Mississippi Auto Insurance Quotes Comparison: Mandatory Coverage
In the state of Mississippi, the only type of car insurance coverage that is mandatory according to the state is liability coverage. In fact, all drivers must carry at least: $25,000 per person for bodily injury liability coverage; $50,000 in total per accident for bodily injury liability coverage; and $25,000 per accident for property damage liability per accident.
These limits are higher than mandatory ones in many other states, but these levels of coverage are still insufficient. A serious car accident could easily surpass these levels and you would be the one who has to make up the difference. Better choices are $100,000 per person for bodily injury liability coverage; $300,000 in total per accident for bodily injury liability coverage; and $100,000 per accident for property damage liability per accident.
Mississippi Auto Insurance Quotes Comparison: Recommended Coverage
Mississippi has an estimated 28% of drivers in the state that are uninsured, making it the highest in the nation. For this reason alone, all drivers looking for auto insurance quotes in the state should definitely include uninsured motorist coverage on their policies. With more than a 1 in 4 chance of being in an accident with an uninsured motorist, having this coverage makes sense.
Physical damage coverage for your vehicle is recommended for any vehicle with a significant value and is mandatory for vehicles with a lien, according to lenders. This type of coverage includes both collision and comprehensive. Collision is what takes care of your claim if it related to a moving accident. Comprehensive tends to take care of claims from non-moving incidents like fire and theft.
Medical coverage is very important for drivers to include in their car insurance policies. Personal injury protection or PIP covers you and your passengers in the case of injuries or death caused by a motor vehicle. Rental car coverage and towing and labor are other types of coverage that can be very useful, but may be covered by other things like an automobile club or a premium credit card.
Take the time to get a variety of quotes and compare them carefully for coverage limits, company reputation and price before making your selection. Get Mississippi Auto Insurance Quotes!
