What’s Required by the State
Mississippi has some specific requirements when it comes to minimum auto insurance liability coverage. An easy way to remember it is 25/50/25. That is:
- Minimum $25,000 for death & injury per person
- Minimum of $50,000 for death & injury per incident involving two or more people
- Minimum $25,000 coverage for damage to property
And of course, always remember that your insurance provider needs to be authorized by the state of Alabama. Find more information here.
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Getting the Best Price
- Remember that the state minimums only apply to damages to other people and their property. It won’t cover your medical treatment or damage to your vehicle.
- Find the right balance between deductible and premium. Your deductible is an agreement to pay so much out of pocket when an accident occurs. Generally, the higher your deductible, the lower your premium. Look at your budget and savings carefully before risking a high deductible.
- If you have an expensive car or a loan, get insurance beyond the state’s minimum requirements. Remember that the first $25,000 in property damages only applies to other vehicles – not your own.
- Keep a good driving record, and a good student record. The best way to keep your premiums low is to drive safely and obey traffic laws. Students can often get lower premiums for maintaining a high GPA.
Even as a leisure activity, driving is dangerous and requires concentration. Avoiding distractions and packing thoughtfully could save your life and the lives of people you love.
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