Olive Branch Car Insurance

Your Complete Guide to Olive Branch, MS, Car Insurance

(Find the right car insurance policy for you)

header

Olive Branch, MS, drivers want dependable car insurance for a reasonable price. Sometimes the process of finding such a thing 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 Olive Branch drivers, like yourself.

Basic Liability Coverage for Olive Branch, Mississippi, Drivers

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 Olive Branch insurance agent will be glad to go over with you all the different options. 

What Price Will You Pay for Olive Branch, Mississippi, Car Insurance? 

A lot of drivers aren’t sure how they can go about finding affordable auto coverage. In fact, Mississippi residents usually pay more for car insurance than other states.

  • Olive Branch, 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 Olive Branch, the theft rate is 3.01 per 1,000 cars, which is higher than the national average. Considering those statistics, simply living in Olive Branch 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.  

car

Save on Car Insurance

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

Six Tips for Saving Money on Olive Branch, Mississippi, Car Insurance

Your local insurance agent is an expert in auto insurance. They know all the ways to cut your car insurance costs, so don’t miss an opportunity to save on car insurance premiums. Check out the following suggestions: 

  • Better pricing is given to drivers with good credit
  • Paying your full premium up front will save you monthly installment fees
  • 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
  • Never let your insurance lapse because your next policy will cost more

Other Auto Insurance Benefits You'll Want to Get 

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 to 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 damage. 
  • Personal injury protection (PIP) coverage: This benefit is meant to pay for any medical bills you incur because of an accident-related injury. It 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 Olive Branch 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 you have an independent insurance agent within your community who can assist. The Olive Branch, 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 cheaper plan.

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

©2022, Consumer Agent Portal, LLC. All rights reserved.

City-Data

Mississippi Insurance Department