West Point Car Insurance

West Point, MS has a population of 10,675 residents and is known as "the Granary of Dixie." The city that has been home to the president of Coca-Cola and the chairman of Sara Lee is a beautiful place to live. 

If you reside in this historic city where de Soto camped, you'll want car insurance. An independent insurance agent can help you get the coverage you need.. 

What Car Insurance Requirements Are in West Point, MS

Each state has its own mandated requirements in order to access the roadways. If you are a licensed driver, you'll need specific coverage to drive in Mississippi. Let's take a look at those requirements. 

Mississippi state auto insurance requirements:

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

Liability at these state minimum limits is required to drive in MS. However, these limits are often too low and won't provide you with much coverage in the event of a loss. With the average vehicle sales price in the US at $36,082, state minimum limits won't even cover one vehicle. Discuss coverage options with your agent to get the best insurance for you. 

Additional Coverage to Include in Your West Point, MS Auto Policy

Coverage requirements in West Point, MS are pretty standard. To be adequately protected, you'll want additional coverages. Your car insurance policy will include liability, but other coverages may need to be added, including.

• Gap coverage will pay for the difference between your auto loan and the value of your vehicle in the case of a total loss. 
• Tow coverage will pay for a tow if you are stranded on the side of the road. 
• Rental car coverage will provide reimbursement up to a preselected dollar amount for a rental vehicle. This has to be due to an associated claim. 
• Medical payments coverage will provide for smaller medical expenses, so your liability limits aren't used. 
• Comprehensive coverage will pay for property damage to your vehicle that is not a collision.
• Collision coverage pays for property damage to you or another person's car or property in the event of a collision.

As you can see, there are quite a few options that can be added to your car insurance policy. It's best to discuss coverage with a licensed insurance agent, so you know what to choose in West Point, MS.  

Do You Need Uninsured and Underinsured Motorist Insurance in West Point, MS?

Uninsured/underinsured motorists coverage will protect you when another driver is uninsured. This coverage extends liability and property damage insurance when the other party does not have any, or enough, coverage. Let's look at the percentage of uninsured drivers:

• National: 13.0%
• Mississippi: 23.7%

Statewide, 23.7% of drivers are uninsured in Mississippi. Some of those drivers are in West Point. To better protect yourself and loved ones, speak with your agent about adding uninsured/underinsured coverage to your policy.

Save on Car Insurance

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

Request a Quote

How Theft Rates Affect Your West Point, MS Car Insurance

If your car gets broken into, auto insurance will respond as long as you have comprehensive coverage. Comprehensive and collision coverage is referred to as full coverage for your vehicle. Most insureds have full coverage, but if you have an older car, you may choose to forgo this option.

Theft rates per 1,000 vehicles:

• National average: 2.37
• Mississippi average: 1.45
• West Point average: 1.68

West Point is lower than the national average but higher than the state for theft rates. Chat with your independent agent about how this will affect your auto insurance premiums. 

How Much Does Car Insurance Cost in West Point, MS?

Car insurance rates have increased substantially in the last decade. This is due to the number of auto accidents, and claims reported. The more money the carriers have to pay out, the more they need to recoup their losses. Some rating factors you should be aware of are below:

• Crime rates in West Point, MS
• Weather risks and natural disasters in West Point, MS
• The coverages you choose for your West Point, MS auto policy
• Your claims history and insurance score
• Policy discounts that may apply for having multiple policies or safe driver credits

Car insurance premium averages:

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

Mississippi is higher than the national average for car insurance premiums, but that doesn't mean your West Point car insurance rates will be that high. Each person is rated based on their specific risk factors. To find your exact car insurance pricing, contact your local independent agent.

Are You Covered as an Uber or Lyft Driver under a West Point, MS Car Insurance Policy?

Contrary to popular belief, a typical auto policy won't provide coverage for transporting people or things. If you're getting extra cash by offering a for-hire livery service like Uber or Lyft, then your car policy probably excludes coverage. Things to ask your independent agent if you are a for-hire livery driver:

There are a select few carriers that will offer coverage when you are off the clock. Other carriers will exclude coverage altogether, while some may charge a higher premium to insure drivers during both transporting and personal use. Discuss your options with a West Point agent to see what local carriers have to offer.  

Connect with a West Point, MS Independent Agent Today

An independent insurance agent is different from other agents because they have options. They can quote your West Point car insurance with multiple carriers at once, saving you time and money. 

TrustedChoice.com works with independent agents who can customize your auto insurance to your specific needs. Connect with a local independent agent today and get A-rated protection.