Is Your Greenville Car Insurance Leaving a Hole in Your Pocket?

Have you fallen victim to high-priced car insurance? Believe me when I say there are many people just like you.

Multiple car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer to find the cheapest price

How to Lower your Car Insurance Rates

Consumers need to have an understanding of the different types of things that play a part in calculating car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that could result in lower car insurance prices.

Shown below are some of the factors used by your company to calculate premiums.

  • Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. The safest vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Do you qualify for a multi-policy discount? – Some car insurance companies will give a discount to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to comparison shop to ensure the best deal.
  • Policy add-ons can waste money – There are quite a few extra bells and whistles that you can get tricked into buying when buying car insurance. Coverages like personal injury protection, accidental death and membership fees are some examples. They may seem good when talking to your agent, but your needs may have changed so get rid of them and save.
  • Where you reside plays a part – Choosing to live in a rural area has it’s advantages when talking about car insurance. Drivers in populated areas have to deal with congested traffic and longer commutes to work. Lower population means fewer accidents.

Lower rates by qualifying for discounts

Car insurance companies don’t always advertise all their discounts very well, so the following is a list of some of the best known as well as the least known savings tricks you should be using.

  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates.
  • Accident Free – Good drivers with no accidents pay less when compared with accident-prone drivers.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.

A little note about advertised discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

But don’t I need an insurance agent?

Some people would rather buy from a local agent and that is OK! The biggest benefit of comparing rates online is you may find the lowest rates but also keep your business local.

Once you complete this quick form, your insurance data is sent to local insurance agents in Greenville who will compete for your business. You won’t need to visit any agencies due to the fact that quote results will go to your email. How’s that for easy! It’s the lowest rates without the usual hassles of price money in Greenville

Selecting an provider shouldn’t rely on just a low price. Ask your prospective agent these questions:

  • Who are their largest clients?
  • Do the companies they represent have a solid financial rating?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Which company do they place the most coverage with?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Does the agency provide any after hours assistance?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

How to choose the best auto insurance agent in Greenville

If you’re trying to find a reputable insurance agent or broker, you need to know there are two types of agencies that you can select. Insurance agencies in Greenville are classified as either independent (non-captive) or captive.

Captive Agents

Captive agents work for only one company such as Liberty Mutual, State Farm, Allstate and AAA. They generally cannot place coverage with different providers so always compare other rates. These agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums.

Below are captive insurance agents in Greenville willing to provide rate quotes.

Allstate Insurance – 1429 S Main St # 103 – Greenville, MS 38701 – (662) 335-3534
Shelter Insurance – 365 W Reed Rd # D – Greenville, MS 38701 – (662) 332-1111
State Farm Insurance – 1589 S Main St – Greenville, MS 38701 – (662) 378-2202

Independent Agents (or Brokers)

Independent agents are not required to write business for one company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency.

When comparing rates, it’s a good idea to get quotes from multiple independent agents to ensure the widest selection of prices.

Listed below is a short list of independent agencies in Greenville who can help you get rate quotes.

John Parrish Agency – 1417 Trailwood Dr # E – Greenville, MS 38701 – (662) 332-7535
Alfa Insurance Corp – 1377 E Reed Rd – Greenville, MS 38703 – (662) 378-5433
Benefit Partners Insurance Grp – 525 Main St – Greenville, MS 38701 – (662) 334-6919
Direct General Ins Agency – 1632 Highway 1 S – Greenville, MS 38701 – (662) 378-3006

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For a full directory of Greenville insurance agents, please view this page.

After getting positive feedback to any questions you have and an affordable coverage quote, it’s possible that you found an insurance agent that can provide car insurance coverage.

More detailed Mississippi car insurance information can be found at the Mississippi Insurance Department website. Consumers can view a list of available companies, download brochures, and report car insurance fraud.

Quote more, save more

We covered some good ideas how to lower your car insurance rates. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the biggest savings come from the least-expected company. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. Too many times, consumers will sacrifice liability coverage limits only to discover later that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at the best price while still protecting your assets.

Discount car insurance can be sourced on the web as well as from independent agents in Greenville, and you need to price shop both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and these regional insurance providers work with independent agents.