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Mississippi auto insurance laws
Mississippi is a tort state, which means that if you are a resident of the state, you're financially responsible for the damage and injury you cause in an auto accident. To drive a vehicle in Mississippi, you're required to show proof of financial responsibility.
You can prove this responsibility by posting a bond or certificate of deposit for $25,000, or by buying a minimum amount of liability coverage. Most drivers opt to buy the Mississippi car insurance.
Mississippi's liability minimums are 25/50/25. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $25,000 for any damage that you cause to the other driver's car and/or property.)
Of course, these are low minimums, and you should consider higher levels of coverage, particularly if you have assets to protect.
Mississippi auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.
How Mississippi car insurance rates are set
The price of Mississippi auto insurance is decided by the behavior of the state's drivers as a whole. Mississippi auto insurance companies take the cost of providing insurance for Mississippi drivers (this includes settlements and legal fees) and divide it up among the drivers.
But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.
Of course, not all insurance companies compute their figures in the same manner. So they'll charge different rates on the same driver.
What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Mississippi auto insurance policy.
Where you can get Mississippi auto insurance quotes
The following web sites will help you find Mississippi car insurance quotes: (these links will open in a new window)
ComparisonMarket is the best online insurance shopping service. This is where you'll save the most money, in the least amount of time.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.