Indianola Car Insurance

The town of Indianola, MS, is singing with history. This city of 9,433 residents, referred to as "the home of the blues," offers music lovers an iconic spot. Being home to B.B. King and soul food makes Indianola a flavorful place to live. 

When you are looking for car insurance in historic Indianola, find yourself an independent insurance agent. These agents can help you find the coverage you need at a price you can afford.

How Much Does Car Insurance Cost in Indianola, MS?

It's important to know if you're getting a fair price when it comes to car insurance. The state of Mississippi is high on the annual car insurance scale. Mississippi averages $1,684 a year for car insurance pricing. There is a lot that goes into your car insurance premiums that you need to know. 

Premium factors for your Indianola car insurance:

• Location: Where you live matters, and your rates will be affected depending on traffic frequency and claims filed in your area.
• Crime rates: If you live in a safe part of town, your rates will be lower, because there is less chance of crime.
• Weather risks: Risks of severe weather such as tornadoes, hail, and flooding can cause prices to go up for every insured.
• Claims history: If you have an record of losses, your carriers will surcharge you for up to five years.
• Coverage selection: The limits of coverage you choose will raise or lower your rates. 
• Bundling: Having multiple policies with the same carrier means better discounts for you. 

An independent insurance agent in Indianola can find the best coverage and pricing for your specific car insurance needs. A local agent knows the city and what to expect when it comes to claims. They can help you navigate the markets, so you don't have to know everything.

Car Insurance Requirements in Indianola, MS

In the history-rich town of Indianola, you'll need to have car insurance coverage if you plan to be on the road. Most states have minimum requirements for licensed drivers wishing to cruise around the city.

Indianola, MS car insurance requirements:

• Bodily injury liability: Helps pay for the medical expenses of another person due to an at-fault accident. It is required in Indianola, MS.
• Property damage liability: This is also required coverage in Indianola and helps pay for damage you cause to another person's property or car. 
• $25,000 per person/ $50,000 per accident/ $25,000 property damage: These are your state minimum requirements in Indianola, MS. 

According to a 2019 study, there were 36,120 road fatalities in the US. Most minimum limits of $25,000/$50,000/$25,000 would not cover the loss that an auto-related death would bring. To make sure you're adequately insured, contact a local independent agent.

What Other Coverage Needs to Be Included on Your Indianola, MS Car Policy?

In addition to bodily injury and property damage liability, your car insurance policy will cover more. Your independent agent can go over what applies to you specifically. Let's take a look at some options:

• Comprehensive coverage: Will replace or repair your car if damage occurs that is caused by something other than a collision.
• Collision coverage: Will replace or repair your vehicle when damage occurs due to a collision with another car or object. 
• Gap coverage: Will pay for the difference between the remaining car loan and what your vehicle's worth in the case of a total loss.
• Rental coverage: If your car is undrivable due to a covered loss, this coverage will pay for a rental car. 
• Tow coverage: This coverage will pay for a tow when your vehicle is out of commission. 
• Medical payments coverage: This coverage is included in most policies and will pay medical expenses for you and any passengers in the event of an accident. 

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Uninsured and Underinsured Motorists in Indianola, MS

There is another coverage your auto policy will include, and it's one that you don't want to miss. Uninsured/underinsured motorist coverage will provide insurance when another party is underinsured. This coverage protects you when a not-at-fault accident occurs, and the other driver doesn't have proper insurance. 

Percentage of uninsured drivers:

• National: 13.0%
• Mississippi: 23.7%

Mississippi has almost double the national rate when it comes to uninsured drivers. That means that 23.7% of MS drivers on the road do not have coverage. The town of Indianola is no exception and, by default, has some of those uninsured drivers. This puts you and your loved ones in danger, and the best safeguard is uninsured/underinsured motorist coverage.

Indianola, MS Theft Rates and Your Car Insurance

Theft is possible, no matter where you reside. If your vehicle gets broken into, your comprehensive coverage will probably replace or repair any damage done. Comprehensive coverage is an option, so be sure to speak with your independent agent about adding this to your policy. 

Theft rates per 1,000 vehicles:

• National average: 2.37
• Mississippi average: 1.45
• Indianola average: 4.94

Indianola's theft rate is higher than both the state and national averages. On the bright side, if your auto policy has comprehensive coverage, then you'll have insurance if theft occurs. Since comprehensive and collision coverage are optional, go over protection options with your independent agent. 

The majority of consumers get full coverage (comprehensive and collision) on their car insurance policy, because the chances of a claim occurring are high. If you decide on liability-only coverage, then you will have to repair or replace your vehicle using your own funds.  

How an Indianola, MS Independent Insurance Agent Can Help

When you work with an independent insurance agent, you'll get access to the best coverage and prices. An independent agent works with multiple carriers so you can save time. 

At TrustedChoice.com, you can connect with a local Indianola agent in minutes. An agent can help you find the right coverage and budget-friendly rates that work for your specific needs. You'll be on your way to customized car insurance from A-rated carriers in no time.