How to Find Cheap Ridgeland Car Insurance
Finding lower premiums on Ridgeland car insurance is a challenge for consumers new to shopping for insurance online. Consumers have so many options that it can be more work than you anticipated to locate the lowest price in Ridgeland.
Take advantage of discounts
Companies do not advertise every discount very clearly, so we break down some of the more common and also the lesser-known discounts you could be receiving. If you're not getting every credit available, you are throwing money away.
- Seat Belt Usage - Drivers who require all occupants to use a seat belt could cut 10% or more off your PIP or medical payments premium.
- Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% with a few car insurance companies.
- Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- Multiple Policy Discount - If you have multiple policies with the same company you will save 10% to 20% off each policy.
- Passive Restraints - Cars that have air bags may earn rate discounts of 20% or more.
- Military Discounts - Being deployed with a military unit could mean lower rates.
A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.
Are car insurance companies telling the truth?
Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all have a common claim about savings if you switch your policy.
How does each company make the same claim? It's all in the numbers.
Different companies can use profiling for the right customer that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A customer that hits that "sweet spot" receives the best rates and most likely will save when switching.
Consumers who don't qualify for these standards will be quoted higher prices and this can result in business going elsewhere. Company advertisements say "customers who switch" not "people who quote" save that kind of money. That's why companies can truthfully state the savings. This emphasizes why you should get a wide range of price quotes. Because you never know the company that will give you the biggest savings.
Even more information can be found at the Mississippi Insurance Department website. Consumers can find a variety of consumer forms, download brochures, and find out industry alerts.
Also read more on this site for car insurance information in Mississippi and this list of agents in Ridgeland, MS.
Best coverage at the best price
Drivers switch companies for a variety of reasons including being labeled a high risk driver, extreme rates for teen drivers, policy cancellation and even policy non-renewal. No matter why you want to switch, finding a new car insurance company is less work than it seems.
When buying insurance coverage, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy enough coverage at the best price while still protecting your assets.
We just showed you a lot of techniques to reduce car insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest rates come from some of the smallest insurance companies.
