Cheap Car Insurance Quotes for Drivers with Accidents in Mississippi

Deciding which companies offer the most affordable insurance rates for drivers with accidents will require a little more effort in order to find the lowest price. Each insurer has a different process for determining prices, so let’s look at the rankings for the insurance companies that tend to be cheaper in Mississippi.

It’s important that readers know that Mississippi insurance rates are influenced by many factors which can significantly increase or decrease the price you pay. Simply having a birthday, buying a different vehicle, or getting a reckless driving citation may generate price changes that can cause some rates to be more affordable than the competition.

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USAA generally has some of the cheapest car insurance rates in Mississippi at around $815 per year. Travelers, Unitrin, Direct General, and ALFA also qualify as some of the lowest-priced Mississippi auto insurance companies.

As shown in the rates above, if you are insured with Direct General and switched to USAA, you might achieve annual savings of approxmiately $515. Customers with ALFA may save as much as $563 a year, and State Farm insureds might reduce rates by $607 a year.

To find out how your current rates compare, click here to start your free quote or visit any of the low-priced companies below.

Be aware that those rates are averaged across all drivers and vehicles in Mississippi and and are not calculated with a rate surcharge for drivers with accidents. So the company that fits your age and vehicle best may not even be featured in the list of companies above. That illustrates why you need to quote rates from many companies using your own driver information and specific vehicle type.

One of the many components that affect the annual cost of car insurance is where you normally keep your vehicle in Mississippi. Areas that are densely populated or have higher claim frequency like Gulfport, Clarksdale, and Pascagoula tend to pay higher rates, whereas cities that are not as densely populated generally pay lower insurance rates.

The illustration below lists the most expensive places in Mississippi for drivers with accidents in which to purchase auto insurance.

Rate information is estimated as the specific area where the vehicle is garaged can alter coverage prices significantly.

Types of discounts on Mississippi insurance rates

Insurers that offer cheap car insurance for drivers with accidents in Mississippi could also offer rate discounts that could lower prices by 25% or more if you qualify for them. Companies and some of the premium reductions they offer are shown below.

• State Farm may have discounts that include multiple policy, good driver, Drive Safe & Save, student away at school, and Steer Clear safe driver discount.
• GEICO discounts include military active duty, federal employee, driver training, multi-policy, and seat belt use.
• Allstate offers discounts including safe driver, economy car, auto/life discount, utility vehicle, and premier plus.
• SAFECO may offer discounts for anti-theft, bundle discounts, anti-lock brakes, accident prevention training, and safe driver.
• Farm Bureau policyholders can earn discounts including renewal discount, driver training, 55 and retired, multi-policy, and safe driver.
• Progressive may include discounts for homeowner, multi-vehicle, continuous coverage, good student, online signing, multi-policy, and online quote discount.
• AAA has savings for pay-in-full, multi-car, good student, education and occupation, good driver, and AAA membership discount.

The example below visualizes the comparison of auto insurance rates with and without discounts being applied to the rates. The costs are based on a male driver, two at-fault accidents and no violations, Mississippi state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, paid-in-full, continuous coverage, homeowner, passive restraint, and anti-theft discounts applied. In this example, the the amount saved on insurance for drivers with accidents is 28% or $1,263.

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How to find more affordable auto insurance for drivers with accidents

It is possible to find better rates, and here are some of the recommended penny-pinching suggestions that can help Mississippi drivers quote lower-cost auto insurance.

• Increase your credit score
• Pay for smaller claims out-of-pocket
• Vehicles with safetly features generally cost less to insure
• Staying accident-free helps keep rates low
• Be a cautious driver
• Ensure you have the best deal by shopping around regularly

The last idea is incredibly crucial, as we emphasized in the prior article. Auto insurance prices can be modified anytime, so drivers shouldn’t hesitate to buy from a new company if you can save money. Brand loyalty is not necessarily bad, but we do not recommend it if that stubbornness costs you a small fortune year after year. Spend a few minutes and compare prices and find cheaper auto insurance for drivers with accidents.