The secret to finding a cheap Mississippi car insurance is comparing quotes from multiple auto insurance providers. But since there are hundreds of insurance companies in Mississippi, it is virtually impossible to get quotes from all of them. To get the short list of the cheapes auto insurance providers in your area, simply enter the zip code. Within just a few minutes you can enjoy your new low cost car insurance.
If you are interested to learn more about vehicle insurance requirements and laws in MS, please continue reading.
Mississippi Car Insurance Requirements
The minimum requirement for a Mississippi auto insurance is the liability coverage for bodily injuries and property damages. The state also requires the car owner to carry a minimum coverage amount on their liability insurance. The required minimum coverage amount for bodily injuries is $25,000 for every injured person or a total of $50,000 for the accident. The required minimum coverage amount for property damages is at least $25,000. In the state of Mississippi this minimum insurance requirement is known as the 25/50/25 coverage.
Mississippi follows the tort system with regards to vehicular accidents or collisions. Under the tort system, there is always someone at fault who caused the vehicular accident or collision. That person responsible and his or her insurance provider should be the one to pay for the cost of the accident.
Some Tips on How to Save on Your Mississippi Car insurance
1. Make inquiries and ask for quotes from as many car insurance providers you can find. This is the only way you could make sure that you have found the best and reasonable rate for your car. This would not take too much of your time since you can find plenty of car insurance providers in the internet. A quick online search can get you good results.
2. Increasing the amount of your deductibles is a good way to lower your car insurance premiums. A deductible is the amount you have to shoulder in the event of a vehicular accident. If the cost of the accident has exceeded the deductible, then the insurance provider will shoulder the rest provided that it does not exceed your coverage amount. If the personal injuries and car damages are minor there is no need to file a claim with the insurance company. Frequent claims for personal injuries and car damages will tend to increase your car insurance premium.
3. You can consider bundling all your insurance policies with one insurance provider. If you have your home and car insurance policies handle by single insurance company, you are more likely to receive a discount from them. In order to make sure you get a discount inform them about the various insurance policies you have with them. Most insurance companies are willing to give discount to multiple insurance policyholders.The DUI Laws in the State of Mississippi
In the Mississippi, a driver caught operating a motor vehicle while intoxicated can be arrested for drunk driving. A driver who has a blood alcohol concentration (BAC) level of .08 percent or greater is considered drunk in the state of Mississippi. Even if the driver has a BAC level below .08 percent he or she can still be arrested if the arresting officer observes that the driver shows signs of impairment in driving or fails the field sobriety test. A driver has the right to refuse a field sobriety test without fear of any consequences. However, once the police authorities asks the motorist for a chemical test, refusal of such test will mean violating Mississippi’s implied consent law and will result in the suspension of the driver’s license for a minimum period of 90 days. Driving within the state of Mississippi implies that you consent to submit to a chemical test to check for the level of blood alcohol concentration in your system.
Penalties for First Time DUI Offenders in the State of Mississippi
1. First time DUI offenders face the possibility of spending time in jail which can last up to 48 hours. However, the court can order alternative penalties instead of jail time. One alternative is the payment of a fine or an attendance in a victim impact panel meeting.
2. The fine that a first time DUI offender can pay will range in the amount of $250 and $1,000 plus all court related fees and expenses. However, the court may order the offender to spend some time in jail instead of paying the fine. Whatever penalty the DUI offender will be ordered to do, the court related fees and expenses will still be personally shouldered by the offender.
3. The driver’s license of a first time offender will usually be suspended for a minimum period of 90 days. But if the DUI offender was also arrested for causing an accident which resulted in bodily injuries or property damages to another person or party, the suspension period can be increased.
4. A first time offender will only be eligible for a hardship license after serving at least 30 days of the suspension period and have met all the requirements set forth by the state.
5. A first time DUI offender will also be required to attend and successfully complete an alcohol safety education program approved by the state. The cost of attending such program will be personally shouldered by the DUI offender.
