Affordable Car Insurance Auto Insurance in Mississippi - Compare Rates




Jackson, Gulfport, Hattiesburg, Southaven, Starkville, Grenada, Greenwood....... No matter in which part of Mississippi you live, if you own a car then auto insurance is a must for you. The State follows a Tort system which means that someone is found guilty and that person's insurer will pay for all the damages. It is mandatory that you buy minimum liability and maintain its proof all the time.


The state has increased the liability from January 1, 2006. Now you need to pay the following to ensure that you are on the right side of the law.

Bodily liability injury
>> This coverage pays for the injuries you caused to others while driving.
>> The limit is $25,000 per person (in a single accident) and $50,000 per accident.

Property damage liability
>> It will pay for the damages you cause to property and possessions of others involved in the accident. It will include labor costs related to car repair, cost of replacing all valuable items inside the car plus repairs to other objects that you may have damaged. This can be anything from a fence, a tree or even a mailbox.
>> The limit is $25,000 per accident.

You can also add Uninsured/Underinsured Motorist Bodily Injury coverage to your insurance. If you are involved in an accident caused by an uninsured and/or underinsured driver, your insurer will obviously not provide any cover as you only have bodily injury and property damage liability and also the at-fault driver won't be in position to pay. In this case this coverage will be of importance.

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It is not necessary that you always purchase insurance to satisfy minimum liability, you can either have a certificate of bond for the same amounts or cash or security deposit equal to the minimum requirements. But it will be better if you purchase insurance as it is most effective to protect you financially. Keep in mind that the bond and cash will only be useful if you are responsible for an accident but no reimbursement will be given in case you are not at-fault.

If you don't maintain insurance then the penalty can be as high as $1,000 and also suspension of driving privileges for one year or until you show the proof of insurance.

It is the law that you have to purchase car insurance in Mississippi. You cannot change that, what you can do is save on insurance by following few things. Use internet to obtain the best quotes from several companies. Using the web will enable you to get quotes without any hassle. While considering various companies, keep in mind that lower insurance rate is not the only way to judge.

You should check the company's ability to pay claims and also check the consumer and financial ratings to take an informed decision.

Many insurers will calculate insurance on how much you drive every month. If you can reduce your driving, you may be able to avail Low Mileage Discount.

Insurers also provide Good Student Discount if you can maintain at least a 3.0 grade point average.

If you have installed anti-theft devices in your car and take extra care to park your car in garage every night, it will help you emphasize the fact that the car is safe and less prone to thefts and damage. This will further take down your insurance rate.

Keeping a clean driving record also helps in a big way. No speeding tickets or a DUI or a DWI makes you a safe driver. This will help you to get a better deal. A lower deductible means your insurer will have to step in every now and then to pay for smaller damages. This will increase your premium amount. Instead go for a higher deductible (only if you can afford it).

All this measures will surely reduce your insurance premium and help you buy an affordable policy.

Smart shopping!!

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