Mississippi Auto Insurance
Are you tired of paying high Mississippi auto insurance premiums? Would you like to find good coverage with the protection you need—and have money left over to provide for your family's needs?
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Understanding Mississippi Auto Insurance
According to the Mississippi Department of Insurance, auto liability insurance provides the best way to protect yourself financially in case of an accident.
Mississippi auto insurance, and liability protection in particular, pays for damage you cause other people and their property through your own negligence. It also protects your assets and wages from seizure and litigation when the accident is your fault.
For your own protection, make sure you purchase plenty of Mississippi auto insurance before you or your family actually needs it!
State Requirements
Mississippi law mandates that all drivers maintain liability insurance on their vehicles. In addition, you must carry a valid Mississippi auto insurance card in your car at all times as proof of this financial commitment. However, this is the only type of auto insurance you must buy.
As a low-income state, Mississippi has traditionally held the lowest minimum automobile liability limits in the country. However, recent legislation, which took effect in January 2006, upped those limits, placing them more in line with minimum limits in most other states.
This new legislation requires you to carry the following Mississippi auto insurance liability minimums:
$25,000 bodily injury per person
$50,000 bodily injury per accident
$25,000 property damage
Although these increased limits help protect you against financial responsibility in an accident that's your fault, keep in mind that they serve only as a guideline for your Mississippi auto insurance purchase—and they pay only for other drivers and their vehicles.
If you want to ensure coverage for yourself, your passengers and your own car, there are several other types of Mississippi auto insurance coverage you should consider. Read on to examine each one.
Covering Yourself & Your Automobile
Optional Mississippi auto insurance protections you might want to consider include:
- Collision—pays for damage to your car when you're involved in a collision with another car or object
- Comprehensive—reimburses you if your car is stolen or suffers damage from an "act of God," such as hail or lightening
- Medical payments—pays for your medical expenses when you're injured in an accident
These types of insurance further protect you and your family in case of an auto accident. Ask a licensed Mississippi auto insurance agent to further explain these coverages and their related prices, and to help you determine whether or not you need them.
Keeping Costs Down
Tips for lowering your Mississippi auto insurance premium include:
- Drive safely
- Maintain a good payment record
- Find out what insurance will cost before you buy a car
- Set deductibles at the highest levels possible
- Inquire with your Mississippi auto insurance company about any discounts available, such as multiple-auto or multiple-policy
- Comparison shop through an insurance referral service like InsureMe
For Additional Information
Thank you for visiting our Mississippi auto insurance information site. We hope we have provided you with sufficient information to make a wise decision regarding your auto insurance.
If you have further questions or need more information about Mississippi auto insurance, speak to a licensed Mississippi auto insurance agent, or contact the Mississippi Department of Insurance online at www.mid.state.ms.us.
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