Clarksdale Car Insurance

Do you have extra time to search for a good quality and affordable car insurance policy? If not, then it’s a good idea to get some free professional assistance. In fact, there’s an independent insurance agent right around the corner, waiting to help. Clarksdale insurance agents have lots of experience insuring other local drivers. 

Get the Best Premium for Clarksdale, Mississippi Auto Coverage

Drivers like you can sometimes feel lost when it comes to getting affordable car insurance. Mississippians usually pay way more for auto coverage than drivers in other US states. 

• Clarksdale, MS average premium is $2,006 per year.
• Mississippi average premium is $1,584 per year.
• Nationwide average premium is $1,311 per year.
• Mississippi is the 12th most costly state for auto coverage in America.

Insurance premiums are based on facts like your vehicle’s specs, your driving record, and your zip code. Clarksdale’s rate of theft is 3.72 per 1,000 vehicles, which is higher than the US average. Insurance companies know this, and it can increase your costs. A Clarksdale insurance agent can tell you which auto insurers have the best coverage for life insurance and homeowners insurance, too. 

Finding the Best Clarksdale, Mississippi Auto Insurance Pricing

Local insurance agents will want to know some info about your motor vehicle record, as well as about your car’s year, make, and model. You’ll be assigned a premium based on a lot of this information. There are ways to cut the cost, like: 

• Choosing a higher deductible 
• Driving fewer miles
• Maintaining good credit
• Paying your six-month premium upfront
• Not letting your car insurance lapse - ever
• Driving an older model car 
• Keeping a clean driving record, with no tickets or accidents

Knock Off Some Premium with These Auto Insurance Discounts

People like to save every penny they can, and the best way to do that is with car insurance discounts. A Clarksville agent will find out if you can get any of these common discounts: 

• Multi-policy 
• Safe driver
• Accident-free driver
• Vehicle safety features 
• Good student 
• Automatic premium withdrawals 
• New customer
• Senior citizen (55+) 
• Veteran or active military and reserves
• Paperless policies

Save on Car Insurance

Our independent agents shop around to find you the best coverage.

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Liability Coverage: The Basis of Auto Insurance in Clarksdale, Mississippi 

Twenty years ago the state of Mississippi passed a law mandating that drivers buy a minimum amount of liability coverage. This type of insurance is meant to protect the other driver and their property. To avoid tickets or fines, Mississippians must buy, at the very least, car insurance with the following liability limits: 

• Bodily injury limits: $25,000 per person / $50,000 per accident
• Property damage limits: $25,000 per accident 

If you can afford more coverage, it’s a good idea to get it. You can buy higher limits, or even opt for umbrella insurance to cover any costs that go above your existing liability limits. Chat with your Clarksdale insurance agent about your options.  

Full Coverage Benefits for Clarksdale, Mississippi Motorists

You’ll need to invest in more than a liability-only policy if you want to have auto insurance that will pay for your personal expenses. A local independent agent can go over with you the list of auto insurance benefits you can buy. If you financed your car loan, then you should ask your lender for the minimum coverages they will want on the vehicle. 

• Fix your own vehicle after a car crash: Collision coverage will pay for your vehicle to be repaired or replaced.  
• Replace or repair your vehicle after other accidents: Comprehensive coverage takes care of risks that can mess up your vehicle, including fires, theft, vandalism, deer hits, and other hazards. 
• Fix your own body after a car crash: This coverage is called Personal Injury Protection (PIP). It pays you for health care related to your crash. That means you’ll be reimbursed, per your policy terms, for doctor visits, pain meds, ER visits, hospital stays, etc. 
• Pay for everything when the other driver won’t: An average of 23.8% of Mississippi drivers have no car insurance. Uninsured motorist coverage pays for your auto repairs and medical care after being in a car accident with a driver that doesn’t have car insurance. 

If you get in an accident, your Clarksdale insurance agent will be there to take care of you. A local agent is particularly motivated to get your claim settled, since you’re neighbors. 

Get New, Better-Priced Car Insurance Today

There are many car insurance options and state requirements to understand and follow, it’s no wonder many Mississippians get confused. Car insurance can be a lot simpler when you work with a local independent insurance agent. A Clarksville insurance agent can show you the best quotes according to your budget. You won’t pay a dime extra for your agent’s professional assistance. 

Call a Clarksdale insurance agent to get a better-priced auto plan today. Take care of it now before you get back on the road again.