Forest Car Insurance

The town of Forest, MS, has roughly 5,655 residents and a whole lot of charm. This city is known as part of the "hill counties" and consists mostly of upland prairie soil. 

If you're driving up and down the beautiful Jackson Prairie Belt, you'll need car insurance. You can click on  this tool insurance agent to connect with a local independent insurance agent for the best coverage.

What Are the Car Insurance Requirements in Forest, MS?

If you're going to live in Forest, MS, car insurance is required to use the roadways. Each state has minimum coverage limits that are necessary if you want to avoid fines or even jail time. Here's what Forest requires for car insurance:

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

These liability limits speak to bodily injury liability, which covers the medical expenses of others. It also covers property damage liability that pays for the property damage of others. Discuss what liability limits make sense for you with your agent. 

Other Car Insurance Coverage in Forest, MS

Several other coverages can be added to your auto policy. Most are optional and do not come automatically, so it's important to get with your agent and discuss it. These coverages include:

• Comprehensive: This pays for property damage to your vehicle resulting from an unavoidable obstruction. 
• Collision: Pays for the repair or replacement of your car resulting from a collision with another vehicle or object. 
• Towing: Pays for towing of a covered auto. 
• Rental car: Pays for a rental car as a result of a covered loss.
• Gap: Pays for the difference between a car loan and the market value of your vehicle in case of a total loss. 

There are a lot more coverages in addition to your auto liability, as you can see. The best way to know which coverage you need is by speaking with your local Forest agent. 

What about Additional Liability Insurance in Forest, MS?

When you live in a small town like Forest, known for it's slower pace, more coverage may not seem necessary. Never assume that a more substantial liability claim won't happen in Forest. Additional liability insurance can come in the form of an umbrella policy. 

Umbrella insurance provides additional liability coverage over your underlying home and auto policies. It usually starts at $1 million in additional coverage. 

All it takes is one accident with a roadside fatality, and your liability limits could be exhausted. Once you have used up your auto policy's liability limits, you have to pay out of pocket for any remaining exposure. Discuss your risk factors with your independent agent to see if an umbrella policy is right for you. 

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Crime Rates in Forest, MS and Your Car Insurance

It's no secret that the rate of crime in an area will affect your auto insurance. The more acts of theft or violence in a city, the more the insurance companies charge for coverage. 

Average theft rates:

• National average: 2.37
• Mississippi average: 1.45

Mississippi as a whole is lower than the national average by almost half. If you live in Forest, you can expect the theft rate to be lower due to size and community. Get with your local agent to discuss what the crime rates in Forest do for your car insurance. 

The Number of Uninsured Motorists in Forest, MS

Despite being an all-around quaint town to live in, Forest still has the threat of uninsured drivers. Uninsured drivers make up a decent percentage of drivers on the road today. This puts you and your family at risk every time you take to the streets. Let's look at the numbers:

• National percentage of uninsured drivers: 13.0%
• Mississippi percentage of uninsured drivers: 23.7%

Mississippi has almost double the national average, which means Forest isn't far behind. To better protect yourself from irresponsible drivers, get uninsured/underinsured motorist insurance. It will provide coverage for when the other driver doesn't have any, or doesn't have enough. That way, you won't be having to foot your own bill. 

Cost of Car Insurance in Forest, MS

The cost of car insurance varies depending on where you live and a few other rating factors. The premiums in MS are quite a bit higher than the national average, which could mean Forest has a higher rate. What your Forest, MS neighbor pays for car insurance won't be the same as your premium, because rates are individualized. Some items that the insurance companies use to determine your rate are:

• Your age
• Your credit score
• Where you live
• The local crime rate
• Your coverages
• Your motor vehicle records
• Your claims history

Annual average auto premiums:

• National average: $1,005
• Mississippi average: $1684

The only real way to determine your exact car insurance rate is to get with your independent agent. They can run quotes through a variety of carriers, so you don't have to. Since your Forest independent agent is local, they know what exposures to look out for and which companies are the best in the area. 

Does Your Auto Policy in Forest, MS Cover Driving for Uber?

If you are looking to make some side money driving for Uber or another rideshare company, you may not have coverage. The majority of car insurance policies out there today exclude coverage for livery services. This includes Uber, Lyft, food delivery, and parcel delivery. 

Your independent agent may recommend getting a business auto policy, since you are technically running a business. Most rideshare companies may also provide coverage during shifts, allowing your personal auto policy to pick up off-the-clock coverage. 

How a Forest, MS Independent Agent Can Help

If you are in the market for car insurance, there's no better adviser to get quotes from than an independent insurance agent. They have access to dozens of carriers, giving you the best rates and coverage. 

You can use the find-an-agent tool on TrustedChoice.com to match with a Forest, MS independent agent. Get on your way to saving time and money by connecting with an agent today.