Before you can purchase a Mississippi car insurance policy, you need to be aware of the legal requirements. In order to drive a vehicle in the state of Mississippi, you must have a minimum of liability auto insurance. Liability auto insurance protects you and your vehicle against damages and injuries that occur in car accidents. Most states require drivers to carry auto liability insurance. However, there are some states that do not. In those states, it is important to have uninsured motorist protection insurance. MS car insurance provides coverage for both the insured vehicle and the other individual or vehicle at fault in an accident. The minimum levels of coverage are required by law: $25,500 per individual for bodily injury and property damage. The additional amounts needed to provide full coverage are: collision damage limit $2,500, comprehensive cover unlimited, medical payments limit unlimited, underinsured motorist coverage and miscellaneous injuries limit. These limits vary from state to state. Comprehensive cover is available through many insurance companies. This type of coverage protects you for damage to both the insured property and other individuals or vehicles that may be involved in an accident with you. It is usually the most expensive type of insurance plan because it includes comprehensive and collision coverage on a vehicle. Some states, such as Mississippi, do not require the presence of a third-party liability policy in order to legally drive a vehicle. If Insureinfoq decide to purchase a comprehensive or collision insurance plan, you should know the following information. If you are in the market for Mississippi car insurance renewal, you should shop around to determine which companies are the best quotes. The easiest way to do this is to contact a broker. Brokers work for numerous different companies and can provide you with prices from several different insurers. Your driving history will have a direct impact on the cost of your premiums. Insurance companies keep your past claims in mind when deciding whether or not to insure you. If you have never made any claims before, you will have a lower premium. There is a limit to the number of years you may claim; the longer your policy period, the higher your premium. For example, if you have a three-year policy period, your insurance company will charge you a monthly rate of between eight and ten percent. If you have filed more than one claim within the past three years, your insurer may limit your policy period to two years. Dual coverage with liability and comprehensive is popular among drivers in the Gulf state. Many people opt for this type of policy to protect both their vehicle and their belongings. This is also known as cashless garages. A cashless garage protects your vehicle from theft, while providing you with protection from personal injury liability. Comprehensive coverage provides you with coverage for damage to your vehicle caused by an accident or vandalism. Vehicle tracking devices or immobilizers may also be added to your car insurance. If your vehicle is stolen, the device can help you track it down, recover it, and notify the police. These devices may also help you avoid theft by allowing you to deactivate the alarm system of your vehicle, so that you won't alert anyone that it has been stolen. In some states, an uninsured motorist policy helps pay for expenses related to an accident. If you are at fault in an accident, uninsured motorist coverage helps pay for expenses related to repairs or medical bills resulting from an accident. This is usually required if you have no insurance at all. However, if your existing insurance covers at least some of these expenses, you may choose to purchase additional coverage to supplement it.
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