Mississippi Car Insurance

Additional Mississippi car coverage considerations

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Mississippi drivers might consider:

• Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars. 
• Collision coverage: No-fault coverage that helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
• Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you’re hurt in a car accident and the responsible party either doesn’t have insurance, or doesn’t have enough insurance. 
• Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
• Auto loan/lease coverage: Covers the difference between what you owe on your lease or loan and the current value of your vehicle if it’s totaled in a covered accident.
• Roadside assistance: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your car unstuck from the mud. 
• Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Key factors impacting Mississippi auto insurance rates

There are several factors that impact auto insurance in Mississippi, including individual circumstances, location, weather patterns and more. Consider these key points:

• Driving history: Your individual driving record significantly impacts insurance premiums. Mississippi drivers with a history of accidents or traffic violations typically face higher rates, while those with clean records may have lower premiums. 
• Coverage options and limits: The types and amounts of coverage you choose affect premiums. Opting for the minimum required coverage in Mississippi tends to be more affordable, whereas adding optional coverages with higher limits increases premiums. 
• Vehicle type: The make and model of your vehicle can influence rates in Mississippi. Safety ratings, repair costs and the likelihood of theft contribute to premium calculations. 
• Claims in Mississippi: Insurance rates may be influenced by the frequency and severity of claims filed within the state. Accidents, theft or other incidents could lead to increased premiums for all drivers in Mississippi.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Mississippi auto insurance discounts

Amica offers various auto insurance discounts to help Mississippi drivers save more money on their premiums.¹ Here are some discounts that you may be eligible for:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program. 
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years. 
  • Defensive driver training: Taking an approved driver safety course can earn you a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Mississippi policy premium up front.

If you’re a Mississippi driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, policyholders can save more than 10% with a multiline discount.¹

Facts and figures about Mississippi

Fun facts about Mississippi:

• The Natchez Trace Parkway is a historic and scenic route that stretches 444 miles, passing through Mississippi, Alabama and Tennessee.² 
• Biloxi is the home of Barq’s Root Beer, invented by Edward Barq, Sr. in 1898.²
• At 26 miles long, Harrison County is the home of the world’s largest man-made beach.²

Facts about driving in Mississippi:

• In Mississippi, it’s recommended to only use your high beams in open country when no other vehicles are nearby.³ 
• When you’re driving in Mississippi, be mindful of bicycles, as they have the same rights as vehicles on public roads. Also, you must maintain a safe distance of three feet between you and bicycles on the road.³ 
• In Mississippi, texting while driving is illegal. If you need to make a phone call, be sure to use a hands-free device so you can keep your hands on the wheel.³

With Amica, Mississippi drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.