Top 9 Ways to Save on Car Insurance in Jackson Mississippi

Saving money on Jackson car insurance is a challenge for consumers not familiar with comparison shopping online. There are so many choices that it can easily become a real hassle to locate the lowest price in Jackson.

If you have insurance now or need new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. This information will instruct you on how to effectively get price quotes and some money-saving tips. Mississippi drivers only need to know the best way to compare rates over the internet.

Where Can I Get Cheap Jackson Car Insurance?

Cutting your Jackson car insurance rates is not rocket science. You just need to invest a few minutes comparing rates online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The most efficient way to find the lowest comparison rates is a comparison rater form click to view form in new window. This easy form prevents you from having to do repetitive form entry for each company. Completing one form gets rate comparisons from car insurance companies with the best prices. It’s definitely the quickest method.
  • A slightly less efficient method to shop for car insurance online is to take the time to go to the website of each company to request a price quote. For sake of this example, let’s assume you want to compare State Farm, Esurance and American Family. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in Jackson, click here.
  • The least recommended method to get comparison rates is to waste gas driving to and from local Jackson insurance agencies. The internet can eliminate the need for a local agent unless you require the professional advice of a licensed agent. However, consumers can compare the best prices online but still have the advice of a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples coverage limits for each comparison quote. If you have different liability limits it’s not possible to determine the lowest rate in Jackson.

Lower rates by qualifying for these nine discounts

Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Some trigger automatically when you get a quote, but a few must be requested specifically in order for you to get them. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount when shopping for car insurance.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less than drivers with accidents.
  • Bundle and Save – When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Multiple Cars – Buying insurance for all your vehicles with the same company qualifies for this discount.
  • No Charge for an Accident – A few companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Safety Course Discount – Successfully completing a course in driver safety could save 5% or more depending on where you live.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.

Keep in mind that most discounts do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. But any discount will reduce your overall premium however.

But I want to work with a local agent

A small number of people would prefer to visit with an insurance agent and that is OK! Insurance agents can answer important questions and give you peace of mind. The biggest benefit of comparing rates online is that you can obtain the lowest rates but also keep your business local. Supporting local businesses is definitely important in Jackson.

After completing this quick form, your coverage information is sent to companies in Jackson who will return price quotes for your insurance coverage. You won’t need to leave your house because quoted prices will be sent to the email address you provide. How’s that for easy!

What type of Jackson auto insurance agent is right for you?

When researching a local agent, you need to know there are two different agency structures that you can select. Agents are either independent (non-captive) or captive. Both insure your vehicles, but it’s important to know how they differ because it can impact your agent selection.

Independent Agents (or Brokers)

Independent agencies are not locked into one company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.

When comparison shopping, we recommend you get quotes from multiple independent agents to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies who may have lower rates.

The following is a short list of independent insurance agents in Jackson that may be able to provide pricing information.

  • Lovelace Agency – 4500 I 55 N – Jackson, MS 39211 – (601) 713-2645
  • Direct General Ins Agency – 4734 N State St # 1 – Jackson, MS 39206 – (601) 366-0700
  • Perry K Paige Insurance – 502 W Fortification St – Jackson, MS 39203 – (601) 948-2857
  • Stockett and Thomas Agency LLP – 860 E River Pl # 204 – Jackson, MS 39202 – (601) 948-3733
  • Porter’s Insurance – 1020 Terry Rd – Jackson, MS 39204 – (601) 355-8471
Captive Agents

Captive agents can only place business with one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They are unable to compare other company’s rates so keep that in mind. These agents are trained well in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently buy from captive agents partially due to high brand loyalty and solid financial strength.

Listed below are captive insurance agencies in Jackson that can give you price quotes.

  • Shelter Insurance – 16 Northtown Dr # 204 – Jackson, MS 39211 – (601) 957-1600
  • State Farm Insurance – 2106 Raymond Rd # D – Jackson, MS 39212 – (601) 372-5544
  • Allstate Insurance – 9 Lakeland Cir – Jackson, MS 39216 – (601) 362-4000
  • Mississippi Farm Bureau Fed – 6311 Ridgewood Rd – Jackson, MS 39211 – (601) 957-3200

For a complete listing of Jackson captive insurance agents, please click here.

Picking an auto insurance agent should depend on more than just a cheap price. Any agent should have no problem answering these questions:Car insurance in Jackson

  • Who is covered by the car insurance policy?
  • Which insurance companies are they affiliated with?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • If your car is totalled, how to they determine the replacement cost?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Upon receiving acceptable answers to your questions and a good coverage price, you may have just found an insurance agency that meets your needs to service your policy.

Which insurance is the “right” coverage?

When choosing the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Should I buy additional glass protection?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does having multiple vehicles earn me a discount?
  • Do I have coverage if my license is suspended?
  • Is a new car covered when I drive it off the dealer lot?
  • What if I total my vehicle and owe more than it’s worth?
  • Do I need PIP coverage since I have good health insurance?
  • What are the financial responsibility laws in Mississippi?
  • Is pleasure use cheaper than using my vehicle to commute?
  • Should I rate my vehicle as pleasure use or commute?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Additional car insurance information is located on the Mississippi Insurance Department website found here. Visitors are able to discover disciplinary actions, read consumer alerts, and read industry bulletins.

Car insurance coverages 101

Having a good grasp of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a bird, damage from flooding and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like chiropractic care, X-ray expenses, pain medications, nursing services and ambulance fees. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your vehicle.

Due to the fact that many Mississippi drivers only carry the minimum required liability limits (25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision protection

This coverage will pay to fix damage to your vehicle resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Jackson insurance ad

Collision coverage protects against things like rolling your car, colliding with a tree, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability auto insurance

This coverage will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical services, repair costs for stationary objects, legal defense fees, loss of income and funeral expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford. Mississippi requires drivers to carry at least 25,000/50,000/25,000 but you should think about purchasing better liability coverage.

The best insurance company isn’t always the cheapest

We just presented some good ideas how you can save on car insurance. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies.

Cost effective car insurance is available online and with local Jackson insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

People who switch companies do it for many reasons like not issuing a premium refund, delays in paying claims, an unsatisfactory settlement offer or even high prices. It doesn’t matter what your reason, switching companies is actually quite simple.