Columbus, MS Car Insurance

Columbus, MS drivers want dependable car insurance for a reasonable price. Sometimes it can be a little confusing trying to get to that point. If you need help shopping for auto coverage, then feel free to read through this guide. Or save even more time by just reaching out to an independent insurance agent in your community. 

Working with an experienced, local insurance agent is a good option since they know the best insurance for Columbus drivers like you.

Getting the Best Price for Columbus, Mississippi Car Insurance 

Mississippi residents normally pay more for auto coverage than in other states. Luckily, Columbus drivers are usually able to get a little lower rate than other areas. 

• Columbus, MS average annual premium: $1,195
• Mississippi average annual premium: $1,584
• US average annual premium: $1,311
• Mississippi has the 12th most expensive auto premium in the US. 

Insurance carriers evaluate many different factors before deciding on the final pricing. One thing they look at is how many car thefts happen in a city. In Columbus, the theft rate is 1.52 per 1,000 cars, which is lower than the national average. Yet that is still troubling if you’re the one person that has their car stolen. 

Your local insurance agent knows which policies offer the most competitive benefits and premiums. They also know the best carriers and rates for other types of personal insurance, like home insurance and life insurance. 

Which Coverage Is Most Important for Driving the Roads in Columbus, Mississippi?

For the last twenty years, Mississippi motorists have been legally required to buy a minimum of liability coverage to protect other drivers, vehicles, and people, and the property of others. These are the liability amounts Mississippi motorists must have to legally drive their cars:

• Pay for another person’s medical bills: $25,000 per person (limited to a single accident) for bodily injury / $50,000 per accident for bodily injury
• Pay for another person’s car repairs: $25,000 per accident for property damage.

You can certainly pick higher limits for liability coverage and all other car insurance benefits, too. Or you may want to purchase an umbrella insurance policy to absorb any damage that exceeds your liability policy benefits. Local insurance agents will be more than happy to go over all your choices. 

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Getting Full Coverage Options for Columbus, Mississippi Drivers 

Liability insurance is the most basic type of auto coverage available. To juice up your policy and enjoy even richer benefits, consider purchasing these additional coverages. 

• Pay for repairs and medical care when the other driver can’t: Uninsured motorist coverage will take care of your car and your medical bills if you get in an accident with an uninsured motorist. The reality is that 23.8% of Mississippi drivers don’t have any insurance to pay for your damage.
• Fix or replace your car after an accident with another vehicle: Collision coverage pays for repair of your car, or its replacement if it’s a total loss. When you opt for collision coverage, you’ll automatically have comprehensive insurance added, too. 
• Fix or replace your car after an accident of any kind: Comprehensive coverage 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, be sure to read your car insurance policy or talk with your agent.
• Pay your own medical bills if you’re hurt in an accident: Some states call this Personal Injury Protection or PIP. If you are physically injured in a car crash, this benefit will reimburse you for medical bills (e.g., doctor visits, hospitalizations, pain meds), according to your policy limits.

Your local agent has many reasons for keeping you happy and getting you out on the road safely. Not only will your insurance agent be there when you sign up for coverage, they’ll also be there when you have to file a claim. It’s a great feeling to know you have an insurance expert on your side along the way. 

8 Ways to Cut Your Columbus, Mississippi Car Insurance Costs

Your local insurance agent is an expert on auto insurance. They know all the ways to cut your car insurance costs. Don’t miss an opportunity to save on car insurance premiums. Check out the suggestions below. 

1. Pay the full premium upfront to save on extra fees.
2. Maintain a clean driving record.
3. Select a higher deductible amount.
4. Keep your credit score up.
5. Drive cars that are 5 years old or older. 
6. Lower your annual mileage.
7. Never let any insurance lapse.
8. Be sure to check into all the auto insurer’s premium discounts.

Now it’s time to take action by applying for a new car insurance plan. 

Ask Your Independent Insurance Agent for Help Today 

Make car insurance shopping a lot easier by relying on an independent insurance agent. Your Columbus agent will find the best insurance quote for your situation. The great part is your local agent won’t charge you a dime for their professional assistance. 

Contact an independent insurance agent today to get yourself insured with a better and more affordable plan.