Long Beach Car Insurance

(Find the best car insurance policy for you)

Written by Emily Colosimo
Written by Emily Colosimo

Emily Colosimo is an insurance writer from TrustedChoice.com. She has been a writer since 2014 with a bachelor's degree in Public Relations. Emily has advanced her copywriting and SEO skills with prior work at multiple non-profit organizations around the world.

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The average Long Beach commuter drives around 21.5 minutes to work every day. This accumulates a lot of time for an accident to happen. Even if you are the most cautious driver, you may end up in a collision because of poor judgement by another driver. A Long Beach, MS, car insurance policy can protect you when accidents happen.

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

How Much Does Car Insurance Cost in Long Beach, MS?

  • Average car insurance rate for Long Beach: $1,633
  • Average car insurance rate for Henderson Point: $1,680
  • Average car insurance rate for Gulfport: $1,306
  • Average car insurance rate for DeLisle: $1,816

The Long Beach annual car insurance rate is near the average of the neighboring communities. Your rate may end up looking a little different than this because insurers calculate in factors specific to you. They will look into things like your past driving record, type of car you have, and your age.

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. Other discounts that may be applicable to you are:

  1. Multi-car discount: This is for drivers who insure more than one vehicle.
  2. Anti-theft discount: This is for vehicles with the anti-theft device.
  3. Number of years licensed discount: This discount depends on how you long you have had your license and your experience behind the wheel.
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Save on Car Insurance

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

How Much Coverage Do You Have to Have in Long Beach, MS?

Long Beach 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.

What about Uninsured Drivers in Long Beach, MS?

One in five drivers in Mississippi are uninsured, making it the second highest state in the country for uninsured drivers. Before you get into an accident with an uninsured driver, it’s a good idea to purchase uninsured motorist coverage. This will compensate you for any damage or medical bills that are left unpaid. It is important to note that this will not remove any financial responsibility from the uninsured driver, it will just make sure that you are covered.

Drivers who are pulled over without insurance or any proof of insurance may face a suspension of license or even a huge fine.

Vehicle Theft Statistics in Long Beach, MS

  • National vehicle theft rate per 1,000: 2.94
  • Mississippi vehicle theft rate per 1,000: 1.41
  • Long Beach vehicle theft rate per 1,000: 2.29

Long Beach is rated 44% safer than other US cities. However, the rate is much higher than the state average. If your vehicle is broken into or stolen, comprehensive auto coverage is the only way you can replace your vehicle or personal property. With this policy you can quickly get assistance and payment, so you can go back to regular life.

How Can You Find Car Insurance in Long Beach, MS?

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

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city-data.com

www.livestories.com/statistics/mississippi/pike-county-car-accident-deaths-mortality

macrotrends.com

neighborhoodscout.com

census.gov