Horn Lake Car Insurance

Horn Lake, MS, drivers want dependable car insurance at a price they can afford. Sometimes the process of finding the right policy is a bit intimidating. If you need help shopping for auto coverage, then feel free to read through our 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 Horn Lake drivers like yourself.

The Basics about Horn Lake, Mississippi, Liability Coverage

Mississippi drivers must have basic liability coverage to protect other vehicles, other people, and the property of others. Below are the liability amounts Mississippi motorists must maintain to drive around legally:

• Property damage: $25,000 per accident 
• Bodily injury: $25,000 per person (limited to a single accident) / $50,000 per accident 

You have the choice of selecting higher liability limits, which is what most insurance experts recommend. Of course, richer liability benefits will mean higher premiums. However, you’ll save a fortune should you be unlucky enough to cause a car crash with injuries or property damage. 

Some people also opt to buy umbrella insurance to absorb any extra costs that exhaust their liability limits. Your Horn Lake insurance agent will be glad to go over with you all the different options. 

What Does Horn Lake, Mississippi, Car Insurance Cost? 

Most motorists aren’t sure how they can go about finding plenty of auto coverage for the least amount of money. In fact, Mississippi citizens usually pay more for car insurance than those in other states.

• Horn Lake, MS, average annual premium: $1,359
• Mississippi average annual premium: $1,584
• US average annual premium: $1,311
• Mississippi has the 12th most expensive auto premium in the US

Insurance costs are specific to each vehicle, driver, and area. In Horn Lake, the theft rate is 5.76 per 1,000 cars, which is higher than the national average. Considering those statistics, simply living in Horn Lake automatically puts you at a higher risk of filing a theft claim. 

Don’t forget about the special discounts most insurers offer to qualified applicants. You might be able to save anywhere from 5% to 25% in premium simply by having multiple policies with the same company, being a senior, having an excellent driving record, or driving a vehicle with safety features. 

Your local independent agent knows all about which car insurance policies have the most competitive premiums (and best discounts) for local drivers. They also know where to find top quality home insurance and life insurance. Ask about all your personal insurance needs when you talk with your agent.  

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Eight Tips for Saving Money on Horn Lake, Mississippi, Car Insurance

Your local insurance agent is an expert in 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 following suggestions. 

• Keep your driving record clean and enjoy lower premiums
• Higher deductibles equal lower pricing
• The fewer miles you drive each year, the lower premium you’ll pay
• Better pricing is given to drivers with good credit
• Paying your full premium up front will save you monthly installment fees
• Never let your insurance lapse because your next policy will cost more
• Older car models (five years old or later) can save you money 
• The more education you’ve had, the less you might pay 

Don’t Forget to Buy These Other Auto Insurance Benefits 

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.

• Collision coverage: This pays for repairs on your vehicle or replacement of your vehicle if it’s a complete loss. When you opt for collision coverage, you’ll automatically have comprehensive insurance added too. 
• Comprehensive coverage: This 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.
• Uninsured motorist coverage: This 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 damages. 
• Personal injury protection (PIP) coverage: PIP is meant to pay for any medical bills you incur because of an accident-related injury. This benefit pays for things like doctor’s visits, emergency room trips, pain medication, hospitalizations, etc. 

Remember, even if the worst day of your life does happen, you can call your Horn Lake insurance agent for help getting the claim settled. Your local agent has a ton of motivation to get you back on the road again.

Start Shopping for Car Insurance and Save Money Today

Car insurance shopping is a whole lot easier when you work with an independent and experienced insurance agent. It’s wonderful to know that you have an independent insurance agent within your community who can assist. The Horn Lake, MS, agent will match a high quality auto insurance policy to your needs and budget. 

Reach out to an independent insurance agent today to get yourself insured with a less expensive plan.