Shopping for auto insurance is hardly a popular pastime, but it doesn't have to invoke the dread of a root canal, either. Mississippi auto insurance quotes are easy to get, but hard to choose. How do you know if you have enough insurance? How do you know what hoops you may have to jump through in order to receive payment on a claim? These answers can feel incredibly elusive, until and unless you take the time to talk to multiple insurers and discuss your financial situation, recent driving record, as well as the value and condition of your car. There's no reason to put it off any longer, but you may want to review this information before you talk to individual insurers.
Mississippi Auto Insurance Quotes: Premiums + Requirements = Value
Mississippi auto insurance quotes are lower than the national average. In 2007, the last year for which reliable data is available, average auto insurance premiums were $680 in the Magnolia State, compared to $795 across the U.S. But Mississippi auto insurance is even better than these numbers suggest, considering the state has relatively high minimum insurance coverage. As a 25/50/25 state, your insurance will cover up to $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. This doesn't necessarily mean you shouldn't consider opting for higher limits, but other states, like New Jersey, require only 15/30/5 with average annual premiums of $1,104.
How are Mississippi auto insurers able to offer such high-value insurance? Some of it may have to do with less expensive vehicles, but the state also has lower accident rates. In general, states with lower population density have lower accident rates and, consequently, lower insurance costs. Naturally, this doesn't mean everybody is going to get incredible auto insurance quotes in Mississippi. A recent drinking and driving charge is the most obvious example, but even if you just own a brand-new, sporty vehicle, you may be surprised by how your rates compare to the state average.
Supplemental Mississippi Auto Insurance
Despite the high allowances for bodily injury and property damage, there are other types of auto insurance that are highly recommended and frequently offered with standard auto insurance policies. Uninsured motorist insurance is, perhaps, the most common type. Despite the high value of auto insurance in Mississippi, relatively high poverty levels also mean you need to protect yourself against this nightmare scenario. Moreover, if you've leased or financed your vehicle, you'll need to carry comprehensive collision coverage to indemnify these third parties. There are a handful of other types of supplemental auto insurance. Maybe you want to insure a pet, have a complimentary rental car when your primary vehicle is in the shop, complimentary towing service, or gap insurance if you owe more on your vehicle than it is currently worth.
Finding Mississippi Auto Insurance Quotes
With well over 100 insurance companies offering auto insurance, it's not hard to find Mississippi auto insurance quotes. In fact, the stress for drivers is more likely to stem from trying to sift through the countless options. Fortunately, NetQuote has the answer for you. Simply fill out a quick online form and we'll match you to those insurers who best fit your insurance needs. You'll still have multiple companies to choose from: There is no quality control like competition, and these companies will know they're competing with other insurers from our database. Better yet, you can compare these quotes from the comfort of your own home, allowing you to side-step many of the high-pressure sales tactics that derive from cold-calling and face-to-face interactions. As soon as you submit a request, insurers will begin to contact you, but it's often helpful to make this request in advance so you'll have the time needed to digest different policy options and prepare for the costs and payment schedule.