Clinton Car Insurance

(Find the right car insurance policy for you)

Written by Christina Palermo
Written by Christina Palermo

Christina is a freelance writer and licensed insurance agent. She has worked in many facets of the insurance industry, from entry-level assistant to account manager/sales rep to vice president of operations.

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If you’re looking for new car insurance coverage or a better priced car insurance policy, this guide is exactly what you need. You’ll learn how car insurers in Clinton, Mississippi, come up with premiums, as well as the most important benefits you’ll need to safeguard yourself and your vehicle. 

Need a little help figuring it all out? Reach out to your independent insurance agent. Clinton agents know all about your neighborhood and they know what’s important to local drivers like yourself. 

The Best Coverage for Driving on Clinton, Mississippi, Roads

For the last two decades, Mississippians have been required by law to purchase a minimum of liability coverage. This coverage is meant to protect other vehicles, other people, and property belonging to others. Mississippi motorists must have the following minimum liability limits to drive legally:

  • Bodily Injury: $25,000 per person (limited to a single accident)/ $50,000 per accident
  • Property Damage: $25,000 per accident

Opting for higher liability limits is a wise decision since the cost of medical care and auto repairs continues to increase each year. Or you may want to buy an umbrella insurance plan to absorb any costs that exceed your liability policy benefits. Local independent insurance agents will be more than happy to go over all your choices. 

The Best Pricing for Clinton, Mississippi, Car Insurance 

Are you confused about how to get the best car insurance pricing? Do you feel like you’re paying more for car insurance than your neighbors? Did you know that Mississippi drivers usually pay more for auto coverage than those in any other state? 

  • Clinton, MS, average annual premium: $1,414
  • Mississippi average annual premium: $1,584
  • US average annual premium: $1,318
  • Mississippi has the 12th most expensive auto premium in the US

Insurance costs are specific to each vehicle, driver, and area. In Clinton, the theft rate is 0.38 per 1,000 cars which is way lower than the national average. That’s not much comfort, though, if you’re the one person in Clinton who has their vehicle stolen. 

Your local insurance agent knows all about which car insurers have the most competitive premiums for local drivers. They also know the best policies and pricing for home insurance and life insurance too. 

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All the Extra Car Insurance Benefits You’ll Want to Consider

Liability only policies are the most basic coverage you can get, and it’s just enough to keep you legal on the roads. Remember, liability coverage only takes care of other people. So if you are hurt or your car is damaged, then you’ll have to pay out of pocket for those costs. 

The best option is to build a comprehensive car insurance policy that will protect you and your car too. 

  • Collision coverage: This pays for repairs on your vehicle or replacement of your vehicle if it’s a complete loss. When you opt for collision coverage, you’ll automatically have comprehensive insurance added too.
  • Comprehensive coverage: This covers a list of specific risks that could damage your car, including deer hits, fire, vandalism, theft, and other dangers. To know the specific dangers your insurer will take care of, make sure you read your car insurance policy or talk with your agent.
  • Uninsured Motorist: This coverage will take care of your car and your medical bills if you get in an accident with an uninsured motorist. The reality is 23.8% of Mississippi drivers don’t have any insurance to pay for your damage.
  • Personal injury protection (PIP): This covers you if you're physically injured in a car crash. It will reimburse you for medical bills (e.g., doctor’s visits, hospitalizations, pain meds), according to your policy limits.

Even when the worst day of your life does happen, you can call your Clinton insurance agent for support during the claims process.  Your local agent is also your neighbor and therefore has a ton of motivation to get you back on the road again.

Save Money on Your Clinton, Mississippi, Car Insurance Today

You can rely on your local independent insurance agent to find the best car insurance available. Clinton agents know which insurance companies offer the best coverage for the most competitive rate. Your Clinton agent will get to know you, your needs, and your budget. They’ll give you a few different quotes, explain each policy’s features, and help you apply for coverage. The best part is you won’t have to pay one penny for relying on the agent’s professional expertise. 

Call an independent insurance agent today to get yourself insured with a cheaper and better auto plan.   

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