Your Complete Guide to Ridgeland, MS Car Insurance

Accidents can happen anytime, anywhere and to anyone. Whether you find yourself in a fender bender in the parking lot at Northpark Mall or in a major collision while trying to pass someone on the Natchez Trace Parkway, a solid car insurance policy can prevent you from facing large financial losses.

Independent insurance agents can help you find the best and most affordable auto insurance policy to meet your coverage and budgetary needs. Find an insurance agent in Ridgeland to learn more, and you can start comparing customized car insurance quotes in no time.

How Much Does Car Insurance Cost in Ridgeland, MS?

The average cost of car insurance in Mississippi is higher than the national average. Fortunately, costs in Ridgeland tend to be closer to the national average. Shopping around for rates can help you be sure you are getting your coverage at a reasonable price.

National average annual car insurance cost: $1,311
Mississippi average annual car insurance cost: $1,537
Ridgeland, MS average annual car insurance cost: $1,322

You can expect that the quotes you get from insurance companies will differ, not just from these average rates, but also from each other. This is because each insurance company has its own way of assessing risk and assigning rates according to a number of factors such as:

The make, model, trim, and year of every vehicle you are insuring
Your age, gender, occupation, and marital status
Your driving record and credit score
Information about other licensed drivers in your household
Whether you own or rent your home
The amount of your deductible
The amount of liability insurance you are purchasing
The coverage options you are including in your policy

If you are bundling your car insurance with other policies like homeowners insurance or renters insurance, you might qualify for significant discounts on all your coverage. You may also be entitled to other potential discounts such as if you have a safe driving record or are a student with good grades.

Let a local independent insurance agent help you find all the discounts for which you qualify so that you can obtain the coverage you need at the best possible price.

What Does Ridgeland Car Insurance Cover?

Car insurance policies are a mixture of required and optional coverage. As a resident of Ridgeland, your policy must meet or exceed the state’s minimum coverage requirements. The state of Mississippi requires liability insurance only. However, if you are still paying for your car, your lender will probably require you to also have comprehensive and collision coverage.

You can expect your insurance provider to offer the following coverage:

Liability insurance (required): This covers other people’s injuries and damage if you cause an accident. Your policy must include bodily injury liability coverage of at least $25,000 per person and $50,000 per accident, and property damage liability coverage of at least $25,000 per accident.
Collision insurance (mostly optional): This pays to repair or replace your vehicle if it is damaged in a collision, regardless of fault. Though optional by law, this coverage is often required by lenders until your car is paid off and by dealerships if you are leasing it.
Comprehensive insurance (mostly optional): This pays to repair or replace your vehicle if it is lost or damaged due a non-collision event such as a flood, falling object, or garage fire. Though optional by law, this coverage is often required by lenders until your car is paid off and by dealerships if you are leasing it.
Uninsured motorist insurance (optional): This pays for damage and injuries you may suffer if you are in a collision with an uninsured, underinsured or hit and run driver.
Personal injury protection (PIP) (optional): This pays for medical expenses for you and your passengers if you are injured in a collision for which you are responsible.
Roadside assistance and towing (optional): This pays for necessary assistance if your vehicle becomes disabled while you are out on the road, such as if you get a flat tire or run out of gas.
Rental reimbursement coverage: This pays for the cost of renting a comparable vehicle while repairs are being made to your car following a covered event.

A minimum-coverage policy may be your least expensive option, but it is not necessarily the best choice. If you cause a collision and your liability limits are too low, you will be expected to make up the difference out of pocket. Additionally, if you only have liability insurance, you will not have coverage to pay for repairs to your own vehicle if it is damaged in an accident.

Talk to your insurance agent for help determining how much liability coverage you can reasonably afford and to discuss which coverage options may be right for you.

Why Is Uninsured Motorist Insurance So Important?

Operating a vehicle without insurance is illegal in Mississippi, but nearly one in four people on the roads with you at any given time is driving while uninsured. If caught, these drivers can face fines of up to $500 as well as the suspension of their drivers’ licenses.

Percentage of US drivers who are uninsured: 12.6%
Percentage of Mississippi drivers who are uninsured: 23.7%

Uninsured motorist insurance lets you rest assured that if an uninsured, underinsured, or hit-and-run driver is responsible for a collision with your vehicle, you will receive the compensation you are due without needing to go through expensive lawyers or time-consuming lawsuits.

How High Is the Auto Theft Rate in Ridgeland?

The good news is that the auto theft rate in Mississippi is lower than the national average, and in Ridgeland the risk is lower still. But while residents of this city may only report about 20 auto thefts a year, chances are good that you will at some point drive into areas with higher risk.

National auto theft rate per 1,000 vehicles: 2.28
Mississippi auto theft rate per 1,000 vehicles: 2.34
Ridgeland auto theft rate per 1,000 vehicles: 0.73

In order for you to be reimbursed for an auto theft, your car insurance policy must include comprehensive coverage. Talk to your insurance agent to learn how much it will cost you to add this important coverage to your car insurance policy.

Why Work with an Independent Insurance Agent in Ridgeland, MS?

Independent agents can be a great source of information when you are looking for the right car insurance policy. These insurance professionals can explain your many coverage options, answer your insurance-related questions, and help you review offerings from multiple providers.

Be sure you are choosing a policy that offers you the best value for your money. Contact an independent insurance agent with an office in Ridgeland to start comparing customized car insurance quotes.

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