Who Has Cheap Auto Insurance Quotes for Uber Drivers in Mississippi?

The make and model of vehicle you are insuring is a large factor that determines whether or not you find cheaper coverage for Uber drivers. Vehicles with higher performance characteristics, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models.

The list below outlines car insurance rates for a number of the more afforable automobiles to insure.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Mississippi minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific garaging location which can affect rates significantly.

By looking at the data, we can conclude that vehicles like the Honda Accord, Hyundai Elantra, Honda CR-V, Chevrolet Traverse, and Ford Escape are likely to be a few of the cheapest vehicles to insure for Uber vehicles.

For Uber vehicles, one of the more important criteria used to establish auto insurance rates is the neighborhood you call home in Mississippi. Cities with larger populations or higher claim trends like Natchez, Vicksburg, and Pascagoula tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The illustration below rates the most expensive cities in Mississippi for Uber drivers in which to buy car insurance.

Information shown are approximated as the vehicle garaging location can increase or decrease insurance rates considerably.

Determining which companies quote the cheapest auto insurance rates for Uber drivers takes a little more sweat in order to find a policy that fits your budget.

Every insurance provider has their own guidelines for determining rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Mississippi. It’s important that you understand Mississippi auto insurance rates are impacted by many things which can significantly increase or decrease the cost of your policy. Turning one year older, moving to a different location, or getting a driving violation may generate price changes that can cause some rates to be affordable when they were higher priced.

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USAA may have some of the most affordable car insurance rates in Mississippi at around $831 per year. Travelers, Unitrin, Direct General, and ALFA also qualify as some of the cheapest Mississippi insurance companies.

As shown in the table above, if you currently buy coverage from Unitrin and switched to USAA, you could earn an annual savings of about $348. Insureds with Direct General may save as much as $499 a year, and ALFA policyholders might lower prices by $519 a year.

Understand that those premium estimates are averaged for all insureds and vehicles and and are not calculated with a price decrease for Uber drivers. So the auto insurance company that can offer the best rates for your situation may not even be shown in the company chart above. That helps illustrate why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

Choosing a good quality car insurance company is difficult considering how many companies sell coverage in Mississippi. The information in the lists below can help you pick which auto insurers you want to consider when comparing auto insurance rates for Uber drivers. The rankings below are only made up of the largest companies in the United States, so smaller regional companies are not factored into this list.

Top 10 Large Auto Insurers in Mississippi Ranked by A.M. Best Rating

1. Travelers – A++
2. GEICO – A++
3. State Farm – A++
4. USAA – A++
5. Nationwide – A+
6. Allstate – A+
7. The Hartford – A+
8. Progressive – A+
9. Titan Insurance – A+
10. Esurance – A+

Top 10 Large Auto Insurers in Mississippi Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Nationwide – 89%
5. Progressive – 88%
6. Safeco Insurance – 88%
7. State Farm – 88%
8. Allstate – 88%
9. Travelers – 88%
10. The Hartford – 87%

The illustration below demonstrates how deductibles can increase or decrease insurance premiums when researching cheap insurance for Uber drivers. The rate quotes are based on a married male driver, comp and collision included, and no discounts are factored in.

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In the chart above, a 30-year-old driver could lower rates by $248 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $376 by using a $1,000 deductible. Young drivers, like the 20-year-old, could reduce their rates up to $748 every year by choosing larger deductibles on their policy. When using a larger deductible, it is essential to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Who has the cheapest insurance quotes for Uber vehicles?

Consumers have many ways to compare cheaper auto insurance rates in Mississippi, but the most common methods are from a captive (or exclusive) agent like State Farm or Allstate, an independent or non-exclusive agent, or from a direct company like Progressive. You can use whichever method you prefer, but each is different in how they provide rate quotes.

Independent insurance agents write for multiple companies and can do rate comparisons with all of them. Agents of this type are not locked into one company and can provide multiple price quotes, which can help you get the best idea of how your rates compare. If cheaper coverage is found, it’s simple to move the policy and that require little work on your part.

An agent who is captive is limited to a single insurance company, for example an Allstate or Liberty Mutual agent. They are unable to place coverage with different providers, which necessitates shopping around.

Direct auto insurance buyers do not use a local agent and instead shop direct either online or via phone. Shopping for auto insurance direct can be a good choice for people who do not have a need for a risk management assessment and have knowledge of what coverages they need.

So comparing independent agents, exclusive agents, and direct, which one works best to find cheap car insurance for Uber drivers in Mississippi? It would be obvious to point out shopping direct yields the cheapest rates because there are no middleman commissions, but that is not always the case. We could also say that an independent agency is the best way since they have more companies to choose from, but that assumption is not true either. In a lot of cases, exclusive agencies have really good rates well below independent agents AND direct companies.

Because it’s impossible to say who has the best auto insurance rates, the one way to get the lowest rate is to get as many comparison quotes as possible. It’s a good idea to get rate quotes from independent agents, exclusive agents, and direct companies to have the best rate selection. For a list of companies with some of the cheapest Mississippi auto insurance rates, click here to view.