I can’t think of a single person who cherishes buying car insurance, particularly when their premiums are too high.
Insurance companies such as State Farm and GEICO constantly bombard you with fancy advertisements and it is difficult to see past the corporate glitz and take the time to shop coverage around.
An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for car insurance. Knowing what influences your rates enables informed choices that could result in much lower annual insurance costs.
Shopping for lower car insurance rates can be a lot of work if you aren’t aware of the easiest way. You could waste time discussing policy coverages with agents in Starkville, or you could use the web to get rate comparisons in just a few minutes.
Most major companies participate in a marketplace where prospective buyers only type in their quote data once, and each participating company then gives them pricing determined by their information. This eliminates the need for form submissions for each company you want a rate for.
To compare pricing click here (opens in new window).
The single downside to comparing rates this way is that consumers can’t choose which companies you want to price. If you prefer to choose specific providers to compare rates, we put together a list of companies who write car insurance in Mississippi. View list of Mississippi insurance companies.
Which method you use is up to you, but make sure you use identical deductibles and coverage limits for every company. If you are comparing different limits and deductibles on each one it will be next to impossible to make a fair comparison in Starkville. Slightly different limits can result in a big premium difference. And when price shopping your coverage, comparing more company’s prices helps you find lower pricing.
Car insurance companies don’t necessarily list all their discounts very clearly, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using.
It’s important to note that some credits don’t apply to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.
For a list of providers who offer car insurance discounts in Mississippi, click here.
Certain consumers would rather sit down with an agent and there is nothing wrong with that. One of the great benefits of price shopping on the web is that you can obtain lower rates but still work with a licensed agent.
By using this form (opens in new window), your information gets sent to participating agents in Starkville who will battle for your business. You never need to even leave your home because quoted prices will be sent straight to your inbox. How cool is that?! You can find better rates and an insurance agent to talk to.
Picking an insurer needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
Shown below is a short list of insurance companies in Starkville that are able to give rate quotes.
Mississippi Farm Bureau Svc – 515 Academy Rd, Starkville, MS 39759 – (662) 323-4800
Starkville Insurance Inc – 307 E Main St, Starkville, MS 39759 – (662) 323-6914
Reynolds Insurance & Real Est – 307 E Main St, Starkville, MS 39759 – (662) 323-5550
State Farm Insurance – 600 Hogan St # 1c, Starkville, MS 39759 – (662) 323-8311
Direct General Ins Agency – 210 Highway 12 W # C, Starkville, MS 39759 – (662) 320-7033
After getting good answers to all your questions and a good coverage price, chances are good that you have found an insurer that is a good match to insure your vehicles.
More detailed Mississippi car insurance information is available at the Mississippi Insurance Department website. Consumers can read state legal mandates and laws, get help finding coverage, and file complaints about a company.
We just covered a lot of ways to save on car insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced car insurance comes from a small mutual company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.
Discount car insurance can be sourced on the web as well as from independent agents in Starkville, so you should compare both to have the best selection. Some insurance providers don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy the best coverage you can find at an affordable rate.