Consumer Tested Strategies for Finding Low-Cost Clinton Mississippi Car Insurance

If price shopping car insurance online is new to you, it’s easy to get confused by the large number of companies selling insurance in Clinton.

If you have a current car insurance policy or are shopping for new coverage, you can follow these tips to find the best rates while maintaining coverages. Pricing more affordable car insurance coverage in Clinton can be fairly easy. Mississippi drivers just need to know the most effective way to shop for car insurance over the internet.

Why some people pay less for insurance in Clinton

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for car insurance. Understanding what influences your rates empowers consumers to make smart changes that can help you get big savings.

  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Occupations such as judges, business owners and accountants tend to pay higher rates than average in part from high stress levels and long work hours. On the flip side, jobs such as farmers, athletes and homemakers have the lowest average rates.
  • Type of vehicle determines base rates – The performance level of the vehicle you own makes a significant difference in how high your rates are. The lowest base rates are usually for low performance passenger models, but other factors influence the final cost greatly.
  • Lower rates come with age – Older drivers are more cautious drivers, tend to file fewer claims and receive fewer citations. Teenage drivers have a tendency to be careless and easily distracted behind the wheel therefore car insurance rates are much higher.
  • Little extras can really add up – There are a ton of additional coverages that you can get tricked into buying on your policy. Things like vanishing deductibles, accidental death and motor club memberships may be costing you every month. They may seem like a good idea when talking to your agent, but if you don’t need them remove them from your policy.
  • Never go without insurance – Allowing your car insurance policy to lapse will be a sure-fire way to trigger a rate increase. And not only will your rates increase, getting caught without coverage can result in a revoked license or a big fine.You may then be required to submit proof of financial responsibility or a SR-22 with the Mississippi department of motor vehicles.
  • Lower miles equals lower premium – The more miles you rack up on your car in a year the more you will pay for car insurance. The majority of insurers apply a rate determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy is showing how each vehicle is driven, because improper ratings can cost you money.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage will protect you in the event that you are found to be at fault for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so do not skimp.

How to Compare Car Insurance Quotes in Clinton, MS

Most companies like State Farm, Allstate and GEICO quote coverage prices online. Getting quotes is pretty painless as you just enter the amount of coverage you want into a form. Once you submit the form, their rating system obtains credit information and your driving record and gives you a price quote based on these and other factors.

Online quotes makes comparing rates easy, but the work required to visit several different sites and fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to perform this step if you want to find the best price possible.

Rate comparisons made easy

An easier way to find lower prices makes use of a single form to obtain quotes from multiple companies. The form is fast, requires less work, and makes comparison shopping much simpler. After sending your information, it gets priced and you are able to buy any of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The whole process can be completed in less than 10 minutes and could lower your rates considerably.

If you want to find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you replicate deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will be getting a rate comparison for exact coverage.

Take advantage of discounts

Auto insurance companies do not list every discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Save over 55 – If you qualify as a senior citizen, you may receive reduced rates.
  • Discount for Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
  • New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.

It’s important to understand that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous.Clinton Mississippi insurance cheap

Do I need a local agent?

A small number of people would prefer to buy from a licensed agent and there is nothing wrong with that. Agents can point out coverage gaps and give you someone to call. The best thing about comparing rates online is that you can obtain better rates but also keep your business local.

After filling out this simple form, the quote information gets sent to participating agents in Clinton who will compete for your insurance coverage. You never need to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy!

Picking an insurance company shouldn’t rely on just the bottom line cost. Agents should be asked these questions:

  • Do they assist clients in filing claims?
  • Is the agency involved in supporting local community causes?
  • Which company do they place the most coverage with?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • What are the financial ratings for the companies they represent?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Are there any discounts that you might be missing?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

What type of Clinton insurance agency is right for you?

When looking for a good insurance agency, there are a couple of types of agencies to choose from. Insurance agencies in Clinton are classified as either captive or independent. Both types can properly insure your vehicles, but it’s worth mentioning how they are different because it can influence the type of agent you choose

Agency Captives

Captive agencies work for only one company and examples are AAA, State Farm, Farmers Insurance and Allstate. Captives cannot give you multiple price quotes so they are skilled at selling on more than just price. They receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers often buy from captive agents primarily because of high brand loyalty and solid financial strength.

Shown below is a short list of captive agents in Clinton who may provide you with comparison quotes.

  • State Farm Insurance – 606 Highway 80 E # A – Clinton, MS 39056 – (601) 924-4114
  • Farm Bureau Insurance – 604 Highway 80 E # D – Clinton, MS 39056 – (601) 924-2396
  • Allstate Insurance – 311 Clinton Blvd – Clinton, MS 39056 – (601) 924-6531
  • Shelter Insurance – 604 Highway 80 W # Q – Clinton, MS 39056 – (601) 925-0102
Independent Agents (or Brokers)

Independent agents do not work for one specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent. When shopping rates, you should always get quotes from at a minimum one independent agency for the best price selection.Many can place coverage with smaller companies which can save you money.

Shown below is a short list of independent agencies in Clinton that can give you price quote information.

  • Direct General Ins Agency – 941 Highway 80 E # W3 – Clinton, MS 39056 – (601) 924-8211
  • Alfa Insurance Corp – 380 Highway 80 E # D – Clinton, MS 39056 – (601) 924-6040
  • Nationwide Insurance – 100 Clinton Blvd – Clinton, MS 39056 – (601) 924-4541

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

Upon receiving answers to your satisfaction and a low price estimate, you’ve probably found a car insurance agent that will insure your vehicles.

Mississippi auto insurance

More detailed Mississippi car insurance information is located at the Mississippi Insurance Department website. Consumers can read state legal mandates and laws, get help finding coverage, read industry bulletins, and view a list of available companies.

Other informative sites include this page for car insurance in Mississippi and this link where you can make Clinton car insurance comparisons.

Shop smart and save

Insureds switch companies for any number of reasons including questionable increases in premium, policy cancellation, policy non-renewal and even delays in paying claims. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.

In this article, we presented many ways to shop for car insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from an unexpected company.

Low-cost car insurance can be sourced both online and with local Clinton insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.