Between long commutes on I-10 and Highway 90, summer storms, and a high share of uninsured drivers, Mississippi drivers have good reasons to look closely at their auto policy. Here’s what each coverage does and how to avoid paying for the wrong things.
The coverages on a Mississippi auto policy
- Liability (required): pays for injuries and damage you cause to others. Mississippi’s minimum is 25/50/25. Here’s what that means and why it’s often not enough.
- Uninsured/underinsured motorist: protects you when the at-fault driver has no insurance or too little. In Mississippi, it’s one of the most important coverages you can carry. Learn why.
- Collision: repairs your car after a crash, no matter who’s at fault. Usually required if you have a loan or lease.
- Comprehensive: covers theft, hail, falling trees, hitting a deer, and flooding. If your car floods in a storm, this is the coverage that pays.
- Medical payments: helps with medical bills for you and your passengers after an accident.
- Rental reimbursement and roadside assistance: inexpensive add-ons that are worth having when you need them.
Simple ways to pay less
- Bundle your auto and home or renters policies with the same carrier.
- Raise your collision and comprehensive deductibles, but only to an amount you could pay tomorrow.
- Ask about discounts: good student, safe driver, multiple vehicles, paying in full, and paperless billing.
- Drop collision on an older car once its value is close to what you’d pay in premium and deductible.
- Shop your policy every year or two. Rates change, and loyalty isn’t always rewarded.
Auto insurance guides
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Mississippi Car Insurance Requirements: What 25/50/25 Means (and Why It’s Rarely Enough)
Mississippi requires 25/50/25 liability coverage. Here’s what those numbers mean and why the state minimum can leave you personally on…
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Uninsured Motorist Coverage in Mississippi: Why It Matters Here
Mississippi has one of the highest shares of uninsured drivers in the country. Here’s how uninsured motorist coverage protects you.
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