on car insurance.
Pay Upfront and Save - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
Auto/Life Discount - Companies who offer life insurance give better rates if you take out life insurance from them.

A little note about advertised discounts, many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.

Save $429 a year? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make the same claim about savings if you move to their company. How can each company make the same claim? This is how they do it.

Different companies can use profiling for the driver that earns them a profit. A good example of a desirable insured could be a mature driver, is a homeowner, and chooses high deductibles. Any new insured who matches those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who don't qualify for the requirements will have to pay higher prices which leads to business going elsewhere. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully state the savings. Because of the profiling, drivers should quote coverage with many companies. It's just too difficult to predict the company that will give you the biggest savings.

Even more information can be read at the Mississippi Insurance Department website. Consumers can learn about insurance regulations, read industry bulletins, download brochures, and read consumer alerts.

The best insurance company isn't always the cheapest

When buying insurance coverage, it's a bad idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price.

Cheaper car insurance is possible from both online companies and also from your neighborhood Waynesboro agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.