Proven Strategies for Buying Laurel Mississippi Auto Insurance for Less Money

Shopping online for Laurel auto insurance can be a challenge if you are a beginner to online price comparisons. But don’t let that discourage you because using the internet to shop for auto insurance is actually quite easy.

Smart consumers take time to check auto insurance prices every six months because insurance rates change frequently. Even if you think you had the lowest rates a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to find great coverage at a great price.

If you have insurance now or are just looking to switch companies, you can use these tips to cut your premiums while maintaining coverages. The purpose of this post is to let you in on the best way to quote coverages. Mississippi consumers only need an understanding of the best way to get comparison quotes online.

Free Laurel Auto Insurance Quotes

Finding a better price on auto insurance is actually quite simple. Consumers just need to take time to compare quotes provided by online insurance companies. This can be done using a couple different methods.

Probably the best way to find low rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate forms to each individual auto insurance company. One form will return price quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
A less efficient way to find lower rates requires a visit to the website for each individual company and fill out their own quote form. For example, let’s say you want to compare rates from Allstate, Farmers and Travelers. To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker.
For a list of links to insurance companies in Laurel, click here.

It doesn’t matter which method you choose, just double check that you are using the exact same quote information for every company. If you are comparing different deductibles it will be impossible to truly determine the lowest rate in Laurel.

Laurel Rates are Influenced by These Factors

It’s important that you understand the rating factors that help determine your auto insurance rates. Understanding what determines base rates enables informed choices that will entitle you to better auto insurance rates.

The following are a partial list of the pieces auto insurance companies consider when setting prices. save money concept

How’s your driving record? – Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Even one moving violation can bump up the cost twenty percent or more. Drivers who have flagrant citations like DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to keep their license.
Teen drivers pay high rates – Teenage drivers in Mississippi are statistically proven to be less responsible when driving so they pay higher auto insurance rates. Adding a teen driver onto a policy can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.
Type of vehicle determines base rates – The performance of the car you own makes a substantial difference in the rate you pay. Economy passenger vehicles usually have the lowest rates, but there are many factors that impact the final cost.
Rate your vehicle for proper use – Driving more miles in a year’s time the more you will pay for auto insurance. Almost all companies apply a rate based upon how you use the vehicle. Cars left parked in the garage can get a lower rate than those used for commuting. Make sure your auto insurance coverage properly reflects the proper vehicle usage, because it can save money.
Do you know you’re credit rating? – A driver’s credit score is a important factor in determining what you pay for auto insurance. If your credit is lower than you’d like, you could be paying less to insure your by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have poor credit.
No coverage gaps is important – Not having insurance is illegal and as a result your rates will increase for letting your insurance expire. And not only will your rates increase, failure to provide proof of insurance may earn you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with the Mississippi motor vehicle department to get your license reinstated.
Where you live can impact rates – Being located in a small town has it’s advantages when buying auto insurance. Less people living in that area means reduced accidents. Drivers who live in large Mississippi cities tend to have congested traffic and longer commutes to work. Longer commute distances can result in more accidents.

Verify you’re getting all your discounts

Companies offering auto insurance do not list every available discount very well, so we break down some of the best known as well as the least known ways to save on auto insurance. If you don’t get every credit you deserve, you are throwing money away.

Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
Payment Discounts – By paying your policy upfront rather than paying monthly you may reduce your total bill.
Federal Employees – Simply working for the federal government may qualify you for a discount with select insurance companies.
New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.
Auto/Home Discount – When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
Military Discounts – Having a family member in the military may qualify for rate reductions.
Good Student Discount – Performing well in school can get you a discount of up to 25%. This discount can apply up to age 25.
Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

To see a list of companies who offer auto insurance discounts in Laurel, click here.

When should I talk to an agent?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether or not you might need professional guidance.

How much liability coverage do I need in Mississippi?
Am I covered if I drive in a foreign country?
Are my tools covered if they get stolen from my vehicle?
Is business property covered if stolen from my car?
Do I need PIP (personal injury protection) coverage in Mississippi?
What is the difference between comprehensive and collision coverage?
Should I put collision coverage on all my vehicles?
Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

A little work can save a LOT of money

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are too many instances where drivers have reduced full coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Insureds switch companies for many reasons like policy cancellation, questionable increases in premium, not issuing a premium refund and high prices. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

You just read some good ideas how you can get a better price on auto insurance. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from the least-expected company.

To find out more about Mississippi auto insurance

More tips and info about auto insurance is located at the Mississippi Insurance Department website. Consumers can learn about specific coverages, read industry bulletins, and download brochures.

The following information may also be useful.