Auto Insurance In Mississippi

Reader’s Question:

I had a DUI conviction a couple of years back, how will that affect premiums on my auto insurance in Mississippi?

Marla

Jackson, Mississippi

The minimum basic liability coverage for auto insurance in Mississippi includes $25,000 per person in a single accident, $50,000 per accident for bodily injury and $25,000 per accident damages to property. Having a driving under the influence conviction, however, will add an additional requirement for you: an SR-22 auto insurance policy.

The SR-22, which must be maintained for three years, is a proof of financial responsibility on your part.

Also, when you are taking out coverage for auto insurance in Mississippi, chances are you will see higher premiums because of the conviction. Remember that having a clean driving record helps keep premiums down because insurance companies see you as a low risk individual.

The good news is a DUI conviction does not stay on your record forever. In fact, for insurance purposes, it is reflected on your record for a maximum of three years. In the meantime, do not drink and drive, so that after three years, you would have a clean slate and better chances of getting cheaper premiums.

Take heart, there are other ways to get cheaper premiums on auto insurance. Be sure to shop around using the Internet or by calling up insurance companies. Be upfront about having the DUI conviction and ask if they have any discounts that you can avail from them.

Also, choose to pay for a higher deductible. In the event that you file a claim, the deductible is the amount you pay before the insurance company steps in. A mere $200 increase in deductible could cut your premiums by 25%

Drive an older car. Not only do older cars give you lower premiums, you can also do away with expensive collision and comprehensive coverage. If you have a problem with alcohol, which is what got you here in the first place, you might also want to consider driving less. That way you can avail of low mileage discounts on your auto insurance in Minnesota.