Mississippi Car Insurance
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Important Information about Mississippi Car Insurance
Mississippi requires its drivers to purchase only liability insurance, which pays for injuries and damage you cause other drivers when you are at fault in an accident.
After years with the lowest auto liability limits in the nation, Mississippi has now upgraded its requirements for drivers purchasing Mississippi car insurance. Below, compare previous minimums required with new Mississippi car insurance minimums:
Previous | New | |
Bodily Injury per person | $10,000 | $25,000 |
Bodily Injury per accident | $20,000 | $50,000 |
Property Damage | $5,000 | $25,000 |
Optional Coverage
Mississippi car insurance companies also offer additional protections through coverage not extended in state-mandated minimums. These types of insurance further protect you and your family in case you're involved in a car accident.
Some of these extra options you may want to consider include uninsured motorist, medical payments, comprehensive and collision.
Ask a licensed Mississippi car insurance agent to explain these additional policies, what they cover and their prices to determine whether or not you need to purchase any of them.
What Determines the Price You Pay?
Pricing amongst Mississippi car insurance companies varies greatly, so be sure to comparison shop from insurer to insurer.
Overall, premiums are based mostly on these factors:
- Geographic area you live and drive in
- Your age, gender and marital status
- Any and all prior insurance coverage
- Coverage limits chosen
- Your car's make and model
- Your annual mileage
- Your driving record
- Your credit history
- The driving records of other drivers in your household
Remember that no Mississippi car insurance policy is standard, so insurers are quoting you prices based on the information you give them. Therefore, it is very important to give each Mississippi car insurance company the same information regarding these factors to ensure comparable coverage.
Insurer Ratings
It is important to closely examine the financial stability ratings and complaint history of any Mississippi car insurance company you are considering doing business with. This type of information can be obtained through the following independent consumer rating companies, provided by the Insurance Information Institute (I.I.I.):
- Standard & Poor's Insurance Ratings Service
55 Water St.
New York, N.Y. 10041
212-438-2000
www.standardandpoor.com - Weiss Research
4176 Burns Road
Palm Beach Gardens, FL 33410
800-289-9222
www.weissratings.com - A.M. Best
Oldwick, New Jersey 08858
908-439-2200
www.ambest.com - Moody's Investors Services
99 Church St.
New York, N.Y. 10007
212-553-0300
www.moodys.com
Filing Claims
If you feel your Mississippi car insurance company has treated you unfairly or delayed in processing your car insurance claim, contact the Mississippi Insurance Department's Consumer Services Division toll free at 800-562-2957 for help.
Give them the following information so they may investigate your claim:
- Your name, telephone number and relationship to the insured
- The insured's name, address and phone number
- The name of the insured's Mississippi car insurance company, their address and phone number
- The policy type and number
- The related accident claim number and date of loss
The Mississippi Department of Insurance exists to help you, so take advantage of this free resource if you find yourself in an unpleasant situation with your Mississippi car insurance provider.
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