Comparison shopping for Pascagoula auto insurance can seem to be difficult for consumers new to buying insurance online. There are so many companies to choose from that it can turn into a real hassle to compare prices in Pascagoula.
Consumers need to price shop coverage occasionally since rates are adjusted regularly by insurance companies. Just because you had the best price a few years ago a different company probably has better rates today. There is a lot of bad advice regarding auto insurance online but we’re going to give you the best ways to put money back in your pocket.
Don’t overlook these ten discounts
Companies that sell car insurance don’t always list every available discount very well, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.
- Federal Employees – Being employed by or retired from a federal job can save as much as 8% depending on your company.
- Homeowners Savings – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
- Paperwork-free – Some insurance companies give back up to $50 just for signing your application on their website.
- Early Signing – Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
- Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
- Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
- Save over 55 – If you qualify as a senior citizen, you may receive better auto insurance rates.
- Lower Rates for Military – Having a deployed family member could mean lower rates.
- Accident Forgiveness – A few companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
Drivers should understand that most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.
To choose companies offering auto insurance discounts in Mississippi, click here.
Automobile Insurance Quotes in Pascagoula, MS
To find the best auto insurance prices, there are several ways of comparing price quotes from different in Pascagoula, MSinsurance companies. One of the best ways to find the lowest rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.
The fastest way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do a different quote for each company. One form submission will get you price quotes from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
A more difficult way to find lower rates consists of going to each individual company website to request a price quote. For example, we’ll pretend you want to compare Geico, Safeco and Progressive. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker.
For a list of links to companies insuring cars in Pascagoula, click here.
It doesn’t matter which method you choose, just be sure to compare identical coverage limits for every quote you compare. If you have mixed coverages it will be impossible to find the best deal in Pascagoula. Having just a slight variation in coverage limits may result in large price differences. And when comparison shopping, obtaining a wide range of quotes helps locate lower pricing.<img class="alignright" style="padding-top:15px" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-83.jpg" alt="Pascagoula MS insurance quotes” />
The coverage is in the details
Knowing the specifics of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Comprehensive protection – This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as fire damage, damage from flooding, damage from getting keyed and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured or underinsured coverage – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your vehicle.
Since many Mississippi drivers have only the minimum liability required by law (Mississippi limits are 25/50/25), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Collision coverages – This coverage will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like colliding with another moving vehicle, driving through your garage door, damaging your car on a curb, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.
Auto liability insurance – This will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for claims such as structural damage, repair costs for stationary objects, legal defense fees, medical services and court costs. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford. Mississippi state law requires minimum liability limits of 25,000/50,000/25,000 but it’s recommended drivers buy more liability than the minimum.
Medical expense coverage – Med pay and PIP coverage pay for expenses such as EMT expenses, chiropractic care, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible
In conclusion
You just read a lot of tips how to shop for auto insurance online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a smaller regional carrier.
Low-cost auto insurance is attainable on the web and with local Pascagoula insurance agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, an insured dropped collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at the best price.