Auto Insurance

Having proper auto insurance is important for every car owner - it provides financial protection if you get involved in a car accident. It does not protect only a car owner and a vehicle, but also other family members and other parties on the road. The state of Mississippi requires all car owners to have proper car insurance. This means that driving without it is considered illegal. If you are a resident and car owner in the Magnolia State and you are currently shopping for auto insurance, The Ford Insurance Agency prepared a list of things you need to know about this type of insurance:

Things You Should Know

  • Auto insurance costs depend on certain factors, including vehicle usage, rate trends, credit score, insurance rate, and driving record.
  • A deductible also impacts the cost of insurance - it is the amount that a policyholder will have to pay out of pocket to cover damages in case of an accident before their insurance kicks in and covers the rest. The higher deductible you have, the less you need to pay for your insurance.
  • All car owners of the Magnolia State have to have minimum liability coverage. However, in most cases, this coverage is not enough because it covers only other drivers and damages to their vehicle if you were found liable for an accident. Minimum liability coverage is a good choice only if you are on a tight budget and cannot afford adequate coverage.
  • If you are going to use your vehicle for business purposes, you also need to have commercial auto insurance because your standard auto insurance will not cover it.

We Are Here for You

If you are a car owner from the state of Mississippi and you want to buy an auto insurance policy to protect you and your car on the road, The Ford Insurance Agency is ready to assist you. We will be happy to answer all your questions and find you a policy based on your requirements and need. Feel free to give us a call today to have insurance tomorrow.