Never Quote Long Beach, MS Car Insurance Without Knowing These Money Saving Methods

Finding lower rates for Long Beach car insurance can seem to be difficult for consumers new to buying insurance online. People have so many options available that it can turn into more work than you anticipated to compare prices in Long Beach.

Lots of discounts mean lots of savings

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be specifically requested before they will apply.

• Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
• Drive Less and Save – Fewer annual miles could qualify for a substantially lower rate.
• Passive Restraints and Air Bags – Factory air bags can get savings of up to 25% or more.
• Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
• Good Student Discount – This discount can get you a discount of up to 25%. The discount lasts until age 25.
• Accident Waiver – A handful of insurance companies permit an accident without raising rates so long as you haven’t had any claims for a certain period of time.
• Safe Driver Discount – Safe drivers may receive a discount up to 45% less than less cautious drivers.
• Discount for New Cars – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
• Payment Discounts – If you pay your bill all at once instead of paying each month you could save 5% or more.

It’s important to understand that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. Any qualifying discounts will reduce your premiums.

To see a list of insurers who offer car insurance discounts in Long Beach, click this link.

Long Beach Car Insurance Prices Online

All major car insurance companies such as Progressive, GEICO, Allstate and State Farm quote insurance quotes on the web. Obtaining pricing is pretty painless as you just type in your required coverages as requested by the quote form. Upon sending the form, their system automatically retrieves your credit score and driving record and quotes a price.

Online price quotes makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s very important to compare as many rates as possible in order to get the lowest car insurance rates.

The easy way to compare rates

A quicker way to compare rates makes use of a single form to obtain quotes from many companies. The form is fast, eliminates form submissions, and makes online price comparison much easier to do. After sending your information, your coverage is rated and you can select your choice of the quotes returned.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process can be completed in a matter of minutes and may save quite a bit of money.

To compare rates now, click here to open in new window and submit the form. If you currently have coverage, we recommend you duplicate as close as possible to your current policy. Doing this guarantees you will have rate quotes using the same coverage and limits.

Quote often and quote early

Budget-conscious car insurance can be found both online in addition to many Long Beach insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

People who switch companies do it for a variety of reasons including high rates after DUI convictions, poor customer service, unfair underwriting practices or extreme rates for teen drivers. It doesn’t matter what your reason, finding a new company is pretty simple and you could end up saving a buck or two.

When you buy insurance online, make sure you don’t reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.