Flowood Car Insurance

Flowood, Mississippi, is a bigger city with a small-town feel. With 9,061 residents, this polished town offers the best in commercial and residential living.

If you're a Flowood driver, you probably need car insurance to get you around the historic streets. You can click on this insurance agent matching tool to find an agent who is ready to help with your auto policy quotes.  

What's the Cost of Flowood, MS Car Insurance?

Flowood is a booming town with a lot of character and appeal. It doesn't have to be expensive to have car insurance in Flowood. Let's look at the state and national averages:

• Average national auto insurance premium: $1,005
• Average Mississippi auto insurance premium: $1,684

As you can see, the MS state average is quite a bit higher than the national rate. This doesn't mean your auto insurance rates will be that high. Each person has individualized insurance. What your neighbor pays will be different from what you pay.

Auto Insurance Cost Factors:

• Your age
• Your credit score
• Your motor vehicle record
• Your loss history
• The coverage you select
• Your location
• The local crime rate

To get your specific auto insurance rates, contact your Flowood independent agent. They can run quotes through several carriers, so you have plenty of options. 

Car Insurance Coverage Requirements in Flowood, MS

Almost every state has minimum car insurance requirements to use their roads. The city of Flowood is no different, following the state-mandated coverage. If you live in Flowood, MS, your car insurance needs to have these coverages:

• Minimum of $25,000 per person in liability
• Minimum of $50,000 per accident in liability 
• Minimum of $25,000 in property damage liability 

Liability coverages are the only limits that are required in Flowood, but there are a lot more essential options that you should make sure you have. Uninsured and underinsured motorist coverage is one of them. 

Uninsured and Underinsured Motorist Coverage in Flowood:

The state and the national average of uninsured drivers can be a bit scary. If you are using the roadways, chances are you've come across an uninsured driver. 

Percentage of Uninsured Drivers:

• National average: 13.0%
• Mississippi average: 23.7%

Uninsured/underinsured motorist coverage pays for your loss if the other party doesn't have the proper car insurance. This protects you and your loved ones if the worst should happen. Speak with your local independent agent to get this coverage added to your policy.

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What Else Is Covered Under a Flowood, MS Auto Policy?

Several optional coverages can be added to your car insurance policy. To protect your vehicle from damage and loss, you might want your agent to go over your specific needs.

Optional Car Insurance Coverages:

• Collision - pays for property damage to your car in a collision claim.
• Comprehensive - pays for property damage to your vehicle in a comprehensive claim.
• Towing - pays for a tow of a covered vehicle. 
• Gap - pays for the difference between your auto loan and vehicle value in the event of a total loss.
• Rental car - pays for a rental car while your covered auto is being repaired or replaced.

Your Flowood agent can make sure your autos are adequately covered in the event of a loss. Get customized car insurance through your independent agent so you can make sure you're well-protected.

What about Vehicle Theft Rates in Flowood, MS?

If your vehicle gets broken into or stolen, you want to be sure you have coverage for your belongings and car. Comprehensive coverage will cover theft to your auto, and if you have renters or homeowners insurance, some of your personal property coverage may also extend. 

Average Theft Rate per 1,000 Vehices:

• National average: 2.37
• Mississippi average: 1.45
• Flowood average: 2.86

Flowood is higher than the state and national averages when it comes to the theft rate. This may mean that your insurance premiums will be higher if frequency is an issue in your city. Check with your local agent to see how the crime rate affects your policy.

Should You Get an Umbrella Policy in Flowood, MS?

Additional liability insurance can come in handy no matter where you live. If a road fatality or a multi-car pile up occurs and you're the one to blame, you can run out of coverage fast. 

An umbrella policy is an extra limit of liability above and beyond your underlying policies. When you exhaust your underlying policy limits due to a substantial loss, you'll have backup. 

A typical umbrella liability limit is $1,000,000 and goes up from there. Discuss your assets with your independent agent to decide how much umbrella coverage is right for you. 

Why You Need an Independent Agent in Flowood, MS

Flowood, MS is a growing town, and it can be easy to get lost when it comes to car insurance coverage. If you're not sure where to start, try an independent insurance agent.

Go to TrustedChoice.com and connect with a local independent agent in minutes. They can find you the most competitive price and coverage in town.