Leland Car Insurance

Leland, Mississippi, is a charming town of 3,981 residents on the western side of the state. It's known for being the "birthplace of Kermit the Frog" and childhood home of Jim Henson. 

If you call this historic town your home, you may need car insurance to protect your daily travels. You can use this tool insurance agent to connect with an independent agent who will show you the best options. 

What Does Car Insurance Cost in Leland, MS?

Car insurance rates vary depending on who's obtaining it. There are several factors that the insurance carriers use to determine your premium. One person's pricing may be different for another's, but knowing the state and national averages will give you an idea.

Average annual car premiums:

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

Your rates may be entirely different from these averages because each policy is individualized. The insurance companies use the following factors to rate your car insurance premiums:

• Where you live
• The crime rate in your area
• The number of claims reported where you live
• Your insurance score, credit score, and motor vehicle records
• The coverage you choose
• The year, make, model, and value of the vehicles you insure
• Your age  

Discuss your specifics with your local agent to get the exact car insurance pricing for you. 

What Insurance Coverages Does Leland, MS Require to Drive?

Each state has its own set of mandates regarding car insurance coverage. Generally, you have to pay for protection to use the roadways. Some states are more strict than others, but almost all of them have minimum requirements. 

Car insurance requirements in Leland, MS:

• Minimum liability limits of $25,000 per person/ $50,000 per accident/ $25,000 in property damage

If you're caught driving without these minimum coverages, you can be fined or worse. Get with your local independent agent to make sure you have adequate limits in place. 

Uninsured and Underinsured Motorist Coverage in Leland, MS

As you may already be aware, not every driver has car insurance. This poses a threat to you and your loved ones who use the same Leland backroads. The best way to protect yourself and your family is to get uninsured/underinsured motorists coverage or UM/UIM. This coverage will provide insurance in the event of a car accident if the other party involved isn't properly insured. 

The percentage of Mississippians without insurance is almost double the national average, putting you in harm's way more than you might like. 

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

Contact your independent agent to see how you can get Uninsured motorist coverage added to your existing auto policy before it's too late. 

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What Other Car Insurance Coverages Do You Need in Leland, MS?

There is more to your car insurance than just liability coverage. To be insured correctly, you'll want to speak with your agent on all the coverage choices your auto policy has to offer. Leland is a small town, but it's roadways are documented to have an average of 12 fatal accidents a year. 

Optional auto policy coverages:

• Comprehensive: Pays for property damage to your vehicle resulting from an obstruction hitting your car. 
• Collision: Pays for property damage to yours or another person's vehicle or property resulting from a crash.
• Towing: Pays for a covered auto to be towed.
• Rental car: Pays for a rental car needed as a result of a covered loss.
• Gap: Pays for the difference between what's left on your auto loan and your vehicle's value in case of a total loss. 

If you have a newer car, you may need all of these coverages. You won't know for sure until you speak with your independent agent and go over your car's specifics.

Does Theft Impact My Leland, MS Car Insurance?

If you ever become a victim of theft, the last thing you'll want to worry about is coverage. Theft of your personal property in your car or your car itself does occur in Mississippi. The better prepared you are for such incidents, the more you can take care of what matters. 

Average theft rate per 1,000 vehicles:

• National average: 2.37
• Mississippi average: 1.45
• Leland average: 1.16

Leland comes in lower than the state and national averages, making this small town a great place to feel safe. If you are wondering what impact the theft rate has on your car insurance, chat with your agent today.

Do You Need Liability Insurance in Leland, MS?

The state of Mississippi and the Leland city already mandate a minimum liability limit of $25,000/$50,000/$25,000. To further protect your assets, an umbrella policy is the way to go. 

Umbrella insurance is an additional liability policy that goes over your underlying home and auto policies. It will provide coverage above and beyond your underlying limits. It's often used in the event of a more significant claim where your regular home and auto policy limits have been exhausted.

Typical umbrella policy limits start at $1 million and go up from there, depending on how much coverage you want. Your local agent can help with obtaining quotes for your umbrella liability. 

How a Leland, MS Independent Agent Can Help

If you are a Leland local looking for the right auto insurance policy, an independent agent could be right around the corner. The benefit of working with someone local is they know the town and understand how to protect your investment in your car.

Go to TrustedChoice.com and use this find-an-agent tool independent insurance agent. The tool will connect you with a Leland local agent in minutes.