Fulton Car Insurance

Named after the inventor of the steamboat, Fulton, MS has a lot to offer its community. With 4,011 residents, Fulton is a tiny piece of history that's made a big impact. 

If you're not partaking in the Underground Railroad Bicycle Route that runs through Fulton, you might need car insurance. A local independent insurance agent is ready to help with your auto insurance needs.  

What's Required to Drive in Fulton, MS?

If you live in Fulton, MS, you'll need car insurance to drive down the historic paved streets. There is a minimum requirement to use the roadways in Mississippi, and not having coverage could get you fined. Let's look at the facts:

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

Even though you're only required to have the state minimum limits, that coverage is pretty low. With the average vehicle value being over $30,000, your state minimum limits won't be enough coverage. Speak with a local independent agent to see what car insurance policy is best for you.

Will My Fulton, MS Car Insurance Policy Cover Uber?

If you drive for Uber or another rideshare service, your personal auto policy excludes coverage. Any for-hire livery service is typically against policy guidelines and results in an uncovered claim or policy cancellation. 

You'll want to chat with your independent agent about your options when it comes to livery services. Some carriers will provide coverage off the clock, and others will require you to have a commercial auto policy. 

What If My Vehicle Gets Broken into in Fulton, MS?

Vehicle break-ins and theft are an issue everywhere. Despite living in a safe town like Fulton, you may still run into a theft. If you have the right coverage in place, you can avoid replacing your stolen items out of pocket.

Theft rates:

• National average: 2.37
• Mississippi average: 1.45
• Fulton average: 1.23

Fortunately, if you drive in Fulton, you're in a reasonably safe spot. Fulton's average theft rate is lower than both the state and national averages. Contact your agent to see how the theft rate impacts your insurance premiums.

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Car Insurance Costs in Fulton, MS

The million-dollar question is always the price. Car insurance rates are different for almost everyone. The insurance companies write your car insurance coverage based on your individual factors. While some of it has to do with where you live, more of it is based on you. 

Premium rating factors:

• Where you live
• Crime rates in your area
• Year, make, model and value of your vehicle
• Your age
• Your credit score and motor vehicle records
• Your claims history

The average car insurance rates in an area can give you a glimpse into your premiums. Remember, your specific car insurance cost could be different from your Fulton neighbor. The average annual auto insurance premiums are shown below:

• National average: $1,005
• Mississippi average: $1,684

Connect with your local agent to get a quote for your car insurance and see where you stand. 

What Else Do I Need Coverage for in Fulton, MS?

Your car insurance can provide coverage for many things that you may not know about. That is why it's valuable to have an excellent agent to guide you through the decision-making process. Other car insurance options look like this:

• Towing: Coverage to tow a covered auto.
• Rental car: Coverage to rent a vehicle due to a covered loss.
• Gap: Coverage to pay for the difference between the loan amount and the car's value in case of a total loss.
• Comprehensive: Property damage coverage for an unavoidable obstruction.
• Collision: Coverage for property damage resulting from a collision with another vehicle or property.

Your Fulton independent agent can go over the most cost-effective coverage for your car insurance. Discuss these additional coverages and determine which is right for your policy. 

Uninsured Motorists in Fulton, MS and Car Insurance

If you live on the planet, there are uninsured or underinsured drivers. It's an unfortunate mistake that some drivers make. Every state usually has mandatory minimum coverage requirements, but there are some rule-breakers in society. 

Percentage of uninsured motorists:

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

Almost double the amount of uninsured motorists in the US reside in Mississippi. There is coverage to protect you and your family from these drivers, known as uninsured/underinsured motorists insurance. This will help pay when you are involved in an accident with an uninsured or underinsured driver. Talk with your local agent to find out how to add this coverage to your auto policy. 

How an Independent Insurance Agent Can Help in Fulton, MS

If you're on the hunt for car insurance in Fulton, MS, an independent insurance agent can help. They have access to dozens of carriers, which gives you options. 

Instead of doing all the work yourself, connect with an independent agent, and run the numbers. Go to TrustedChoice.com and get matched with a Fulton agent today to save.