Posts Tagged ‘mississippi auto insurance’

Find Cheaper Car Insurance in Mississippi

Thursday, June 9th, 2011

Mississippi drivers who are willing to do some homework will be rewarded with cheaper car insurance coverage. The first step to finding the right coverage is for the vehicle owner to review the type and level of coverage currently in force to determine whether it provides adequate protection. Car insurance needs change over time, and a policy that was the right choice for a new driver may not fit a person who has been licensed for a few years.

A driver who has completed the policy review can then go on to get quotes for coverage from a number of car insurance providers. Rates can vary significantly between companies, even for the same type and level of protection. Going online is an easy and convenient way for consumers to find out how much different companies would charge, since a number of providers offer free quotes from their web sites.

A consumer will need to provide some basic information about his or her location, driving record and the make and model of the vehicle to be insured. The quote will be generated based on this information; the driver will have to formally apply for coverage and the insurance company will pull his or her driving record before issuing a policy.

Increasing the policy deductible will help a driver to keep premium rates down. When drivers agree to pay more toward the cost of claims made against the policy can qualify for lower rates and a driver should consider whether paying this amount would create financial hardship before increasing it.

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Posted in Cheap Auto Insurance, Mississippi, USA |

10 Cars Most Likely to be Stolen in Mississippi

Saturday, May 14th, 2011

When Mississippi car insurance companies are setting rates for their policyholders, one of the factors they consider is whether the make and model to be insured is likely to be targeted by thieves. If you choose to drive one of the following vehicles:

1. Chevy Pickup – Full Size (1994)
2. Ford F150 Pickup (2006)
3. Chevrolet Impala (2005)
4. Chevrolet Caprice (2001)
5. Dodge Ram (2001)
6. Honda Accord (1996)
7. Oldsmobile Cutlass/Sierra/Supreme (1995)
8. GMC Pick-up – Full Size (1997)
9. Buick Lesabre (1990)
10. Mercury Grand Marquis (1997)

If you are in the market for a car, make a point of getting quotes for the models you are considering before you make your decision. Buying insurance coverage is part of the cost of owing a vehicle, and you will want to be sure that you take it into account when you are figuring out your car purchase budget.

Whether the car is likely to be targeted by thieves is only one criteria that insurance companies consider when setting rates for coverage. They also consider how expensive a particular vehicle is to repair. Drivers who buy vehicles which are pricey to repair will end up paying higher rates for their coverage.

The location where the vehicle will be garaged is another part of the equation when it comes to buying coverage. Consumers who live in an area with a history of numerous car thefts or acts of vandalism involving vehicles will pay higher rates for their coverage as well. Storing the vehicle in a locked garage, as opposed to parking it on the street, can effects rates and the insurer should be aware of this fact.

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Posted in Mississippi, USA |

Is Mississippi a No-fault Car Insurance State?

Saturday, March 12th, 2011

Mississippi is not a no-fault state for car insurance purposes. When an accident occurs, an investigation is conducted to determine which driver was responsible for the accident. The at-fault driver is responsible for paying for the damages he or she caused.

People who have been injured in motor vehicle accidents have the right to sue to get compensation for their medical and rehabilitation expenses, as well as lost wages. All drivers in the state are required to have bodily injury liability coverage in place to pay for these types of expenses.

The at-fault driver in an accident is also responsible for paying for the cost of repairs to the other driver’s vehicle. The property damage portion of the insurance policy is used for this purpose.

Since Mississippi has adopted a tort system for car insurance purposes, it’s important for drivers to have a good level of coverage in place. If the responsible driver doesn’t have enough insurance coverage to pay for the damages caused, he or she will be responsible for paying the difference personally.

Rather than limiting the policy limit to the minimum level  of coverage required by law, Mississippi car insurance buyers  should consider buying one that provides a higher degree of protection. Car insurance coverage is meant to protect the policyholder’s assets, and skimping on coverage may end up having significant financial consequences if an accident occurs.

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Posted in Mississippi, USA |

Average Cost of Mississippi Auto Insurance in 2011

Friday, February 25th, 2011

Mississippi auto insurance customers are paying an average of $1,116 for their coverage in 2011. This figure is below the national average, which is $1,440. Even if a customer is paying rates that are at or below the state average, there still may be room for improvement. Shopping around and getting quotes from several companies will help a person buying car insurance in MI find out whether he or she is getting the best rates or if it’s time to consider changing providers.

Going online to look for auto insurance makes the process an easy one. The best time to start getting quotes from multiple providers is a couple of months before the existing policy is due to expire. Before asking for quotes for coverage, the customer should take the time to consider what type and level of protection he or she needs. A person who has recently paid off his or her car may not want to continue paying full coverage for it, since the vehicle may have little cash value by that point.

A customer can get online quotes by visiting individual web sites that he or she is interested in, or by visiting a web site with an insurance quote tool that can generate prices from multiple companies at once. Either approach can help a customer get an idea of whether he or she is getting the best prices on his or her coverage. Visiting a single web site is a good choice for those customers who want to get this information quickly.

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Posted in Mississippi, USA |

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