Hattiesburg, MS Car Insurance Savings the Companies Don’t Want You to Know About

Are you overwhelmed by the dozens of car insurance company choices in Hattiesburg? Many other drivers are as well. Drivers have so many options that it can be a real challenge to find the perfect company for you.

How to Compare Car Insurance Costs in Hattiesburg, MS

There are a lot of ways you can shop for car insurance but one way is more efficient than others. You can waste a few hours (or days) talking about coverages with agents in Hattiesburg, or you can stay home and use online quoting to get rates in a matter of minutes.

Most car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote based on that data. This system prevents you from having to do quotation requests for each company.

To compare rates using this form now click to open in new window.

The single downside to pricing coverage this way is that you can’t choose the insurers to get quotes from. If you wish to select from a list of companies for rate comparison, we put together a list of car insurance companies in Mississippi. Click here to view list.

However you get your quotes, double check that you are using identical quote information on every quote. If you use different liability limits it’s impossible to make an equal comparison in Hattiesburg.

Ads can be misleading

Mississippi consumers can’t ignore all the ads for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies have a common claim that you can save after switching to their company.

But how can every company make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver that makes them money. A good example of a preferred risk could be between 30 and 50, has no driving citations, and chooses high deductibles. A customer who matches those parameters will get the preferred rates and as a result will probably save when they switch companies.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-88.jpg" alt="Mississippi car insurance quote”/>

Potential insureds who do not match these standards will be charged higher premiums which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the way they do.

That is why it’s extremely important to quote coverage with many companies. It’s not possible to predict the company that will have the lowest rates.

Tips to Get Lower Hattiesburg Rates

Consumers need to have an understanding of some of the elements that come into play when calculating your car insurance rates. Knowing what influences your rates helps enable you to make changes that can help you get better car insurance rates.

The list below includes some of the items that factor into your rates.

  • Pay less after the wedding – Being married actually saves money on your car insurance policy. Having a significant other usually means you are more mature and statistics show being married results in fewer claims.
  • Choose a safe vehicle and save – Safer cars get lower rates. Safer cars have better occupant injury protection and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
  • Rates may be lower depending on your job – Did you know your car insurance rates can be affected by your occupation? Occupations like lawyers, architects and financial analysts tend to pay higher average rates because of stressful work requirements and lots of time spent at work. Conversely, jobs such as pilots, engineers and performers have the lowest average rates.
  • Do you know your deductibles? – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, damage from fire, or theft. The deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more money the insured has to pay upfront, the lower your rates will be.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but companies offer discounts that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but some must be specifically requested before being credited. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings on your policy.
  • Drive Less and Save – Low mileage vehicles could be rewarded with a substantially lower rate.

Keep in mind that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.

Everyone needs different coverages

When choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether you will benefit from professional help.

  • Why am I required to get a high-risk car insurance policy?
  • Is my vehicle covered for smoke damage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when pulling a rental trailer?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Hattiesburg MS insurance comparisons

More effort can pay off

When shopping online for car insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced liability coverage limits only to find out that it was a big mistake. The aim is to get the best coverage possible at the best price.

In this article, we covered a lot of tips how to get a better price on car insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the most savings is with a lesser-known regional company.

Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, delays in responding to claim requests and even unfair underwriting practices. Whatever your reason, finding a new company is less work than it seems.

Mississippi car insurance information

Additional car insurance information can be read on the Mississippi Insurance Department website. Click here for link. Consumers can read consumer alerts, report car insurance fraud, find disaster information, and find out industry alerts.