Mississippi Auto Insurance

state of MississippiState law requires that all motorists carry a liability policy at all times while operating their vehicles. Due to the fact that this is required, it may be wise to complete a comparison of quotes from various companies in order to ensure that the best rate has been found from a reliable insurer.

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Obtaining the rates of various carriers no longer has to be the chore that it once was. In the past consumers were relegated to either calling various insurers individually or having to visit the offices of agents or brokers. Thanks to the Internet there are several websites available that will provide multiple rates from a variety of carriers within minutes. This can help save valuable time as well as make finding affordable Mississippi car insurance coverage a whole lot easier.

Getting Cheap Car Insurance in Mississippi

The most important step to finding the cheapest coverage is to get as many quotations from different companies as possible. This is simply due to the fact that each company will charge every driver differently. By comparing MS auto insurance prices from different insurers consumers will quickly realize that the cost of premiums can vary significantly. This allows the consumer the ability to see what price range they can expect to pay and discard any quotes which may seem unreasonable.

Many providers offer various discounts. When trying to find a lower premium be sure to ask about any discount which may apply. Some of the most common items that will offer a reduction in premiums are as follows:
  • Good driver
  • Good student ( "B" grade point average or higher)
  • Completion of a safe driver course
  • Safety equipment  (airbags, anti-lock brakes, automatic seatbelts, etc.)
  • Anti-theft devices (low-jack, alarms, etc.)
  • Multi-car
Although finding the lowest price is important to many, one should not choose to buy Mississippi car insurance from a provider based on cost alone. An individual should make sure that there carrier is financially stable enough to honor any claims that may be filed. One can easily check on a company's financial strength through various agencies available online.

Mississippi Auto Insurance Laws

The Mississippi car insurance laws state that drivers maintain the minimum liability requirements at all times while occupying the roadways. These policies consist of two parts. Bodily Injury and Property Damage. The following are the minimums required:
  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more people
  • $25,000 for the property damage of another party
laws of justiceOne should be aware that this only compensates the other parties involved in the traffic accident. This does not compensate the policyholder for any injuries or damages they sustain. According to the MS compulsory liability automobile insurance law, motorists must keep a proof of coverage in their vehicles at all times. Failure to maintain a policy can result in a fine of $1,000 and suspension of driving privileges for one year or until proof of coverage is shown. Not being in compliance can become more costly than being insured in the first place.

Questions Related to MS Coverage

  • Are Proof of Auto Insurance Cards Required in Mississippi?

    Mississippi flag shaped as the stateMississippi law mandates that all motorists in the state maintain liability insurance with minimum limits of 25/50/25 and carry an insurance card as proof that this coverage has been purchased and maintained. These requirements were enacted by state legislators in 2000 and...

  • Should I Buy MS Auto Insurance for Crashes with Uninsured Drivers?

    American flag and the state of MississippiIf finances permit, it may be a good idea for Mississippians to purchase a car insurance policy that protects against damages caused by uninsured drivers. That's because, despite the fact that practically all drivers in the country have a legal obligation to carry...

  • Does Mississippi Have Compulsory Auto Liability Insurance?

    Mississippi state flagSince Jan. 1, 2001, motorists in Mississippi have been required to maintain automobile coverage that includes liability insurance to lawfully drive. Because these laws are not enforced through vehicle registration, motorists must carry proof that a policy has been purchased at all times while...

News for Mississippi Auto Insurance

  • Auto Insurance Payouts Roll In for Mississippi's March Hailstorm

    May 15, 2013 - Payouts for policyholders are pouring in after Mississippi was hit with harsh weather in March that rained pieces of hail on the state in record-breaking sizes. Up to the latest reporting period, which ended April 30, there have been 40,801 personal Mississippi auto insurance claims relating to the hailstorm and about $155 million ...

  • Miss. Hailstorm to Cost Car Insurers More Than $24.5 Million

    April 5, 2013 - Severe hailstorms that struck Mississippi last month resulted in tens of thousands of auto-related insurance claims and tens of millions of dollars paid out to policyholders, according to newly released claims data from regulators. According to the latest figures provided to Online Auto Insurance News (OAIN) by the Mississippi ...

  • Court: Tenn. Insurance Law Still Applies in Miss. Accident Claim

    March 7, 2012 - The 5th U.S. Circuit Court of Appeals ruled on Tuesday that limitations on a Tennessee woman's uninsured/underinsured motorist (UM/UIM) policy should still apply to a claim that originated with a crash that occurred in Mississippi. According to court documents, the woman who brought the case ...

Mississippi Car Insurance Articles

  • Mississippi Auto Insurance Required for Licensed Drivers

    Dec 29, 2011 - Being a licensed driver in the Magnolia State also means complying with compulsory liability insurance requirements or facing an assortment of consequences. Motorists must be able to pay for damages they cause while...

  • Making Mississippi Auto Insurance Payments

    Oct 06, 2011 - If a Mississippi motorist owns and operates a car, they must be able to prove that they can be financially responsible for potential accidents. Although residents have the option of posting a bond or making a cash/security deposit equal to a...

Resources Regarding Mississippi Insurance