Cheap Auto Insurance in Hattiesburg, MS

In the market for cheap auto insurance in Hattiesburg, MS? With CheapCarInsuranceinc.com, you will discover the lowest cost insurance policy in your city. To get free car insurance quotes offered by the leading providers right now, input your local zipcode within the quote box here.

cheap car insurance hattiesburg mississippi

Hattiesburg is a moderately-sized city located in the central-southern portion of the state of Mississippi. Its nickname “The Hub City” came about during the hay day of its railroad and lumber industries, because Hattiesburg was a major center for shipping and trade. To this day, the city still prides itself on having a diversified economy and being an overall good place to live.

Fun fact: when the town was founded in 1882, it was named after the founder’s wife, Hattie.

Coverage Requirements - Auto Insurance in Hattiesburg Mississippi

Driving legally in Hattiesburg requires:

Coverage	Requirements	Most Common
Liability Bodily Injury	30,000/55,000	30,000/55,000
Liability Property Damage	25,000	25,000
Bodily Injury - Motorist Uninsured	Not required	10,000/20,000
Medical Payments	Not required	1,000
Collision	Not required	500 deductible
Comprehensive	Not required	100 deductible

It might seem inexpensive to drive in Mississippi, since the state only requires liability insurance. But if anything happens to your car which isn’t your fault, then you will be 100% financially responsible for any repairs or medical bills.

It can be expensive to drive in Mississippi – some drivers are forking out $115 or more monthly for their insurance premiums. But living in Hattiesburg can get you some significantly low rates – possibly as low as $41/mo!

If you absolutely must pay the lowest monthly premium possible, then your best bets are either Nationwide, Hartford, or ALFA. However, there are other elements at play, such as customer service and ease of claim filing. Depending on what company attributes are more important to you, a slightly higher premium might be worth the money in the long run.

Auto insurance providers consider multiple variables when determining insurance prices, which includes driving experience, where you live, type of vehicle owned, miles driven each year, and multiple cars and drivers. Furthermore, premiums differ from carrier to carrier. To make sure you’re still being charged the lowest-cost fee, compare cheap Hattiesburg auto insurance rates over the internet.

Most Car Insurance Facts to know in Hattiesburg MS

There are a number of many items that could factor into the rate quotes you are provided with. Although many specific elements aren’t actually something you can do something about, some of them are elements which you can change for the better. Here are a few things which can alter your auto insurance premium:

Your Zip Code

The place you park your automobile nightly will have a significant influence on your car insurance rate. Generally, car insurance is cheaper in non-urban areas merely because a lower number of cars and trucks indicates a smaller likelihood that you’re going to get into a wreck with another automobile. The populace of Hattiesburg is 47,556 and also the usual family earnings are $26,629.

Automobile Accidents

If motor vehicle accidents are common on the roads where you drive most frequently, then your insurance provider will offset that risk by charging you higher rates. Regrettably, Deadly accidents are fairly high per capita in Hattiesburg, so check with your insurance agent to see if your provider offers Safe Driver discounts.

Car Thieving in Hattiesburg

Residing in a major city (Chiefly any having a high crime rate) raises your likelihood of becoming a victim for auto thieves. Should your general locality has higher rates of claims for theft, you can expect to spend a lot more for your auto insurance in order to counteract these prices. The total number of stolen vehicles in Hattiesburg was 90 during 2013. While this reflects a downward trend, that’s no excuse for not protecting yourself against auto theft. And the only way to do that is with Comprehensive coverage.

Your Credit Score

Like with many things in life, a high credit score will entitle you to some financial perks. One such perk is a lower monthly premium on your Automobile insurance policy. Conversely, drivers with lower credit scores will be expected to pay more per month in order to maintain insurance coverage.

Your Age

It is true what they say: your age will have a significant impact on how much you pay for your car insurance. Compared to someone in their 40’s or 50’s, a young person under the age of 25 might end up forking out more than double the monthly premium of someone twice their age.

Your Driving Record

As you can see from the chart, significant driving violations will make a noticeable impact on your monthly premium. And if the violation is severe enough, such as reckless driving or a DUI, you may lose your coverage all together. However, for less significant violations, you have options. Talk to your insurance agent, and see if your provider offers “Accident Forgiveness” discounts.

Your Vehicle

Another factor which helps determine your monthly rate is how much it might cost for your damaged or stolen car to be fixed or replaced. Naturally, more expensive vehicles will require more comprehensive insurance coverage, and also cost more to fix, which results in expensive insurance premiums. Common, affordable vehicles, like the Honda Accord displayed in the chart below, are much more affordable to insure.

[]

Minor Car Insurance elements in Hattiesburg

In Mississippi, like in many other states, these elements below might also be able to change your monthly insurance payment:

Your Marital Status

Your marital status could save you money on car insurance, especially if you and your spouse bundle your policies together with the same insurance company. But if two partners choose to insure themselves separately, you could be charged a few dollars more, or a few dollars less per policy based on your marital status. In general, this difference rarely amounts to more than 3% of your monthly premium (without bundling, that is).

Your Gender

Gender is another attribute which varies from one company to another. Some insurance providers charge their male drivers 1-2% more, while other companies quote similarly higher rates for female motorists. And some companies will charge you the same price, despite whether you are male or female.

Your Driving Distance to Work

Work commutes are typically short for those who live in Hattiesburg. On average, it will only take 14-25 minutes to drive to work. Most commuters choose to get there in their own vehicle alone (76%) while another 4-19% prefer carpooling.

Your insurance company may ask whether you drive your vehicle for work/school, pleasure, or whether it is a business vehicle. You may also be asked how many miles you plan on driving each year. While the answers to these questions may adjust your rate by a few percentage points, only business vehicles will see a significant monthly rate increase above 10%.

Your Coverage and Deductibles

As is with most forms of insurance, the more coverage you purchase, the more you will pay in premiums each month. Also, keep in mind that higher deductibles will save you money on your monthly premium – however, it will be more expensive to get your vehicle fixed in the event of an accident.

Education in Hattiesburg, MS

In Hattiesburg, around 22% of residents have obtained their high school diploma. Additionally, another 21% have yet to complete their high school education. But did you know that motorists who hold advanced degrees also tend to get offered lower rates on their car insurance? It’s even more effective than getting discounts for having a good career or a high salary!

There are multiple institutions for higher learning located in and around Hattiesburg. For those looking into a public school, there is the University of Southern Mississippi or William Carey University for students who want to attend a private institution. Additionally, Pearl River Community College has a campus in Hattiesburg located in the Forrest County Center.

Regrettably for the majority of insurance agencies, a fairly easy search on the internet can reveal many of their business mysteries. But even by using the correct advice, it could still be tough for anyone as an individual to figure out your own risk profile and find the cheapest possible insurance. Be sure you carry out your own due diligence before you commit to your next automobile insurance policy.

If you want to read more about Hattiesburg, click here!