Laurel, MS Car Insurance

If you are shopping for a policy on a new car or a better priced plan, this guide to car insurance is for you. Don’t have time to shop for the best deal? A local independent insurance agent is here to help. Laurel independent insurance agents know your community, and they know what’s important to drivers like yourself. 

Getting the Best Price for Laurel, Mississippi, Car Insurance 

Most motorists aren’t sure how they can go about finding plenty of auto coverage for the least amount of money. In fact, Mississippi citizens usually pay more for car insurance than those in other states.

• Laurel, MS, average annual premium: $1,608
• 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 Laurel, the theft rate is 1.42 per 1,000 cars which is lower than the national average, yet still troubling if you’re the one person who has their car stolen. 

Your local independent agent knows all about which car insurance policies have the most competitive premiums for local drivers. They also know the best carriers and rates for home insurance and life insurance too. 

Which Coverage Is Most Important for Driving Laurel, Mississippi, Roads

In 2000, Mississippi lawmakers decided drivers needed to have liability coverage to protect other vehicles, other people, and the property of others. These are the liability amounts Mississippi motorists must have to drive around legally:

• Pay for one person’s medical bills: $25,000 per person (limited to a single accident) for bodily injury
• Pay for multiple medical bills: $50,000 per accident for bodily injury
• Pay for someone else’s car repairs: $25,000 per accident for property damage

You can certainly pick higher limits for liability coverage and all other car insurance benefits too. Or you may want to purchase an umbrella insurance policy to absorb any damage that exceed your liability policy benefits. Local insurance agents will be more than happy to go over all your choices. 

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Getting Full Coverage Options for Laurel, Mississippi, Drivers 

Liability only policies don’t fix damage to your own car and won’t be covered under a liability plan. Instead you’ll need to buy extra auto coverage. Your local agent can fill you in on all the bonus benefits available to buy and what they do for you. Of course, if you’re paying on a car loan, your lender will tell you the insurance coverages you must have to keep your loan in good standing. 

• Fix or replace your car after an accident with another vehicle: Collision coverage pays for repairs on 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.
• Fix or replace your car after an accident of any kind: Comprehensive coverage 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.
• Pay your own medical bills if you’re hurt in an accident: Some states call this “Personal injury protection” or “PIP”. If you are physically injured in a car crash, this benefit will reimburse you for medical bills (e.g., doctor’s visits, hospitalizations, pain meds), according to your policy limits.
• Pay for repairs and medical care when the other driver can’t: Uninsured motorist coverage 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.

Remember, even if the worst day of your life does happen, you can call your Laurel insurance agent for help getting the claim settled. Your local agent will have a ton of motivation to get you back on the road again.

How to Get Affordable Laurel, Mississippi, Car Insurance

Your local insurance agent will ask for lots of details about your driving history and your car. The answers to these questions will influence your final premium amount. Keep in mind, there are a few rules of thumb you can use to lower your car insurance premium.  

• Higher deductibles equal lower premiums 
• The fewer miles you drive each year, the lower premium you’ll pay
• Better pricing is given to drivers with good credit
• Paying your full premium up front will save you monthly installment fees
• Never let your insurance lapse because your next policy will cost more
• Older car models (five years old or later) can save you premium 
• Keep your driving record clean and enjoy lower pricing
• The more education you’ve had, the less you might pay 

Check into These Car Insurance Discounts

Obviously, a great way to cut 5%, 10%, or even 20% off your car insurance premium is by getting policy discounts. Your Laurel insurance agent will get you all the savings you qualify for, including these popular discounts.

• Safe driving 
• Accident free
• New customer 
• Low mileage
• Safety features (e.g., air bags, car alarms)
• Military or veteran
• Senior 
• Good student 
• Professional organization membership
• Bundling or combining of auto insurance with other policies through the same insurer
• Paperless policies
• Automatic premium withdrawals 

Start Shopping for Car Insurance and Save Money Today

With all the different options and legal requirements for car insurance, it can get confusing finding the best policy. Make car insurance shopping a lot easier by talking with an independent insurance agent about your choices. Your Laurel agent will find the best quote for your budget and your needs. The great part is that your local agent won’t charge you a dime for their professional assistance. 

Contact an independent insurance agent today to get yourself insured with a cheaper plan, and then get out on the road.