Best Cheap Car Insurance for Drivers with a DUI in Mississippi

The vehicle on the policy is one of the biggest factors that determines if you can find the best insurance for drivers with a DUI. Vehicles with high performance features, poor safety ratings, or a track record of large liability claims will cost substantially more to insure than more economical and safe models.

The table below showcases car insurance prices for a handful of the most budget-friendly vehicles to insure in Mississippi.

Premium data assumes married female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Mississippi minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Price information does not factor in Mississippi location which can change auto insurance rates substantially.

Looking at the rates, we can presume that vehicles like the Chevrolet Traverse, Ford Escape, Hyundai Elantra, and Honda CR-V are a few of the less-costly vehicles to insure after getting a DUI. The price of auto insurance will be more costly just due to the fact that there is a higher risk for drivers with a DUI, but in general those makes and models will have the least expensive rates that you are likely to find.

When buying auto insurance after getting a DUI, one of the key considerations that determine the amount you pay for auto insurance is where your car is garaged. Areas that are densely populated or have higher claim frequency like Natchez, Clinton, and Ocean Springs tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.

The next table rates the most expensive areas in Mississippi for drivers with a DUI to buy auto insurance in.

Rate information is approximated as specific location information can lower or raise premiums significantly.

Full coverage rates compared to liability-only

Finding the best cheap auto insurance for drivers with a DUI in Mississippi is probably important to most people, and one of the quickest ways to pay less for insurance is to buy liability only. The diagram below compares insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Mississippi. The costs are based on no claims or driving citations, $500 deductibles, single marital status, and no discounts are taken into consideration.

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Averaged for all ages 20 through 70, physical damage coverage costs an extra $2,027 per year more than insuring for liability only. That is a large expense which might make you wonder if paying for full coverage is worth it. There is no written rule of when to eliminate full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

The example below illustrates how your choice of deductibles can impact insurance rates when researching cheap insurance for drivers with a DUI. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2713,2483,2225,1977],[‘Age 30’, 1895,1729,1539,1359],[‘Age 40’, 1877,1717,1533,1359],[‘Age 50’, 1643,1505,1347,1197],[‘Age 60’, 1565,1433,1281,1135],[‘Age 70’, 1699,1551,1393,1243]]);var options = {title: ‘Comparison of Deductible Levels and Insurance Premiums in Mississippi’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 40-year-old driver could lower their policy premium by $296 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $446 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old example, could shave as much as $736 annually by using higher deductibles when buying full coverage.

When increasing deductibles, it is essential to have enough savings to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Find the best cheap auto insurance for drivers with a DUI in Mississippi

Lowering your rates is not difficult, and here are some money-saving ideas that can help you quote cheap coverage.

• Buying home and auto insurance together can earn discounts
• Assess whether full coverage is needed
• Drivers with good credit ratings often pay less
• Lower rates by purchasing a safer vehicle
• Avoid accidents
• Compare price quotes at least once a year

The last tip is notably crucial, as we hit on in the prior information. Coverage prices in Mississippi fluctuate considerably, so don’t be unwilling to buy from a different company if a lower-cost policy is available. Having a favorite company is fine, but it’s not recommended if that loyalty results in overpaying a wad of cash every year. Take a few minutes and compare rates to find cheaper insurance for drivers with a DUI.

Cheapest insurance quotes after getting a DUI

Thanks to the internet, there are a lot of ways to quote and buy insurance in Mississippi, but the most preferred are through a captive (or exclusive) agent like State Farm or Liberty Mutual, an independent or non-exclusive agent, or buying direct from a company like Progressive or Geico.

All three ways can provide insurance quotes, but it’s important to understand the differences in how they give price quotes.

Independent agents can place your business with multiple companies and can get rate quotes from every one. These types of agents do not sell for just one brand and can get prices from more than one company, which can give you the best shot at cutting your rates. If you want to switch companies, your agent can switch companies and the insured can keep the same agent.

An agent who is captive is only able to quote your policy with a single company such as Liberty Mutual and Allstate agents. These agents are not able to quote prices from more than a single company, so if prices are high they cannot provide alternatives.

Drivers who opt to buy insurance direct skip an agent and instead buy buying direct from a company like Progressive or Esurance. Shopping direct is a good choice for consumers who do not need high amounts of coverage and have some degree of understanding of what limits they need.

What is the best method for finding the best cheap auto insurance for drivers with a DUI in Mississippi? Our initial answer would be shopping direct results in the best prices because there isn’t an agent involved, but unfortunately, it’s not that simple. An argument could also be made that an independent agency saves the most money since they can quote with many companies, but again, that’s not accurate. And occasionally, the exclusive agents have really good rates that are impossible to beat.

Due to that fact that insurance uses so many rating variables, the only true way to ensure you are not overpaying is to get quotes and compare. Experts recommend getting price quotes from independent, exclusive, and direct to give yourself the best selection. For a list of companies offering online discounts in Mississippi, click here to view.