In Mississippi, drivers are required to carry liability car insurance that pays for damage caused by them and provides legal protection if someone files a claim against them. When selecting liability limits, make sure there’s enough coverage for medical bills, property damage and other costs that might arise as a result of a crash.
Drivers with a clean driving record often pay less for car insurance than those who don’t, so it’s essential to make sure your policy is up-to-date. Furthermore, check if your company offers discounts for things like military membership, homeownership or going paperless on your policy.
Finding the most affordable auto insurance in Mississippi requires getting quotes from multiple companies. MoneyGeek’s car insurance calculator makes this easy by taking into account multiple factors and giving an estimate of what you might pay for coverage in Mississippi.
Rates for auto insurance in Colorado can vary widely based on several factors, including your age, where you live and the amount of coverage desired. On average, drivers in more expensive parts of the state tend to spend an extra $450 annually than their counterparts living in cheaper areas.
Credit scores are another factor that impacts car insurance costs in Mississippi; drivers with poor credit tend to pay 155% more than those with excellent ones.
Minimum Coverage & Add-Ons
In Mississippi, drivers must purchase three mandatory levels of coverage: minimum liability, full coverage and uninsured/underinsured motorist protection. These are the bare minimums which leave you vulnerable if involved in an accident. You can increase your protection by purchasing additional insurance policies such as comprehensive or collision which will protect your car in case it’s stolen or damaged due to said incident.
It is wise to purchase comprehensive and collision insurance, which will cover repairs or replacement if your car is damaged in a collision with an uninsured driver. These policies also protect against theft, vandalism and weather events.
A full coverage policy in Mississippi may cost more than a minimum liability policy, but the extra protection it offers against injuries and property damage is well worth the additional expense. It’s especially beneficial if you drive an expensive sports car.
Add A Teen to Your Policy
In Mississippi, the cost of adding a teenager to your insurance policy can be particularly high. Compared with other states, adding a teenager can multiply your premiums up to 3.1x.
Young drivers typically pay more for their insurance since they’re considered higher risks. To reduce these rates, consider taking a safe driving course or enrolling in a defensive driving program.
The Best Car Insurance Companies for Good Drivers in Mississippi
Direct Auto and USAA offer low premiums to customers with no accidents or citations on their records. You may even qualify for a discount if you take a defensive driving class or go paperless with your policy.