How to Find Low-Cost Indianola Auto Insurance

If you're new to shopping for auto insurance online, you may be overwhelmed because of the huge number of auto insurance companies selling insurance in Indianola.

It's important to shop coverage around occasionally because insurance rates are constantly changing. Even if you think you had the best deal last year there may be better deals available now. So forget anything you know (or think you know) about auto insurance because you're about to learn the proper way to find better rates and still maintain coverage.

Mississippi auto insurance quotes

More discounts equal less premium

Companies that sell car insurance don't always advertise all their discounts very well, so here is a list both well-publicized and the more hidden auto insurance savings. If you don't get every credit you qualify for, you're just leaving money on the table.

  • Bundle and Save - When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Safety Course Discount - Taking a course in driver safety can save you 5% or more depending on where you live.
  • Drive Less and Save - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • College Student - Children who live away from home and don't have a car may be able to be covered for less.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, you won't be that lucky.

For a list of companies with discount auto insurance rates in Mississippi, follow this link.

Finding Auto Insurance Deals in Indianola, MS

Most major insurance companies provide coverage price quotes directly from their websites. Getting online rates is fairly simple as you just type in your coverage preferences into the quote form. Once entered, the company's rating system will obtain information on your driving record and credit history and returns pricing information.

This streamlines rate comparisons, but the time it takes to visit each company's website and repetitively complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find a lower rate.

A more efficient way to get multiple rate quotes uses one simple form that obtains quotes from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes quoting online much more efficient. After sending your information, it gets priced with multiple companies and you can pick any or none of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

To save time and find out how much you're overpaying now, click here and begin entering your coverage information. If you have a policy now, it's recommended you duplicate the limits and deductibles as close as possible to your current policy. This helps ensure you will receive comparison quotes based on identical coverages.

It's not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that might point out if you might need an agent's assistance.

  • What is the difference between comprehensive and collision coverage?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I really need UM/UIM coverage?
  • Is my dog or cat covered if injured in an accident?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I rate my vehicle as pleasure use or commute?
  • Does my policy cover me when driving someone else's vehicle?

If you don't know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, free and can provide invaluable advice.

Best coverage at the best price

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. In many instances, an insured cut liability limits or collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at an affordable rate.

Cheaper auto insurance is attainable online as well as from independent agents in Indianola, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don't offer online quoting and most of the time these smaller companies sell through independent agents.

In this article, we presented a lot of tips how to get a better price on auto insurance. It's most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from a company that doesn't do a lot of advertising.