Cheaper Long Beach Car Insurance Rates in Five Minutes

Having to pay for overpriced car insurance can drain your checking account and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to cut your insurance bill.

Multiple car insurance companies compete for your business, so it’s not easy to compare every company and get the best coverage at the best rate

Consumers need to shop coverage around occasionally since rates are variable and change quite frequently. Even if you think you had the best price a couple years back a different company probably has better rates today. So forget all the misinformation about car insurance because you’re going to learn the things you must know in order to save money, get proper coverage and the best rates.

Don’t miss these discounts

Car insurance companies do not list all their discounts in an easy-to-find place, so we took the time to find some of the best known and the more hidden discounts you could be receiving.

Senior Discount – Older drivers may qualify for a discount up to 10%.
Anti-theft System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company qualifies for this discount.
Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
Safe Drivers – Insureds without accidents may save up to 50% more than drivers with accidents.
Bundle and Save – When you have multiple policies with the same insurance company you will save up to 20% off your total premium.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies don’t profit that way.

To choose insurance companies who offer car insurance discounts in Long Beach, click here to view.

Learn How to Lower your Rates

An important part of buying insurance is that you know the factors that go into determining the price you pay for car insurance. Understanding what determines base rates helps enable you to make changes that could result in lower car insurance prices.

How credit affects car insurance rates – Credit history is a important factor in calculating your car insurance rates. Therefore, if your credit score is not that good, you could pay less to insure your by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores.
Where you live can impact rates – Being located in a small town can be a good thing when insuring your vehicles. Drivers who live in large cities have to deal with much more traffic and longer commute times. Fewer drivers means reduced accidents and also fewer theft and vandalism claims.
Being married is a good thing – Having a spouse helps lower the price on your policy. It translates into being more responsible it has been statistically shown that married couples file fewer claims.
Extra add-on coverages are wasting money – There are a lot of add-on coverages that you can buy when buying car insurance. Insurance for roadside assistance, towing coverage and membership fees may be wasting your money. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
High numbers of claims are not good – Companies in Mississippi provide lower rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.
Safe vehicles cost less to insure – Cars with high safety ratings are cheaper to insure. These vehicles result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders.
Your age impacts your rates – Young drivers in Mississippi tend to be less responsible behind the wheel so car insurance rates are higher. If you’ve ever had to add a teenage driver to your policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.

Your local neighborhood insurance agent

Some people prefer to buy from a local agent. The best thing about getting online price quotes is you can get better rates and still have an agent to talk to.

After filling out this form (opens in new window), your insurance data is instantly submitted to companies in Long Beach who will return price quotes for your coverage. You won’t need to drive around due to the fact that quote results will go immediately to your email address. Now that’s easy! It’s the lowest rates AND a local agent.

Choosing an insurer should depend on more than just a cheap price. These questions are important to ask: free Mississippi insurance quote

Do they regularly work with personal auto policies?
Does the agent have professional designations like CIC, CPCU or AIC?
Do they review policy coverages at every renewal?
How long have they worked with personal auto insurance coverage?
Do they make recommendations based only on price?

Compare rates from both independent and captive car insurance agents

When looking for a good Long Beach insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies in Long Beach are classified as either captive or independent (non-captive).

Captive Agents

These agents can only write with one company and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents are well schooled in insurance sales and that can be a competitive advantage.

Listed below are captive insurance agencies in Long Beach who can help you get rate quotes.

State Farm Insurance – 218 E Railroad St – Long Beach, MS 39560 – (228) 864-6323
Allstate Insurance – 304 E Railroad St – Long Beach, MS 39560 – (228) 864-0222

Independent Agencies or Brokers

Independent insurance agents are not locked into one company but rather can write business with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, we recommend you include price quotes from multiple independent agents to have the most options to choose from.

Below are Long Beach independent agents that can give you rate quotes.

Keesler Insurance Svc – 204 E Railroad St – Long Beach, MS 39560 – (228) 863-0498
John L French Insurance – 100 W Fifth St – Long Beach, MS 39560 – (228) 863-6729
Curt Temple Agency – 434 Pine Crest Cir – Long Beach, MS 39560 – (228) 575-9339

To view a full list of car insurance agents in Long Beach, simply jump to this page.

Upon receiving acceptable answers in addition to an acceptable price estimate, chances are good that you have found an insurance agency that is a good match to properly insure your vehicles.

Car insurance myths debunked

Car insurance providers like Allstate and Progressive constantly bombard you with television and radio advertisements. They all make the same claim that you can save if you switch to their company. How do they all make almost identical claims? This is how they do it.

Insurance companies can use profiling for the type of driver that earns them a profit. An example of a desirable insured could possibly be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” will get the preferred rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t meet the “perfect” profile must pay higher premiums and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save that kind of money. That is how insurance companies can confidently make those claims. This illustrates why drivers should compare as many rates as you can. It’s not possible to predict the company that will give you the biggest savings.

More detailed Mississippi car insurance information can be found at the Mississippi Insurance Department website. Mississippi drivers can find a variety of consumer forms, read state legal mandates and laws, and view agent and company licensing information.

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A tidy conclusion

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage only to regret at claim time that it was a big error on their part. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

We just showed you a lot of ways to compare car insurance prices online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may even discover the most savings is with the least-expected company. Smaller companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.