Getting the Cheapest Wesson Car Insurance
Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, there are many people just like you. Big companies like GEICO and Progressive continually bombard you with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.
It's important to get comparison quotes at least once a year due to the fact that insurance rates are constantly changing. Even if you got the lowest rates two years ago you will most likely find a better rate today. Starting right now, block out anything you think you know about car insurance because I'm going to teach you the tricks you need to know to save on car insurance.
If you have insurance now or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Buying car insurance in Wesson is not that difficult. Mississippi consumers only need to know the most effective way to get comparison rates online.
Save big with these discounts
The cost of insuring your cars can be expensive, but companies offer discounts that many people don't even know exist. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be specially asked for before they will apply. If you aren't receiving every discount possible, you are throwing money away.
- Senior Citizens - If you qualify as a senior citizen, you may qualify for a discount up to 10%.
- Defensive Driver - Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
- Bundle and Save - If you have multiple policies with the same company you may save approximately 10% to 15%.
- Federal Government Employee - Active or retired federal employment may qualify you for a discount with select insurance companies.
- Life Insurance Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.
- Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
- College Student - Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
A little note about advertised discounts, some credits don't apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will reduce your overall premium however.
Car insurance ads bend the truth
Consumers in Mississippi get pounded daily by advertisements that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings if you switch your policy.
How can each company claim to save you money?
All the different companies are able to cherry pick for the right customer that earns them a profit. For example, a desirable insured might be a mature driver, has no tickets, and chooses high deductibles. Any driver that hits that "sweet spot" is entitled to the best price and most likely will save when they switch companies.
Consumers who fall outside the requirements will have to pay higher rates and this can result in the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that kind of money. That's the way companies can truthfully state the savings.
Because of the profiling, you should get a wide range of price quotes. You cannot predict which car insurance company will give you the biggest savings.
Find out more about car insurance
Additional information can be found on the website for the Mississippi Insurance Department located here. Visitors are able to learn about insurance regulations, discover disciplinary actions, read consumer alerts, and read industry bulletins.
And the best car insurance company is...
When buying insurance coverage, it's a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford.
The cheapest car insurance can be found both online in addition to many Wesson insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
