How to Find Cheaper Auto Insurance in Mississippi?

Answer 1

In that southern state of Mississippi, it is still possible to find cheaper auto insurance. Anyone doing research on the internet will find that the auto insurance rates in this state are lower than the entire country. However, Mississippi has been rated second in the road fatalities of all of the states. It is also rated second in number of uninsured drivers. Still the Mississippi insurance rates are lower than the national average.

One reason for the cheaper auto insurance in Mississippi is that is considered to be a low-income state. Most drivers only purchase the very cheapest insurance to keep them legal. The only problem with that is when something does happen, such as an accident or theft, the deductibles are very high. Auto insurance companies in Mississippi kept the increases in rates down when other states had increased liability rates so that the drivers would not let their insurance lapse. Even though this was done, still many drivers had let their insurance expire.

One way to find cheap auto insurance is to be a non-smoker. When combining the auto insurance with the home insurance the rates will be much more inexpensive. Mississippi is another state that rewards a young driver on the policy if that driver has good grades.

Any driver who does not drive every day and only once in a while should consider purchasing pay-as-you-drive auto insurance. This type of insurance offered in Mississippi can offer as much as a 50% discount if the driver is safely driving under a limited mileage set by the insurance company. Another common sense way to lower auto insurance rates in Mississippi is to have safety and anti-theft devices such as air bags, daytime running lights, anti-lock brakes, alarms and other devices. It's also a good idea to take a defensive driving course to lower that insurance rate.

Keep in mind the hot spots where auto theft happens the most. These cities are Jackson, Memphis, Biloxi, Pascagoula and Hattiesburg which is considered to be the highest risk area. Residing or working in these cities will raise the rates of auto insurance.