Cheap Car Insurance for Handicapped Drivers in Mississippi

Finding decent, low-cost auto insurance is not always easy, and figuring out which company has the most affordable insurance rates for handicapped drivers may require even more diligence. Each auto insurance company has a unique formula to set policy rates, so let’s take a look at the lowest cost insurance companies in Mississippi.

It’s important that you understand Mississippi insurance rates are impacted by many things which can substantially decrease or increase the cost of having a policy. This price variation is why it is crucial to do a thorough rate comparison when trying to find the cheapest auto insurance quotes for handicapped drivers. Insurance prices are determined by many things and can decrease or increase without notice, so the most affordable company a year ago may now be priced much higher than other options.

Lowest Insurance Price Quotes in Mississippi

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USAA generally has some of the best car insurance rates in Mississippi at around $807 a year. Travelers, Unitrin, Direct General, and ALFA also qualify as some of the most economical Mississippi car insurance companies.

In the above rates, if you are a customer of Direct General and switched to USAA, you might realize yearly savings of roughly $471. Policyholders with ALFA may save as much as $530 a year, and State Farm customers might realize rate reductions of up to $600 a year.

Be aware that those premium estimates are averages across all insureds and vehicles and and are not figured with a price decrease for handicapped drivers. So the auto insurance company that fits your situation best may not even be featured in the list above. That emphasizes why you need to get auto insurance quotes using your own personal information and vehicle type.

The vehicle model driven is one of the largest factors when trying to find the best cheap coverage for handicapped drivers. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models.

The next table outlines auto insurance prices for the cheaper vehicles to buy coverage for.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in vehicle garaging location which can influence coverage rates noticeably.

Looking at the rates, you can figure that vehicles like the Ford Explorer, Kia Forte, and Chevrolet Traverse are most likely to be some of the less-costly vehicles to insure for drivers with handicaps.

One of the more important things that determine the price of your policy is where you normally keep your vehicle in Mississippi. Cities with larger populations or higher claim trends like Natchez, Clarksdale, and Clinton tend to have higher auto insurance costs, whereas less populated areas receive better rates.

The illustration below ranks the most costly cities in Mississippi for handicapped drivers to buy car insurance in.

Annual rates are approximated as the specific geographic location can alter price quotes noticeably.

Impact of speeding/accidents on Mississippi insurance rates

In a perfect world, the ideal way to score cheap auto insurance for handicapped drivers in Mississippi is to be a careful driver and avoid tickets and accidents. The illustration below demonstrates how citations and at-fault claims can impact insurance prices for each different age group. The data is based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

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The data charted above shows the average cost of car insurance in Mississippi per year with no accidents and a clean driving record is $1,172. Factor in two speeding tickets and the average cost jumps to $1,658, an increase of $486 each year. Then add in one accident along with the two speeding tickets and the annual cost of insurance for handicapped drivers goes up to an average of $2,146. That’s an increase of $975, or $81 per month, just for not paying attention while driving!