When most people think of the state of Mississippi, they think of cotton farms as far as the eye can see. What many people don’t realize is that the gulf cities of Mississippi as well as the capital city of Jackson are also major tourist attractions, drawing hundreds of thousands of people every year. With the huge influx of out of state drivers every day, every Mississippian needs to maintain adequate car insurance for their vehicle. CarInsuranceQuotes.com knows how costly insurance can be and that is why CarInsuranceQuotes.com searches online companies to find our customers the lowest possible quotes for their car insurance every day.
Mississippi Minimum Car Insurance Requirements
To help ensure that all Mississippi motorists are well-protected, the state of Mississippi requires that all drivers maintain a minimum amount of liability coverage for their vehicles. At this time, the minimum required coverage is 25/50/25 for bodily injury liability and property damage liability.
• Bodily Injury Liability- In the event that the insured party is at fault in an accident, bodily injury liability covers the medical expenses of the other driver and their passengers. When the minimum amount of coverage is maintained, the insurance company will pay a maximum of $25,000 for a single person and $50,000 for multiple persons injured in the accident.
• Property Damage Liability- Property damage liability covers repairs for damages that occur to the other person’s vehicle as well as damage to public and private property. Under minimum coverage, insurance will pay up to $25,000 for repairs that are needed.
Though the state of Mississippi requires its motorists to have fairly decent minimum liability coverage, the rising costs of medical treatment and repairs make it very easy to make the costs of an accident exceed the minimum coverage. Because of this, Mississippi recommends that all motorists purchase liability coverage greater than that which is required as well as Comprehensive and Collision coverage to help pay for damage to their vehicle when they are at-fault or when the damage to their vehicle is caused by wildlife or another type of natural event.
Because of the amount of out-of-state drivers that use Mississippi’s roadways every day as well as the chance that a motorist does not have insurance, the state of Mississippi strongly recommends that all residents have Uninsured/Underinsured Motorist protection for their vehicles. UM protection also pays for damages if the vehicle is damaged in a hit and run, making it a good option for Mississippians.
From 2006 to 2007, the average cost of car insurance premiums for the state of Mississippi dropped 6.7% from $2021 to $1893; bringing it below the national average of $1896. While not all Mississippians will pay the average price for their insurance premiums as it depends on many factors including their credit history, driving history and the type of vehicle they own; CarInsuranceQuotes.com wants every Mississippi resident to get the best deal possible, whether that is higher or lower than the state average. That is why CarInsuranceQuotes.com has partnered with highly reputable companies such as Progressive, AIG and Nationwide to get the lowest possible car insurance quotes from companies drivers feel comfortable doing business with.
And getting your car insurance quotes online has never been easier. After entering their Zip code on our website, our customers will be asked a few general questions about their driving history and then CarInsuranceQuotes.com will do the research for them; giving them multiple quotes that will allow them to choose the Mississippi car insurance policy that suits their needs the best, even if it’s not the cheapest one. CarInsuranceQuotes.com; it’s fast, it’s easy, and best of all it’s free!