Kosciusko Car Insurance

(And how to find the best independent insurance agent)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Updated
header

The city of Kosciusko, MS, made a name for itself as the birthplace of Oprah Winfrey. Kosciusko has roughly 6,891 residents and has the iconic Natchez Trace passing right through it. 

If you're in the market for car insurance, there are some things you should consider. First, connect with an independent insurance agent on TrustedChoice.com to get advice on your Kosciusko auto policy.

The Cost of Car Insurance in Kosciusko, MS

The state of Mississippi has higher annual car insurance premiums than most others. Kosciusko may fall somewhere near the state average, but there are a few other rating elements the carriers use to determine the price. Premium rating factors for your Kosciusko car insurance are as follows:

  • Location: Your rates will be affected depending on traffic frequency and claims filed in an area.
  • Claims history: Your loss history follows you around like your credit score, and the carriers will surcharge you for past claims.
  • Coverage selection: The value of your vehicle and coverage selected will determine your rates.
  • Discounts: Each carrier offers discounts depending on your driving record and if you have more than one policy.
  • Crime rates: The fewer crimes your town has, the better your insurance premiums will be.
  • Credit score: Your credit score will impact your insurance score which will affect your rates. If you have bad credit, your insurance premiums will be higher. 

An independent agent in Kosciusko can find the best coverage and pricing for your specific car insurance needs. A local agent can help navigate the ups and downs of coverage and find you the best rates.

Average auto insurance premiums:

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

Your car insurance premium may be lower or higher than the national and state averages. Check with your agent to get quotes on your auto insurance specifics to see your individualized cost.

Car Insurance Requirements in Kosciusko, MS

Most states have minimum requirements for drivers to cruise their roadways. Kosciusko is no different, and you'll have to pay in coverage to drive their historic streets. Let's look at the facts:

  • Minimum requirements in Kosciusko, MS: $25,000 per person/ $50,000 per accident/ $25,000 property damage

Take note that the requirements suggested are a minimum limit. To have proper coverage you'll want to discuss your specific needs with your agent. 

What auto liability limits mean:

  • Bodily injury liability: This helps pay for the medical expense of another person due to an at-fault accident.
  • Property damage liability: This pays for damage you cause to another person's property or vehicle. 

A recent study in 2019 revealed that there were 36,120 road fatalities in the US alone. The MS state minimum limits would not come close to covering an accident-related death loss. Discuss with your local agent options on coverage so there are no surprises.

Why You Need Uninsured Motorists Coverage in Kosciusko, MS

Uninsured/underinsured motorists coverage, or UM/UIM, will provide insurance when another party is underinsured. If the other driver does not have enough insurance or no insurance at all, UM/UIM on your policy will cover your loss. 

Percentage of uninsured drivers:

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

The number of uninsured drivers in MS is high compared to the national average. To safeguard yourself and family from these uninsured drivers, speak with your independent agent about UM/UIM. 

car

Save on Car Insurance

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

Kosciusko, MS, Theft Rates and Your Car Insurance

Your car insurance is impacted by the number of claims reported in an area. If the crime rate is higher, that means the carriers pay more reserves to insure people who live there. Fortunately for you, Kosciusko's theft rate is on the low end. 

Average theft rates:

  • National average: 2.37
  • Mississippi average: 1.45
  • Kosciusko average: 0.80

To have coverage for theft on your auto policy, speak with your agent about comprehensive insurance. Comprehensive coverage is optional, so be sure to get this added to each vehicle that you want to have theft insurance. 

Other Auto Policy Coverages in Kosciusko, MS

Additional coverage for your vehicles is available through your local independent agent. Each policy comes with liability insurance, but if you want coverage for your cars on the policy, there are things you need to know. 

Optional auto policy coverages:

  • Comprehensive coverage: This will replace or repair your car if damage occurs via an unavoidable obstruction.
  • Collision coverage: This will replace or repair your vehicle when a crash or collision occurs.
  • Gap coverage: This pays for the difference between your remaining auto loan and your car's value.
  • Rental coverage: This pays for a rental car if your covered auto is undrivable due to a loss.
  • Tow coverage: This pays for a tow for a covered auto.

These coverages are optional, so you'll want to go over each one with your independent agent. 

What If You Drive for Amazon or Uber in Kosciusko, MS?

If you have hopped on the bandwagon and decided to make some extra funds transporting packages or people, you may not have coverage. Your personal auto policy typically excludes livery for hire services. 

If you drive your own vehicle to deliver on behalf of Amazon or Uber, you'll likely need a business auto policy. Some carriers will cover when you're off the clock too. Check with your local agent to make sure you have the coverage you need when you need it. 

Get a Kosciusko, MS, Independent Insurance Agent

You'll have access to an entire network of carriers working with an independent insurance agent. They can shop coverage and pricing at once, so you don't have to. If you're not sure where to find your Kosciusko independent agent, you're in the right place.

TrustedChoice.com can connect you with an independent agent in Kosciusko in moments. Access the find-an-agent tool and start saving today.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn

City-Data

City of Kosciusko

Car Insurance

Statista