Pass Christian Car Insurance

Your Complete Guide to Pass Christian, MS, Car Insurance

(How car insurance can protect your assets)

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With a town population of 5,878, Pass Christian, MS, brings a whole new meaning to small-town charm. Its commercial district roots turned tourist attraction is a great place to call home.

If you're looking for customized car insurance in Pass Christian, MS, an independent insurance agent can help. Independent agents have access to multiple carriers making coverage easy. Go to TrustedChoice.com and get connected with an agent today. 

Why Get Liability Insurance for Your Pass Christian, MS, Car Policy?

Liability insurance is automatically included on your personal auto policy. Most states and cities require minimum liability coverage to use their roadways. If you are in a car accident where it's your fault, your liability insurance will help pay for the loss. Things your liability insurance will cover:

  • Bodily injury medical expenses of another driver
  • Property damage expenses of another person's vehicle or property

There is also another liability policy that you might want to consider called umbrella insurance. An umbrella policy is additional liability coverage over your personal home and auto policies. Umbrella policy coverages start at $1,000,000 and go up depending on your included assets. 

Average Income:

  • Mississippi average: $43,529
  • Pass Christian average: $54,171

Pass Christian residents have a higher median income than the state as a whole. If you can afford more expensive assets, an umbrella policy can protect against a more significant liability claim. Speak with your agent on additional liability pricing. 

Car Insurance Requirements in Pass Christian, MS

Every state has a minimum insurance requirement for a driver to be active on the roadway. If you are caught without the minimum insurance, you could be fined or worse, depending on state laws. A Pass Christian independent agent can make certain you have the coverage you need according to state mandates. 

Minimum Insurance Requirement for Pass Christian, MS:

  • A minimum liability limit of $25,000 per person/ $50,000 per accident/ $25,000 property damage

Since the state minimums are just that, minimum, it's best to chat with your local agent on coverage options. There is a lot of coverage that you may be missing out on if you obtain only the state minimum limits.

Other Car Insurance Coverages in Pass Christian, MS

In addition to liability insurance, there are other coverages to include in your auto policy. Some auto coverages could save you from having to pay an extra expense when a claim occurs. Let's look at additional coverage options:

  • Gap insurance: If you have a new car, your loan will soon be more than the vehicle's value. Gap insurance will pay for the difference if a total loss happens. 
  • Towing insurance: If you get stranded on the side of the road, you might need a tow. Towing insurance will come in handy during a breakdown.
  • Rental car insurance: An accident can put your car out of commission. In the meantime you'll need something to drive, and rental car insurance will pay for a rental car. 
  • Collision insurance: If a collision with another car or property occurs, collision insurance will help pay for the loss. 
  • Comprehensive insurance: If an unavoidable obstruction hits your vehicle, comprehensive coverage will pay for the damage. 

It's important to know what these optional coverages can do for you and if you need them. Your Pass Christian car insurance can be customized to your specific needs. Speak with your agent to determine which coverage is right for you. 

What about Uninsured Motorists in Pass Christian, MS?

Uninsured or underinsured drivers are inevitable. Not everybody follows the rules, and that can put you in harm's way. Fortunately, there is coverage called uninsured/underinsured motorists or UM/UIM. This coverage will help pay for any damage or bodily injury that may occur when another driver isn't properly insured. 

Percentage of Uninsured Drivers:

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

With the state of Mississippi coming in almost double the national average in uninsured motorists, you need this coverage. Your historic Pass Christian town is no exception to these drivers. Speak with your local agent to better protect you and your loved ones from other drivers. 

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Vehicle Thefts in Pass Christian, MS, and Your Car Insurance

Car insurance premiums increase if the crime rate is higher in an area. The impact it can have on your pricing can be small if you live in a safe place. 

Average Theft Rates:

  • National average: 2.37
  • Mississippi average: 1.45
  • Pass Christian average: 0.99

Pass Christian is lower than both the state and national averages when it comes to theft. This friendly small town puts you in the right spot for lower car insurance rates. Connect with your local agent to see how much lower your premiums will be. 

What Does Pass Christian, MS, Car Insurance Cost?

Car insurance rates are different from person to person. There are a variety of factors that determine your cost. While the city you live is an essential key, your personal data is also worked into the pricing. The main premium rating factors are below:

  • Location 
  • Crime rate
  • Insurance score
  • Credit score
  • Coverage selected
  • Deductible selected
  • Discounts and credits that apply
  • Age
  • Loss history
  • Number of vehicles and household drivers

To see what your exact premiums are, reach out to your Pass Christian independent agent. They will be able to advise on what coverage options you may need and offer different quote scenarios. National and state averages can be a telling sign of what your auto premiums could be.

Average Annual Auto Premiums:

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

Your car insurance costs could be very different from the averages listed above. Check with your local independent agent to quote your vehicle specifics. 

What if You Drive for Uber or Lyft in Pass Christian, MS?

If you have a side gig or full-time job as an Uber or Lyft driver, your insurance may not have you covered. Most personal auto policies exclude coverage for any livery service. 

A Livery for Hire Service:

Livery for hire is defined as any person who operates a motor vehicle while getting compensated for delivering a person or item. This can include taxi drivers, package delivery drivers, Uber or Lyft drivers, and any other rideshare service. 

Contact your agent today and discuss alternative car insurance options for your livery business. 

Why You Need an Independent Insurance Agent in Pass Christian, MS

The road to proper car insurance can be confusing. If you work with a local independent insurance agent, getting coverage is simple. An independent agent does all the work and shops your car insurance with dozens of carriers. 

If you go to TrustedChoice.com, you can get matched with a Pass Christian independent agent in minutes. Start saving time and money today. 

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