Penalties for Second Time DUI Offenders in the State of Mississippi
1. A second DUI conviction will mean spending time in jail for at least 5 days but could reach up to 1 year. The jail time period will depend on the previous conviction and present circumstances of the case. This time the jail sentence will not be substituted or reduced.
2. For a second DUI offense, the fine will be set between $600 and $1,500 plus any additional court related fees and expenses. Because it is a second DUI conviction, the fine imposed by the court will neither be suspended nor reduced.
3. The driver’s license suspension period for a second DUI conviction is 2 years. However, the suspension period can be increase further if the offender also caused an accident which resulted in bodily injuries or property damages to another person or party.
4. A second time offender will not be eligible for a hardship license and instead must wait for the suspension period to end before being allowed to drive a motor vehicle again.
5. A second time DUI offender will be ordered to submit to a diagnostic assessment and successfully complete an alcohol treatment program. The cost of the diagnostic and treatment program will be personally shouldered by the DUI offender.
6. For the second DUI conviction, the offender will be ordered to render community service for a minimum of 10 days but could last up to a year. The length period of the community service will depend on the previous conviction and the present circumstance of the case.
7. The second time DUI offender will receive a letter from the state which will warn the offender a third DUI conviction will result in the forfeiture of his or her vehicle to the state.
Average Car Insurance Rate in Mississippi versus the National Average
In Mississippi, the average car insurance premium is estimated to be around $1,129 which is much lower than the national average of $1,442. However, a few cities in Mississippi have an average car insurance cost that is a bit higher than the national average.
The Top Ten Vehicles Stolen in the State of Mississippi
Chevrolet Pickup Full Size 1994 Model
Ford F150 Pickup 2006 Model
Chevrolet Impala 2005 Model
Chevrolet Caprice 1991 Model
Dodge Ram 2001 Model
Honda Accord 1996 Model
Oldsmobile Cutlass / Supreme / Ciera 1995 Model
GMC Pickup Full Size 1997 Model
Buick Lesabre 1990 Model
Mercury Grand Marquis 1997 Model
If you are interested to learn more about vehicle insurance requirements and laws in MS, please continue reading.
Mississippi Car Insurance Requirements
The minimum requirement for a Mississippi auto insurance is the liability coverage for bodily injuries and property damages. The state also requires the car owner to carry a minimum coverage amount on their liability insurance. The required minimum coverage amount for bodily injuries is $25,000 for every injured person or a total of $50,000 for the accident. The required minimum coverage amount for property damages is at least $25,000. In the state of Mississippi this minimum insurance requirement is known as the 25/50/25 coverage.
Mississippi follows the tort system with regards to vehicular accidents or collisions. Under the tort system, there is always someone at fault who caused the vehicular accident or collision. That person responsible and his or her insurance provider should be the one to pay for the cost of the accident.
Some Tips on How to Save on Your Mississippi Car insurance
1. Make inquiries and ask for quotes from as many car insurance providers you can find. This is the only way you could make sure that you have found the best and reasonable rate for your car. This would not take too much of your time since you can find plenty of car insurance providers in the internet. A quick online search can get you good results.
2. Increasing the amount of your deductibles is a good way to lower your car insurance premiums. A deductible is the amount you have to shoulder in the event of a vehicular accident. If the cost of the accident has exceeded the deductible, then the insurance provider will shoulder the rest provided that it does not exceed your coverage amount. If the personal injuries and car damages are minor there is no need to file a claim with the insurance company. Frequent claims for personal injuries and car damages will tend to increase your car insurance premium.
