Free Guide to Cutting Costs on Mccomb Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, many Mccomb consumers feel financially strained by their auto insurance policy.

Companies like GEICO and Progressive all claim big savings with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to shop coverage around at least once a year since insurance rates are constantly changing. If you had the best deal a few years ago the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about auto insurance because it's time to teach you the only way to find better rates and still maintain coverage.

Are you getting all your discounts?

Auto insurance companies don't always publicize all their discounts in a way that's easy to find, so here is a list some of the best known and the harder-to-find ways to save on auto insurance.

Auto/Life Discount - Some companies give better rates if you take out a life insurance policy as well.
Drive Less and Save - Keeping the miles down can qualify you for better rates on cars that stay parked.
Drivers Ed for Students - Have your child complete a driver education course in high school.
Claim Free - Drivers with accident-free driving histories can earn big discounts as compared to bad drivers.
Memberships - Affiliation with a civic or occupational organization could trigger savings on auto insurance.

Keep in mind that most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like it's possible to get free car insurance, it just doesn't work that way.

To see a list of companies with the best auto insurance discounts in Mccomb, click this link.

How to Compare Mccomb Auto Insurance Costs

Most companies allow you to get coverage price quotes online. Getting online quotes is fairly simple as you just type in the coverage amounts you desire as detailed in the form. Once you submit the form, their system will obtain credit information and your driving record and returns a price based on many factors. Online quotes streamlines rate comparisons, but having to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it's very important to get many rate quotes in order to find the best price on auto insurance.

There is a better way!

The preferred way to find better auto insurance pricing requires only one form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes comparison shopping a little more enjoyable. As soon as you send your information, it is rated and you are able to buy your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the new coverage. The entire process takes just a few minutes to complete and may save quite a bit of money.

To quickly find out if lower rates are available, click here to open in new window and submit the form. If you have a policy now, it's recommended you enter the coverage information as shown on your current policy. This makes sure you are getting comparison quotes based on the exact same insurance coverage.

Tips to Get Lower Mccomb Rates

An important part of buying insurance is that you know the rating factors that come into play when calculating auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Lower miles equals lower premium - The more you drive in a year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage based on their usage. Autos left parked in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your auto insurance policy is rated on the correct driver usage, because it can save money.
Safer cars are cheaper to insure - Cars with high safety ratings tend to have better insurance rates. These vehicles protect occupants better and better occupant protection means lower claim amounts and more competitive rates for policyholders.
An active claims history can cost you - Car insurance companies in Mississippi give cheaper rates to drivers who do not file claims often. If you are a frequent claim filer, you can look forward to higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
Rates may be lower depending on your job - Jobs such as doctors, executives and dentists have the highest average rates in part from high stress and lengthy work days. Other occupations such as actors, historians and the unemployed get better rates.
Lower rates with optional equipment - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your vehicle from being stolen.
Do you have enough liability coverage? - The liability section of your policy provides coverage if ever a jury decides you are liable for personal injury or accident damage. Liability provides legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
Discounts for married couples - Being married actually saves money on your auto insurance policy. It translates into being more mature it has been statistically shown that being married results in fewer claims.

How can GEICO, State Farm and Progressive save drivers who switch?

Auto insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to make the same claim that you can save if you move your coverage to them. How can each company say the same thing? This is how they do it.

All companies are able to cherry pick for the type of customer that is profitable for them. An example of a desirable insured might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. A propective insured who matches those parameters will get very good rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements will have to pay a higher premium which leads to business not being written. The ads say "drivers who switch" not "everybody who quotes" save that much money. That's the way insurance companies can advertise the way they do. Because of the profiling, drivers must quote coverage with many companies. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

The best insurance company isn't always the cheapest

When shopping online for auto insurance, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest price.

Affordable auto insurance is possible on the web as well as from independent agents in Mccomb, and you should be comparing both to have the best selection. Some auto insurance companies don't offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Additional detailed information is available at the Mississippi Insurance Department website. Mississippi drivers can file complaints about an insurance agent or broker, find disaster information, download brochures, and read industry bulletins.