Importance of Auto Insurance Coverage
Reader’s Question:
Will I get in trouble here in Mississippi if I drive around without auto insurance coverage? I will buy coverage if I really have to but if it isn’t a state requirement then I would rather spend that money elsewhere. Thanks!
Karen
Jackson, MS
The short answer is YES. Mississippi, like most states these days, have financial responsibility laws that require every motorist to be able financially capable of paying for injuries or damages they cause in an auto accident. That means it’s illegal to be operating a vehicle if you don’t have auto insurance coverage. So you really need to buy auto insurance since it’s the law.
With the kind of economy we have these days, it is quite understandable (even commendable) that you are very hesitant to throw good money on something unnecessary. So here are some tips on how to get auto insurance coverage without breaking your budget:
1. Compare Rates Online – Using auto insurance portals (like this website) that offer an auto insurance free quote. This will help you find the insurers that have the lowest rates out there.
2. Simplify Your Coverage – Some people only need liability coverage. If you don’t think you need full comprehensive coverage then remove the excess of your policy. Personal Injury Protection (PIP) is one example; a good medical insurance can easily substitute this.
3. Drive Responsibly – Maintaining a good driving record is the best way to ensure affordable auto insurance rates for many years to come.
4. Ask for Discounts – There are many available so don’t hesitate to ask insurers about the ones you’re eligible to get.
5. Pick a Bigger Deductible – Choosing a bigger deductible amount will lead to substantially lower premiums.
You would be at a far higher financial risk for not carry auto insurance coverage, especially if you get into an auto accident. So get that auto insurance free quote and find an insurer that best fits your needs today.
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