Moss Point Car Insurance

Driving in Moss Point can sometimes be hazardous. The roads are often filled with drivers who may be distracted, not following the speed limit, and who even have had too much to drink. Poor judgment of one driver can easily lead to a multi-vehicle accident. A Moss Point car insurance policy can protect you from a huge financial loss in a motor vehicle collision.

You can easily talk with an independent agent who will help find you the best car insurance policy in Moss Point. You tell them what you are looking for and they will compare rates from multiple companies to make sure you get exactly what you need. If you’re ready, find a Moss Point independent insurance agent today.

How Much Is a Car Insurance Policy in Moss Point, MS?

• National average cost per year: $1,311
• Mississippi average cost per ear: $1,800
• Moss Point average cost per year: $1,088

Your rate may look a little different than this because insurers calculate in many factors specific to you. They will look into your driving history, your age, and type of car that you have.

How to save money

There are many ways to save money on your policy. You should always comparison shop before making a purchase, which is a step that independent insurance agents will do for you. This will ensure that you are not paying too much. 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.

Moss Point, MS, 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 low-to moderate-impact collisions, but if you happen to be responsible for a serious accident, you may find yourself facing extensive bills for medical or property damage. You can avoid this financial risk by purchasing additional liability coverage that will go beyond the minimum requirement.

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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.

Why Should You Be Insured against the Uninsured Drivers in Moss Point, MS?

Mississippi is the second state in the nation with the highest uninsured drivers rate. It is a good idea to purchase uninsured motorist coverage because it will compensate you for any unpaid repairs or medical bills. However, this will not remove any financial responsibility from the uninsured driver, it will just make sure you (the insured driver) is covered.

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

Vehicle Theft Statistics in Moss Point, MS

• National vehicle theft rate per 1,000: 2.94
• Mississippi vehicle theft rate per 1,000: 1.41
• Moss Point vehicle theft rate per 1,000: 3.70

According to the FBI crime data, Moss point has one of the highest rates of vehicle theft in the nation. That’s where comprehensive auto coverage will come in hand to help you replace your vehicle or personal property. 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 Moss, 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 that meet your budgetary needs. If you want, these agents can even review other insurance policies that you currently have to make sure you are sufficiently covered. When you’re ready, contact a Moss Point, MS, independent agent today.