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Auto Insurance Discounters in your state
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This page provides the latest info on car insurance in the state of Mississippi.
Scroll down and learn how to score the lowest premium rates on your Mississippi car insurance policy.
Mississippi state law doesn't require auto insurance, as car owners do have the option of posting cash bonds to cover the costs of future auto accidents.
So, in a sense, the state still forces drivers to buy car insurance, since accidents are often too costly for most of us to handle on our own.
photo: msjphotography.com
AVERAGE AUTO INSURANCE RATES
The Average Annual Auto Insurance Premium in the state of Mississippi was $1,410 this year, according to data collected from insure.com.
This average rate is not too far above the overall national average annual car insurance premium rate, which was about $1,365 at the time.
Despite the fact that Mississippi has a relatively high rate of speeding deaths compared to other states, car insurance is set at a more manageable level, to accommodate the relatively poor economy.
minimum liability coverage for vehicles owned in mississippi
The minimum auto insurance liability coverage available in the state of Mississippi is 25/50/25 per vehicle.
That means
- $25,000 in coverage against personal injury
- $50,000 in coverage against injury to others
- $25,000 to cover the cost of property damage
Most Mississippi drivers who buy car insurance purchase the minimum coverage, despite the fact that experts recommend 100/300 of injury coverage for each vehicle owned in the United States.
Experts also recommend Uninsured Motorist Insurance (UMI) for Mississippi drivers, as nearly 1 in 4 vehicles on Mississippi roads is uninsured.
penalties for uninsured drivers in mississippi
Driving an uninsured vehicle in the state of Mississippi, without proof of ability to pay for accidents, results in a $500 fine and a suspended license for up to one year.
Despite the high rate of uninsured drivers in the state, the rate is still lower than it was a couple of years ago, when car insurance was too expensive for many Mississippi residents to afford.
Today, Mississippi has the 2nd highest rate of uninsured drivers (more than 23%) of all U.S. states, although the state used to take 1st place with 28% of Mississippi drivers operating uninsured vehicles.
Auto Insurance Discounters in mississippi
Car insurance carriers in Mississippi, and in most U.S. states, offer various discounts to promote good driving habits and to get you to buy their policies.
Lowering the cost of auto insurance often depends on grabbing a lot of discounts, which can be combined into a single policy. Discounts offered by car insurance carriers include
- Accident Free discounts
- Good Driver discounts
- Good Student discounts
- Senior Citizen discounts
- Multiple Policy discounts
- Passive Restraint discounts
- Vehicle Safety discounts
...to name just a few.
The most cost effective way to reduce your car insurance premiums is to qualify for as many special discounts as you can get.
Ask every insurance agent you speak with about their discounts. Most car insurance carriers can become auto insurance discounters of you know the right questions to ask.
obtaining car insurance quotes in mississippi
According to consumer reviews and statistical reports, the top auto insurance discounters in Mississippi are major carriers, namely
- Allstate Insurance
- Geico
- Liberty Mutual Insurance
- State Farm Insurance
- 21st Century Insurance
in that order.
At the same time, many Mississippi car owners prefer local carriers such as Direct General.
Mississippi is home to many thousand insurance agents offering all kinds of car insurance policies at competitive rates.
Just get a few free quotes online. Then contact a few local agents by phone for additional free quotes, and don't forget to ask about their DISCOUNTS!
Finally, factor in the discounts you qualify for, and choose whichever policy best suits your insurance needs and has the lowest annual premium rate.
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