How Much is Car Insurance for Good Drivers in Mississippi?

Our editors keep telling us that when writing about car insurance, the words “affordable” or “cheap” should never be used anywhere in the article to describe car insurance rates. Be that as it may, cheap car insurance for good drivers can be extremely hard to find. But don’t let us ruin your dream, because we will tell you how you can find and buy car insurance that is more affordable.

Deciding which companies have the most affordable insurance rates for good drivers may require a little more sweat in order to find the best policy. Each insurer has a unique approach for determining rates, so we’ll take a look at the insurance companies with the overall best prices in Mississippi.

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USAA may have some of the lowest car insurance rates in Mississippi at around $815 annually. Travelers, Unitrin, Direct General, and ALFA also rank well as some of the lowest-priced Mississippi insurance companies.

In this example, if you are currently insured with Direct General and switched to USAA, you could earn a yearly savings of about $515. Mississippi drivers with ALFA could save as much as $535 a year, and Southern Farm Bureau insureds might lower prices by $593 a year.

To get a fast rate comparison, click here to start a quote or quote rates from the companies below.

Be aware that those policy rates are averages across all drivers and vehicles and and are not calculated with a price discount for good drivers. So the company that has the cheapest rates for you may not even be featured in the above list. That’s why you need to compare prices as often as possible using your own specific driver and vehicle information.

For safe drivers, one of the big considerations that helps auto insurance companies calculate auto insurance rates is where you keep your car. Cities with more crime and/or more people like Natchez, Gulfport, and Ocean Springs tend to have more expensive car insurance rates, whereas cities that are not as densely populated profit from lower rates.

The following table rates the more expensive cities in Mississippi for good drivers in which to purchase auto insurance.

Premium costs are comparative as vehicle location can lower or raise prices greatly.

The make and model of vehicle you are trying to insure is probably the largest consideration that determines if you can find cheap auto insurance for good drivers in Mississippi. Vehicles with higher performance characteristics, poor crash test ratings, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.

The data below features auto insurance prices for a handful of the most affordable vehicles to buy insurance for.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate information does not factor in specific zip code location which can raise or lower rates greatly.

Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Premium amounts do not factor in specific Mississippi garaging location which can modify insurance rates significantly.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact insurance rates considerably.

The illustration below shows how choosing a deductible can change insurance costs when researching cheap insurance for good drivers. The rate quotes are based on a single female driver, full coverage, and no discounts are applied.

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In the chart above, a 50-year-old driver could lower rates by $256 a year by switching from a $100 deductible to a $500 deductible, or save $388 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, can save as much as $648 or even more by selecting a higher deductible.

If you do decide to increase your deductibles, it is a good idea to have spare funds to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Insurance company ratings

Insuring your vehicle with a highly-rated auto insurance provider is difficult considering how many different companies insure vehicles in Mississippi. The information in the next section may help you select which auto insurers to look at comparing rate quotes with. These rankings include the companies with a significant amount of written premium nationwide, so companies that focus mainly on Mississippi business are not factored into the list.

Who has the cheapest insurance quotes for safe drivers?

Drivers have many ways to find cheaper insurance in Mississippi, but the most prevalent are through an exlusive agent like Liberty Mutual or State Farm, an independent insurance agent, or from a direct company like Geico or Progressive. All three ways are similar, but each is different in how they work.

Independent agents have contracts with many companies and can get policy pricing from each one. Agents of this type do not work for one specific company and can provide you with more rate quotes, which may provide you with improved chances of finding a lower rate. If your agent finds better pricing, it’s easy for the agent to move the policy and that require little work on your part.

A captive or exclusive agent is only able to write with a single company, two of the more popular are Liberty Mutual and Allstate agents. These agents normally cannot compare other company’s rates, which necessitates shopping around.

Direct insurance buyers bypass a local insurance agent and buy from a direct company like Geico or Progressive. Shopping direct may be the best choice people who have little risk and know what coverage options they need.

What is the best method for finding cheap auto insurance for good drivers in Mississippi? The majority of people assume that buying from a direct company results in the cheapest rates since there is no need to pay agent commissions, but that does not always hold true. It would also be easy to say buying insurance from an independent agent guarantees the lowest rates because you have more choices, but again, it’s not necessarily true. And occasionally, the exclusive agents have price quotes that independents and direct companies can’t touch.

Since insurance prices are based on many different factors, really the only way to buy the cheapest policy is to get as many comparison quotes as possible. Industry experts recommend getting prices from all three to have enough rates to compare. For a list of companies with cheap rates in Mississippi, click here to view.

How to find budget-friendly auto insurance for good drivers

Below you’ll find some thrifty ideas that can help Mississippi drivers get low-cost coverage.

• Pay cheaper rates with good credit scores
• Save money by bundling your home and auto policies
• Being accident-free can lower rates significantly
• Buy a car with high safety ratings
• Save money by insuring older vehicles for liability only
• Shop around for cheaper prices

That last tip is highly vital, as we stressed in this article. Rates can be changed at any time, so don’t be tentative to switch to a new company if a lower price can be found. Sticking with a specific company is fine, but we do not recommend it if it’s costing you money that could be used for better things. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for good drivers.