When you're cruising the streets with your new ride, coverage may be the furthest thing from your mind. But how do you ensure you're protected from all the what-ifs? Fortunately, Mississippi car insurance will offer solutions and help calculate comprehensive coverage.

A Mississippi independent insurance agent works with multiple markets at once, giving you options on both policy and price. They'll even do the shopping at no additional cost so that you can save. This makes connecting with a local expert a no-brainer.

What Is Comprehensive Car Insurance?

If you're shopping for Mississippi car insurance, there are a lot of options. Take a look at how your comprehensive coverage works under your auto policy:

• Comprehensive car insurance: This is an optional coverage on every auto policy that helps pay for physical damage to your vehicle when you're involved in a non-collision accident. This can be hitting a deer, having a windshield that needs replacing, and more.

How Much Does the Comprehensive Car Insurance Cost in Mississippi?

First, it's crucial to know what the average car insurance premium runs in your area. Comprehensive coverage will be a portion of your overall rates.

• National average cost of car insurance: $1,311
• Mississippi average cost of car insurance: $1,584

Average auto insurance expenditure in the US in the last year, by age (in US dollars)

To find out the exact costs to add comprehensive insurance to your auto policy, you'll need to run quotes. However, adding comprehensive and collision coverages to your insurance typically doubles your premium. 

How Is Comprehensive Car Insurance Calculated in Mississippi?

Carriers use multiple risk factors when calculating your comprehensive insurance. Something to think about is theft and vandalism to your auto are only covered under comprehensive coverage. Check out the vehicle theft rates per 1,000 people below: 

• National vehicle theft rates: 2.289%
• Mississippi vehicle theft rates: 2.344%

Insurance companies look at prior losses, your motor vehicle records, age, experience, and type of vehicle they are insuring. This makes every premium unique to the owner of the policy.

Which Cars Receive the Lowest and Highest Premiums in Mississippi?

Several factors affect your insurance costs, and the value of the car you drive is one of them. The more money your vehicle is worth, the more expensive your premiums are. 

Most expensive cars available worldwide ranked by price (in million US dollars)

Even if you're not driving around in a million-dollar luxury auto, you'll still spend more money on insurance with a higher valued vehicle. You'll get brownie points if your car has updated safety features and lane keep assist. Either way, reviewing your coverage with a professional is not a bad idea. 

Can I Calculate My Mississippi Car Insurance Rates Myself?

When you're shopping for the lowest-priced car insurance, it might make sense to try and calculate costs yourself. However, obtaining proper protection is a two-person job. Unless you're a licensed agent, you won't be able to figure out your pricing without having access to top-notch carriers. 

It's best to partner with someone who knows a thing or two about insurance. They likely have ways to save you money that you may not know. 

How a Mississippi Independent Insurance Agent Can Help

Comprehensive car insurance in Mississippi can be confusing when you're not a trained professional. With all the options out there, it takes someone with insider knowledge to find the best policies. Fortunately, a trusted adviser can help for free.

A Mississippi independent insurance agent will compare your coverage and premiums through their network of highly-rated carriers. They'll even do the shopping for you at no cost. Get connected with a local expert on trustedchoice.com for custom pricing today.