Is Your Corinth Mississippi Car Insurance Too High?

Shopping online for Corinth car insurance is challenging if you are a beginner to online rate quotes. But don’t be discouraged because online price shopping is actually quite simple.

Smart consumers take time to get comparison quotes at least once a year because rates are rarely the same from one policy term to another. Despite the fact that you may have had the best price two years ago there may be better deals available now. Starting now, ignore everything you know about car insurance because I’m going to teach you how to quote online to find lower rates on car insurance.

If you have a current car insurance policy or are just looking to switch companies, you will benefit by learning to find the best rates and possibly find even better coverage. Shopping for cheaper car insurance in Corinth is easy if you know what you’re doing. Mississippi drivers only need to know the best way to compare rates online.

Discounts can save BIG

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied at quote time, but a few must be manually applied in order for you to get them. If you don’t get every credit you deserve, you’re just leaving money on the table.

• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
• Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts up to age 25.
• Military Rewards – Having a deployed family member could mean lower rates.
• Discount for New Cars – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
• Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates than less cautious drivers.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, you’re out of luck. But any discount will cut the amount you have to pay.

Do drivers who switch really save $448 a year?

Consumers can’t get away from ads for car insurance savings by companies like Allstate and Progressive. All the companies make an identical promise that you’ll save big if you change to them.

How do they all make the same claim?

Different companies are able to cherry pick for the right customer that is profitable for them. A good example of a profitable customer might be profiled as a mature driver, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get very good rates and therefore will pay quite a bit less when switching companies.

Potential insureds who do not match the requirements must pay a more expensive rate and ends up with business not being written. The ad wording is “drivers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently advertise the way they do.

This illustrates why drivers should compare many company’s rates. It’s impossible to know which insurance companies will provide you with the cheapest rates.

More information about car insurance

More information is available on the Mississippi Insurance Department website. Click here for link. Mississippi drivers can read state legal mandates and laws, discover disciplinary actions, and view a list of available companies.

Other informative sites include this online resource for free quotes in Mississippi and this link which helps you find a Corinth agent.

More comparisons equals lower rates

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

The cheapest car insurance can be bought from both online companies and with local Corinth insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

We covered some good ideas how you can get a better price on car insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising.