Green means go. It also means more bills in your wallet, which is what we like to see. If you’re thinking about switching car insurance providers or shopping for insurance for the first time, you’re going to want to read this first.
We cover everything you could want to know about car insurance in Mississippi, including rates, discounts, coverage options, and more. Living in the Magnolia state is sweet. But it’s about to get even sweeter.
Keep reading.
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Having a car gives you an unparalleled kind of freedom. But with that freedom comes a responsibility to other drivers: to have a minimum amount of car insurance, which protects you and other drivers on the road.
Mistakes happen, but at least with some car insurance you and the other driver are partially protected. By law, you have to have at least the following amount of car insurance before getting behind the wheel:
This is pretty standard coverage and it means that the other driver’s medical bills and car repair costs are likely to be covered if you cause an accident. And it works the other way around too: if a driver causes an accident for you, you won’t have to pay out of pocket to put yourself whole.
If you’re tempted to skip the minimum coverage, think again: the penalties for driving without the minimum coverage are steep. They include:
Driving without insurance isn’t worth it. The good news is that minimum coverage is more affordable than you might think. Stay tuned for that and more.
The minimum requirements are designed to be the bare minimum. But these coverage amounts can quickly get depleted in a bad accident. Plus, they leave you exposed financially since they don’t protect you and your vehicle.
So, what are your options for more coverage? Let’s explore:
These are your main coverage options that help you put together a policy above and beyond the state minimum requirements. You can pick the coverage you want and leave what you don’t, as long as you have liability.
But there’s even more coverage options that you can add onto your policy:
These are just some options out there. You might find more (or less) depending on the insurer. These optional coverages are exactly that: optional. If it makes sense for your peace of mind and your budget, add them. If not? Move on.
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We know this is the question on everyone’s mind when they start to explore car insurance. It can be a big expense, and because it’s not optional if you want to drive, it’s important to understand what you can expect to pay.
The good news is, car insurance is affordable in Mississippi. In fact, it ranks among the top 20 states with the cheapest auto insurance. This is likely due to low population density and fewer natural disasters.
Minimum coverage will set you back, on average, $523 per year, while full coverage costs $1,112 per year on average.
These numbers can vary widely depending on a number of factors, including:
For example, drivers with a violation on their record pay $1,370 per year, while an 18-year-old will pay $2,680 per year.
Even though Mississippi car insurance is known to be affordable, you can still benefit from savings. More on that next.
No one turns down extra savings, even when they’re getting a good deal. These tips will show you how to maximize your car insurance savings, even if you’re already getting a competitive rate.
There you have it: our top tips for saving on car insurance. From Saucier to Starkville, Moss Point to West Point, and everywhere in between, Mississippians deserve and can have affordable car insurance that fits the bill. It’s as simple as that.
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Getting quotes is the easy part. Understanding what you’re looking at? Not so much. But now that you’re well versed in the world of car insurance, it should be a breeze. Start by getting quotes from multiple providers, either online or by phone.
You can also reach out to an insurance agent to help guide you through the process. Be sure to have the relevant information handy, like your driver’s license, previous insurance, vehicle make and model (or VIN if you have it), and of course your personal info like address, age, gender, and more.
Once you’ve compiled at least three quotes, take your time reviewing them before choosing the winner. Rates are important, but so is good coverage that helps you out of a stressful situation if and when you might need it.
Remember: anything that seems too good to be true probably is (read this for more info). Save yourself some trouble. Get access to free quotes fast here, and get on with your day.
You’re ready to hit the gas. Now that you know what to look for, the last stop is signing on the dotted line and hitting the open road. If we can remind you of one thing, it’s that you shouldn’t settle when it comes to car insurance. And in Mississippi, where it’s more affordable than most states, you can afford to splurge on a little extra coverage that gives you peace of mind.
Don’t delay. Set up your new car insurance policy now by getting access to free quotes fast here.
We’ve got you covered.
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Claire Smith Claire is a creative entrepreneur with a variety of marketing and content creation skills, including blog and web copy writing, research, and strategy. She has a Masters in Cultural Studies from Queen's University and is known for thinking laterally about marketing, based on her deep knowledge of people and behavior.