3. You can consider bundling all your insurance policies with one insurance provider. If you have your home and car insurance policies handle by single insurance company, you are more likely to receive a discount from them. In order to make sure you get a discount inform them about the various insurance policies you have with them. Most insurance companies are willing to give discount to multiple insurance policyholders.The DUI Laws in the State of Mississippi
In the Mississippi, a driver caught operating a motor vehicle while intoxicated can be arrested for drunk driving. A driver who has a blood alcohol concentration (BAC) level of .08 percent or greater is considered drunk in the state of Mississippi. Even if the driver has a BAC level below .08 percent he or she can still be arrested if the arresting officer observes that the driver shows signs of impairment in driving or fails the field sobriety test. A driver has the right to refuse a field sobriety test without fear of any consequences. However, once the police authorities asks the motorist for a chemical test, refusal of such test will mean violating Mississippi’s implied consent law and will result in the suspension of the driver’s license for a minimum period of 90 days. Driving within the state of Mississippi implies that you consent to submit to a chemical test to check for the level of blood alcohol concentration in your system.
Penalties for First Time DUI Offenders in the State of Mississippi
1. First time DUI offenders face the possibility of spending time in jail which can last up to 48 hours. However, the court can order alternative penalties instead of jail time. One alternative is the payment of a fine or an attendance in a victim impact panel meeting.
2. The fine that a first time DUI offender can pay will range in the amount of $250 and $1,000 plus all court related fees and expenses. However, the court may order the offender to spend some time in jail instead of paying the fine. Whatever penalty the DUI offender will be ordered to do, the court related fees and expenses will still be personally shouldered by the offender.
3. The driver’s license of a first time offender will usually be suspended for a minimum period of 90 days. But if the DUI offender was also arrested for causing an accident which resulted in bodily injuries or property damages to another person or party, the suspension period can be increased.
4. A first time offender will only be eligible for a hardship license after serving at least 30 days of the suspension period and have met all the requirements set forth by the state.
5. A first time DUI offender will also be required to attend and successfully complete an alcohol safety education program approved by the state. The cost of attending such program will be personally shouldered by the DUI offender.
Penalties for Second Time DUI Offenders in the State of Mississippi
1. A second DUI conviction will mean spending time in jail for at least 5 days but could reach up to 1 year. The jail time period will depend on the previous conviction and present circumstances of the case. This time the jail sentence will not be substituted or reduced.
2. For a second DUI offense, the fine will be set between $600 and $1,500 plus any additional court related fees and expenses. Because it is a second DUI conviction, the fine imposed by the court will neither be suspended nor reduced.
3. The driver’s license suspension period for a second DUI conviction is 2 years. However, the suspension period can be increase further if the offender also caused an accident which resulted in bodily injuries or property damages to another person or party.
4. A second time offender will not be eligible for a hardship license and instead must wait for the suspension period to end before being allowed to drive a motor vehicle again.
5. A second time DUI offender will be ordered to submit to a diagnostic assessment and successfully complete an alcohol treatment program. The cost of the diagnostic and treatment program will be personally shouldered by the DUI offender.
6. For the second DUI conviction, the offender will be ordered to render community service for a minimum of 10 days but could last up to a year. The length period of the community service will depend on the previous conviction and the present circumstance of the case.
7. The second time DUI offender will receive a letter from the state which will warn the offender a third DUI conviction will result in the forfeiture of his or her vehicle to the state.
Average Car Insurance Rate in Mississippi versus the National Average
In Mississippi, the average car insurance premium is estimated to be around $1,129 which is much lower than the national average of $1,442. However, a few cities in Mississippi have an average car insurance cost that is a bit higher than the national average.
The Top Ten Vehicles Stolen in the State of Mississippi
Chevrolet Pickup Full Size 1994 Model
Ford F150 Pickup 2006 Model
Chevrolet Impala 2005 Model
Chevrolet Caprice 1991 Model
Dodge Ram 2001 Model
Honda Accord 1996 Model
Oldsmobile Cutlass / Supreme / Ciera 1995 Model
GMC Pickup Full Size 1997 Model
Buick Lesabre 1990 Model
Mercury Grand Marquis 1997 Model
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