Find Proven Ways to Save on Gautier, MS Car Insurance

Paying for high-priced car insurance can drain your savings account and force you to make sacrifices. Shopping your coverage around is free and is an excellent way to cut your insurance bill.

You have so many auto insurance companies to choose from, and although it’s nice to be able to choose, it makes it harder to get the best deal.

Consumers need to compare rates periodically since rates are constantly changing. Even if you got the best rates a couple years back you can probably find a lower rate today. There is a lot of wrong information about car insurance online, so I’m going to show you some of the best ways to stop overpaying for insurance.

The purpose of this article is to tell you the most effective way to quote insurance and some tips to save money. If you have car insurance now, you will be able to reduce your rates substantially using these methods. Although Mississippi vehicle owners need to learn how companies price insurance differently because it can help you find the best coverage.

How to Compare Car Insurance Costs in Gautier, Mississippi

To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The easiest way to compare insurance prices consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

The best way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for each company. Taking the time to complete one form gets you price quotes .

A more time consuming way to get comparison quotes requires a trip to the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want comparison quotes from Allstate, Farmers and State Farm. To find out each rate you need to spend time on each company’s site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in Gautier, click here.

The least efficient method to compare rates is driving to and from local Gautier insurance agencies. The internet has reduced the need for local agents unless you want the professional guidance of a local Gautier agent. Drivers can comparison shop online but buy from a local insurance agent and we’ll talk about that later.

It’s up to you which method you use, but ensure you’re using exactly the same coverage limits for each price quote. If you compare mixed coverages it will be next to impossible to make a fair comparison in Gautier. Having just a slight variation in insurance coverages may result in a large different in cost. And when comparison shopping, more quotes helps you find better pricing.

Cut your car insurance rates with discounts

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be requested specifically in order for you to get them.

Drivers Ed for Students – Have your child successfully complete driver’s ed class if it’s offered in school.
Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
Discount for Good Grades – This discount can earn a discount of 20% or more. The discount lasts well after school through age 25.
College Student – Kids in college who are attending college without a vehicle on campus can receive lower rates.
Driver Safety – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
Homeowners Pay Less – Owning a home in Gautier can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
Drive Less and Save – Keeping the miles down can earn a substantially lower rate.
New Car Discount – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. But all discounts will help reduce the amount you have to pay. price insurance in Gautier MS

Do I need a local agent?

A small number of people would prefer to get advice from a local agent and that is OK! One of the best bonuses of price shopping on the web is the fact that you can find the best rates but also keep your business local. Buying from local agencies is especially important in Gautier.

To make it easy to find an agent, after completing this short form, the coverage information is transmitted to local insurance agents who will give you bids to get your business. There is no need to visit any agencies due to the fact that quote results will go directly to your email. How cool is that?! You’ll get the best rates without the usual hassles of price shopping.

Types of insurance agencies in Gautier

If you’re trying to find a local agent, there are two different agency structures from which to choose. Agencies in Gautier are classified as either independent (non-captive) or captive.

Independent Insurance Agents

Independent agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rates, you should always include price quotes from at a minimum one independent agency for maximum quote selection.

Shown below is a list of independent agencies in Gautier that can give you comparison quotes.

USA Insurance Co – 2104 Highway 90 – Gautier, MS 39553 – (228) 497-9935
Estis Agency – 4341 Gautier Vancleave Rd # 2 – Gautier, MS 39553 – (228) 497-1178
Fred Price Jr Insurance – 1435 Highway 90 – Gautier, MS 39553 – (228) 497-2757

Captive Insurance Agents

Captive agents write business for a single company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to place coverage with different providers so it’s a take it or leave it situation. Captives are well schooled in insurance sales which helps them compete with independent agents.

Below is a short list of captive agencies in Gautier that are able to give rate quotes.

State Farm Insurance – 1408 Highway 90 # 3 – Gautier, MS 39553 – (228) 497-5904

For a complete listing of car insurance agents in Gautier, visit this site.

Selecting an insurance agent should depend on more than just the bottom line cost. Agents should be asked these questions:

How are they compensated?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Which insurance companies are they affiliated with?

After getting reasonable responses to these questions in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that meets your needs to adequately provide car insurance.

How to know if you need help

When choosing the best car insurance coverage, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether or not you may require specific advice.

Am I covered when delivering products for my home-based business?
Do I need roadside assistance coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
What companies insure drivers after a DUI or DWI?
Exactly who is provided coverage by my policy?
Do I qualify for additional discounts?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Components of your insurance rates

Smart consumers have a good feel for the rating factors that help determine car insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in big savings.

The following are a few of the “ingredients” companies use to determine premiums.

Higher deductibles cost less – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims could be colliding with a building, damage caused by hail, and rolling your vehicle. Physical damage deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more you’re willing to pay, the less your car insurance will be.
Lower rates come with age – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers are known to be more careless in a vehicle therefore car insurance rates are much higher.
Do you work long hours in a high stress job? – Did you know your car insurance rates can be affected by your occupation? Occupations like doctors, business owners and stock brokers are shown to have the highest rates because of stressful work requirements and lots of time spent at work. On the other hand, occupations such as farmers, students and performers pay the least.
Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. The safest vehicles protect occupants better and better occupant protection means less money paid by your insurance company passed on to you as lower rates.
High credit ratings translate to low rates – Your credit score is a huge factor in calculating your car insurance rates. People with high credit ratings tend to be more responsible than those with lower credit ratings. If your credit rating is low, you could pay less to insure your by improving your credit score.
Policy add-ons can waste money – There are a ton of extra coverages that can waste your money if you aren’t careful. Coverages for vanishing deductibles, accident forgiveness and term life insurance may be wasting your money. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate them to save money.
More than one policy can earn a discount – Most insurers provide better rates to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even with this discount, you may still want to comparison shop to make sure you are getting the best deal.

Final thoughts

The cheapest car insurance can be bought on the web as well as from independent agents in Gautier, and you need to price shop both to get a complete price analysis. Some companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

We just covered a lot of techniques to reduce car insurance prices online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

Additional car insurance information is located on the website for the Mississippi Insurance Department found here. Consumers can download brochures, file complaints about an insurance agent or broker, read enforcement actions against agents and companies, and discover disciplinary actions.