Mississippi Car Insurance Coverage


Mississippi welcome signMaintaining an automobile protection plan in Mississippi is not only important, but also required by state law in order to operate a motor vehicle; to keep coverage costs low residents can shop around for the lowest priced policies. In order to get the perfect balance of coverage and affordability motorists in the Magnolia State are encouraged to compare quotes from a wide variety of insurers that incorporate increased amounts of vehicle protection. One of the quickest and most efficient ways of accomplishing this is with an online quote comparison that gathers numerous estimates from dozens of insurers.

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Having a vehicle protection plan is a necessary part of being a motorist in the Magnolia State. Vehicle owners are required to purchase a policy that includes liability insurance and carry proof of auto insurance within the insured automobile at all times. Although residents are technically able to fulfill these state requirements by either posting a bond or making a cash/security deposit equal to the minimum requirements, many vehicle owners choose to simply purchase a policy instead. To keep coverage affordable residents may want to take the time to research a variety of plans, compare costs, and consider additional coverage in order to avoid costly charges after an accident.

One of the simplest ways to locate affordable automobile coverage is to shop around for the lowest prices. Comparing quotes allows residents to determine which providers are more competitively priced and is generally considered as an excellent starting point for further investigations. Instead of calling insurers individually, MS motorists can utilize the Internet to complete an online quote comparison, gathering numerous estimates from dozens of insurers in a single convenient location. While making an auto insurance comparison it's important to ensure that a company is licensed to do business in the Magnolia State and that they are offering an adequate amount of coverage before making a purchase. Although premium prices may be slightly higher with additional protection, it's important that residents avoid potentially costly repairs or medical expenses by purchasing an appropriate amount of vehicle coverage.

MS automobile owners are only required by law to carry liability insurance that covers $25,000 for bodily injury or death of a single person, $50,000 for two people or more, and $25,000 for property damage. Although this may seem adequate for many motorists, this basic liability does not cover damages to a policyholder's own vehicle, which could potentially leave a motorist with expensive repair or medical bills after an accident. Without additional coverage a motorist may also be vulnerable to a wide variety damages that would not be covered by an insurance company. By including comprehensive and collision coverage, for example, an insurer would likely cover vehicle repairs that are required as a result of a collision with another automobile, or from damage sustained outside of an accident such as from falling objects, fire, flooding, vandalism, or theft.
Fact about Mississippi from the USDOT
In the event that a vehicle owner is struck by a motorist that does not have Mississippi auto insurance then the resident may not be able to collect damages unless they choose to include Uninsured/Underinsured Motorist (UM/UIM) protection. According to the Insurance Research Council, in 2009 nearly 28% of motorists within the state were uninsured, giving Mississippi the highest percentage of uninsured motorists in the nation. For this reason residents are encouraged to include UM/UIM protection in order to help avoid unfortunate expenses. In order to find a cheap policy that could end up saving a motorist from expensive charges after an accident, residents should complete a quote comparison with these extra forms of protection in mind, locating a reasonably priced plan that still offers an adequate amount of protection.