Greenwood, MS Car Insurance

One of the leading causes of concern for Greenwood, MS, residents is car accidents involving trucks and other vehicles. Even the most cautious drivers can get into an accident when other drivers are distracted.  A car insurance policy will protect you from unpredictable collisions.

If you just bought a new car, looking for lower rates, or have questions about your current policy, chat with a Greenwood independent insurance agent. They will help you find and answer questions about your car insurance policy. You can contact an independent insurance agent today to get started.

How Much Does Car Insurance Cost in Greenwood, MS?

• Average car insurance rate for Greenwood: $1,558
• Average car insurance rate for Sidon: $1,493
• Average car insurance rate for Cruger: $1,480
• Average car insurance rate for Morgan City: $1,509

Greenwood annual car insurance rate leans higher than the average of its neighboring communities. Your rate may end up looking a little different than this because insurers calculate in factors specific to you such as:

• Type of traffic violations
• Where you garage your vehicle
• Years of driving experience
• Number of at-fault accidents
• Your age, gender, and marital status

Ways to Save Money

You should always comparison shop before you purchase your insurance policy. This is a step that independent insurance agents will do for you. Some discounts that may be applicable to you are:

1. Affiliation discount: These are discounts through your employer, school, or a membership.
2. Accident-free discount: Drivers with no accidents that cost the insurer money during the past three to five years may be eligible for this discount.
3. Homeowner discount: This is applicable if you own a single family home or condominium.
4. Low Income or occupation discount: This applies to those with a state-mandated requirement for income-eligible drivers.

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Our independent agents shop around to find you the best coverage.

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How Much Coverage Do You Have to Have in Greenwood, MS?

Greenwood car insurance minimum must-haves:

• Bodily Injury per person: $25,000
• Bodily Injury per accident: $50,000
• Property damage per accident: $25,000
• Carry liability insurance

These minimum coverage amounts are sufficient to cover non-severe collisions, but if you happen to be at fault for a severe accident, you may find yourself facing large bills for medical or property damage out of pocket. You can avert this financial risk by purchasing additional liability coverage the will go beyond the minimum requirement.

Additional coverage options:

• Collision coverage: This will cover the repair costs if your vehicle is damaged in a crash with another vehicle or object.
• Comprehensive coverage: This will cover the cost of repairs if your vehicle is damaged by non-collision related events such as floods, fires, or severe weather.
• Roadside assistance: This will provide you with assistance or a tow if your car breaks down.

Who Pays if the Accident Wasn't My Fault?

The driver who caused the accident is responsible for any bills. Unfortunately, some people don’t purchase an auto insurance policy. Approximately one in five people in Mississippi drivers are uninsured. If an uninsured driver causes an accident, the other driver is on the hook for the cost of vehicle damage and injuries.

That’s why it is a good idea to purchase uninsured motorist coverage. This insurance will cover any fixes that your damaged car needs. It will also handle your medical bills if a driver who does not have insurance hits you.

Vehicle Theft Statistics in Greenwood, MS

• National vehicle theft rate per 1,000: 2.94
• Mississippi vehicle theft rate per 1,000: 1.41
• Greenwood vehicle theft rate per 1,000: 1.34

The theft rate in the city of Greenwood is only slightly lower than the state's. If your vehicle is vandalized or stolen, comprehensive auto coverage is the only way you can replace your vehicle and the damage they caused. With this policy you can quickly get assistance and payment, so you can go back to your normal life.

How Can You Find Car Insurance in Greenwood, MS?

With local independent insurance agents, comparison shopping has never been so simple. They will assess your coverage needs and will show you a variety of quotes. When you’re ready, contact a Greenwood independent agent to get started.