Easy Tips to Cut Costs on Corinth Mississippi Car Insurance

Are you overwhelmed by the sheer number of car insurance options in Corinth? You’re not the only one! Drivers have so many options that it can easily become more work than you anticipated to find better rates.

Learn How to Lower your Rates

It’s important that you understand the rating factors that help determine car insurance rates. Understanding what determines base rates helps enable you to make changes that may reward you with lower car insurance prices.

Do you need those extra coverages? – There are many additional coverages that you can get tricked into buying when buying car insurance. Coverages for roadside assistance, accidental death and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you don’t need them eliminate them to save money.
Where you live is a factor – Living in less populated areas can save you money when talking about car insurance. Urban drivers regularly have traffic congestion and much longer commute distances. Less people living in that area means reduced accidents and a lower car theft rate.
An active claims history can cost you – If you are a frequent claim filer, you can expect higher rates. Insurance companies in Mississippi award better rates to drivers who do not file claims often. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
Clean credit earns discounts – Having a bad credit score is a big factor in determining what you pay for car insurance. If your credit history is lower than you’d like, you could be paying less to insure your by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.

Where Can I Get Cheap Corinth Car Insurance?

Shopping for lower car insurance rates can take hours if you don’t know the most efficient way to do it. You could waste a few hours discussing policy coverages with agents in Corinth, or you could use online quotes to achieve your goal.

The majority of car insurance companies enroll in a system that allows shoppers to submit their information once, and at least one company returns a rated price determined by their information. This saves time by eliminating quotation requests for each company you want a rate for.

To access this free quoting program, click to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose the providers to receive prices from. If you would rather choose specific providers to request quotes from, we have a page of companies who write car insurance in Mississippi. Click here to view list.

However you get your quotes, make absolute certain that you use identical coverages and limits on every quote. If you compare differing limits then you won’t be able to decipher which rate is best in Corinth.

How can 21st Century, Allstate and State Farm save drivers who switch?

Mississippi consumers can’t ignore all the ads for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. All the ads make an identical promise that you can save if you change your coverage to them.

But how can every company make almost identical claims? This is how they do it.

Insurance companies have a certain “appetite” for the driver that is profitable for them. For instance, a profitable customer might be profiled as between the ages of 30 and 50, a clean driving record, and has excellent credit. A customer who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don’t qualify for the “perfect” profile will have to pay a more expensive rate which leads to business not being written. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently advertise the way they do. Because of the profiling, it’s extremely important to compare many company’s rates. It is impossible to predict the company that will fit your personal profile best.

Discounts are great for lower rates

Companies that sell car insurance do not list every discount very clearly, so here is a list both the well known as well as the least known discounts you could be receiving. If you’re not getting every credit possible, you’re just leaving money on the table.<img class="alignright" style="padding-top:15px" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-32.jpg" alt="Corinth insurance quotes” />

Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
Claim Free – Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
Fewer Miles Equal More Savings – Fewer annual miles can qualify you for a substantially lower rate.
Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
Homeowners Pay Less – Owning a home in Corinth can save you money due to the fact that maintaining a home shows financial diligence.
Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more if your company offers it.
Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.

It’s important to note that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of companies with discount car insurance rates in Corinth, follow this link.

What about using a local agent?

Some consumers just want to visit with an insurance agent and that is a personal choice. Insurance agents can answer important questions and help submit paperwork. One of the great benefits of comparing insurance prices online is you may find the lowest rates and still have an agent to talk to.

To make it easy to find an agent, after completing this simple form, the coverage information is emailed to companies in Corinth who will return price quotes for your business. You won’t need to drive around since price quotes are sent directly to your email. How cool is that?!

Choosing a company needs to be determined by more than just the price. Ask your prospective agent these questions:

Are claim adjusters local or do you have to take your car somewhere else?
If they are an independent agency, which companies do they recommend?
Are you getting all the discounts the company offers?
If your car is in the repair shop, do you have coverage for a rental car?
Is their price quote a firm figure or are their hidden costs?
Which company do they place the most coverage with?
How long has their agency been in business in Corinth?

Compare rates from both independent and captive insurance agencies

If you’re trying to find local Corinth agents, you must know there are a couple types of insurance agents from which to choose. Agencies in Corinth are classified as either captive or independent (non-captive). Both properly insure your vehicles, but it’s important to know the differences since it can impact your selection of an agent.

Captive Insurance Agents

Captive agencies are contracted to one company and examples are State Farm or Allstate. Captives cannot shop your coverage around so it’s a take it or leave it situation. These agents receive extensive training on their company’s products which can be an advantage. Consumers sometimes purchase coverage from captives mostly because of the brand legacy and solid financial strength.

Listed below is a short list of captive insurance agencies in Corinth that can give you comparison quotes.

State Farm Insurance – 102 N Cass St – Corinth, MS 38834 – (662) 287-8077

Independent Agencies or Brokers

These agents do not work for one specific company so they have the ability to put coverage with any number of different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and that require little work on your part.

When comparison shopping, it’s recommended you get quotes from several independent insurance agents for the best price selection. They also have the ability to place coverage with lesser-known insurance companies who may have lower rates.

Listed below are independent agencies in Corinth who can help you get rate quotes.

Direct General Ins Agency – 2021 Highway 72 E – Corinth, MS 38834 – (662) 286-2800
Direct General Ins Agency – 313 Highway 72 W – Corinth, MS 38834 – (662) 286-2800
Bailey Williams Insurance – 514 N Fillmore St – Corinth, MS 38834 – (662) 286-2312
Miller Insurance – 1608 S Harper Rd – Corinth, MS 38834 – (662) 665-0059

For a complete listing of licensed insurance agents in Corinth, go to this page.

Upon getting satisfactory answers for all questions you ask and locked in a price quote, you’ve probably found an insurance agency that can adequately provide car insurance.

More detailed Mississippi car insurance information can be read at the Mississippi Insurance Department website. Mississippi consumers can discover disciplinary actions, file complaints about a company, find out which companies have the most complaints, and find out industry alerts.

Other informative sites include this resource for Mississippi car insurance prices and this page where you can research Corinth insurance agents.

More comparisons equals lower rates

Cost effective car insurance is definitely available both online and with local Corinth insurance agents, and you should compare price quotes from both so you have a total pricing picture. A few companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

You just learned many tips how you can lower your car insurance rates. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the most savings is with a lesser-known regional company.

People change insurance companies for many reasons like denial of a claim, questionable increases in premium, high rates after DUI convictions and even lack of trust in their agent. It doesn’t matter what your reason, choosing a new company is actually quite simple.