New Tricks for Cutting Costs on on Natchez, MS Car Insurance

Are you overwhelmed by the number of car insurance options in Natchez? You have a lot of company. People have so many companies to choose from that it can turn into a ton of work to compare prices.

It’s a great practice to shop coverage around before your policy renews due to the fact that insurance rates are constantly changing. If you had the lowest price on your last policy you will most likely find a better rate today. Starting now, forget anything you know (or think you know) about car insurance because I’m going to teach you one of the easiest ways to save on car insurance.

Car Insurance Prices in Natchez, MS

There are several ways to shop for car insurance, and some are less time-consuming than others. You could spend your day discussing policy coverages with insurance companies in Natchez, or you could use the web to quickly compare rates.

Most car insurance companies belong to an insurance system where insurance shoppers enter their coverage request one time, and each company returns a competitive quote based on that data. This eliminates the need for form submissions for every car insurance company.

To compare rates using this form now click here to start a free quote.

One minor caviat to getting quotes like this is you cannot specify which insurance companies you will receive quotes from. So if you want to select individual companies to request quotes from, we have a listing of low cost car insurance companies in Mississippi. Click here for list of insurance companies in Mississippi.

It doesn’t matter which method you choose, just ensure you’re using exactly the same information on every quote you get. If you use mixed coverages it’s impossible to determine the lowest rate in Natchez.

Don’t assume everyone needs the same coverage

When it comes to buying coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.price insurance in Natchez

  • Do I need roadside assistance coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Is business equipment covered while in my vehicle?
  • Exactly who is provided coverage by my policy?
  • Does liability extend to a camper or trailer?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are rental cars covered under my policy?
  • Why does it cost so much to insure a teen driver in Natchez?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Online quotes with a local Natchez insurance agent

Some consumers just want to sit down with an agent and that is OK! Insurance agents can help determine the best coverages and help in the event of a claim. The best thing about price shopping on the web is that you can obtain better rates but still work with a licensed agent. Supporting local businesses is important particularly in Natchez.

To make it easy to find an agent, after completing this form (opens in new window), your information is submitted to insurance agents in Natchez who will compete to get your business. You never need to even leave your home since price quotes are sent to your email. It doesn’t get any easier!

Natchez auto insurance agents come in two flavors

When finding a local agent, you must know there are a couple different types of agents that you can select. Insurance agencies in Natchez are classified as either captive or independent (non-captive). Either one can insure your vehicles, but it’s worth mentioning how they are different because it can impact the type of agent you choose

Independent Agents (or Brokers)

These agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part.

When shopping rates, you should always contact multiple independent agents for the best price selection. Most have the option of insuring with lesser-known insurance companies which may provide better rates.

The following is a list of independent insurance agencies in Natchez that can give you rate quotes.

  • G Doug Nigreville Insurance – 507 John R Junkin Dr # A – Natchez, MS 39120 – (601) 442-9138
  • Woodmen Of The World Insurance – 1273 Highway 61 N – Natchez, MS 39120 – (601) 442-6363
  • Muirhead Agency Inc – 255 Highway 61 S – Natchez, MS 39120 – (601) 446-8494
Captive Agents

This type of agents can only place business with one company such as State Farm, AAA and Liberty Mutual. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. Captives are trained well on the products they sell which can be an advantage. Some people will only purchase coverage from captives mostly because of high brand loyalty and strong financial ratings.

Shown below is a short list of captive agents in Natchez that can give you price quotes.

Car insurance in Mississippi

  • Shelter Insurance – 118 Jeff Davis Blvd – Natchez, MS 39120 – (601) 445-9781
  • State Farm Insurance – 195 Sgt Prentiss Dr – Natchez, MS 39120 – (601) 442-0204
  • Allstate Insurance – 118 Lower Woodville Rd # 20 – Natchez, MS 39120 – (601) 446-5572

For a complete listing of captive agents in Natchez, visit this site.

Picking a car insurance agent requires more thought than just a cheap price. Any agent should have no problem answering these questions:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Who are their largest clients?
  • What are the financial ratings for the companies they represent?
  • How many years of experience in personal lines insurance coverages do they have?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are they full-time agents?
  • Are there any discounts that you might be missing?
  • Do they have any clout with companies to ensure a fair claim settlement?

Upon getting good answers for all questions you ask and a low price estimate, you may have just found a car insurance agent that meets your needs to properly service your car insurance policy.

Additional information is available on the Mississippi Insurance Department website found here. Visitors are able to find out which companies have the most complaints, read industry bulletins, and get help finding coverage.