When you're cruising the roadways, it's important to understand how your coverage works. In most states, protection is a requirement when it comes to motor vehicles. If you're searching for the best Mississippi car insurance for the lowest rates, consider working with a professional.

A Mississippi independent insurance agent has access to multiple markets, saving you time and money. Since they do the shopping for free, it makes sense to use an adviser. Connect with a local expert to get started at no cost. 

What Is Car Insurance?

In Mississippi, car insurance is a required policy governed by state law. Each road warrior will need to obtain the state minimum limits of protection.

Car insurance coverage requirements explained:

• Minimum limits of auto liability in Mississippi: $25,000 per person/ $50,000 per accident/ $25,000 property damage
• Property: Coverage for damage to vehicles and outside property
• Liability: Coverage for bodily injury or property damage
• Medical: Coverage for your medical expenses due to an at-fault loss

Most of the time, the minimum liability limits are not enough and could leave you exposed. It's crucial to preselect the proper protection from the get-go.

How Much Is Car Insurance in Mississippi?

Car insurance pricing varies from person to person. That's because you'll have different risk factors than anyone else, which makes your rates unique. Insurance companies look at the following items when calculating your costs:

• Loss history
• Driving record
• Value of vehicle
• Location
• Experience level and age
• Coverage selection

Number of vehicles involved in traffic crashes in the US in one recent year (in 1,000s)

With the number of car accidents out on the road, it's better to have more insurance than not enough. While not every vehicle will need full coverage, it may help in the event of a crash. 

How Much Is Full Coverage Car Insurance in Mississippi?

Full coverage car insurance in Mississippi will be about double the cost of liability-only insurance. That's because, with full coverage, you include comprehensive and collision limits, which cover different parts of a property damage loss to your auto. The annual average cost of car insurance in Mississippi is $1,584. 

Full coverage car insurance options:

• Gap coverage: Pays for the difference between your remaining loan balance and the market value when a total loss occurs.
• Tow coverage: Will pay for a tow truck to tow a covered auto due to a loss.
• Rental car coverage: Will provide reimbursement for a rental car when your covered auto is damaged. 
• Comprehensive coverage: Will pay for property damage to your vehicle that is hit by an unavoidable obstruction.
• Collision coverage: Pays for property damage to your car in the event of a crash.

Will My Safe Driving Record Impact My Car Insurance Rates in Mississippi?

Your Mississippi car insurance carrier uses your driving record to determine the level of risk you bring to the table. If you have a squeaky clean history, then you'll be rewarded with lower premiums. When you have a long list of accidents or violations, you'll have much higher rates.

Incurred losses for private passenger auto insurance in the US in one recent year, by state (in million US dollars)

Car accidents are a common occurrence in the US. By being proactive, you can protect yourself from any out-of-pocket loss.

How a Mississippi Independent Insurance Agent Can Help

When you're searching for the perfect car insurance policy for an affordable rate, you're not alone. The best coverage doesn't have to be expensive if you know where to look. A trained professional can help review your policies for free. 

A Mississippi independent insurance agent has a network of carrier options so that you have choices. Connect with a local expert on TrustedChoice.com for custom quotes. They'll even compare policies with numerous A-rated markets and present you with the cream of the crop.