If you want to find the best Jackson car insurance rates then spending a few moments learning all you can about the Jackson auto insurance shopping process can end up saving you quite a bit of money.

Jackson, the capital of Mississippi, is a city with a rich history. This gives Jackson a small town feel while still offering a variety of city life activities. Because of the diversity of the city, car insurance needs to be diverse as well. Whether you go with a local or national company, there are some important and unique features about Jackson car insurance you should be aware of.

Jackson Car Insurance Statistics

One feature that makes Jackson car insurance unique is its geological location. Jackson is located on the Pearl River. This causes two unique circumstances for auto insurance. First of all, there is a higher ratio of water related accidents in Jackson than in other Mississippi cities. This is something Jackson auto insurance companies take into consideration when they are setting a premium.

Another circumstance that Jackson’s location creates is weather related damage. Jackson is prone to tornadoes, severe thunderstorms, and large hail. This means that Jackson residents should have comprehensive coverage on vehicles. Comprehensive coverage protects your vehicle in the case of weather damage, acts of God, or theft. Having this coverage in an area prone to bad weather is a wise choice.

Though the rate for violent crime has gone down over the past two years, Jackson is still ranked as the 23rd most dangerous city. This is especially relevant the closer you live to the center of the city. Because of this, car theft rates are higher than the national average. The farther you live away from the city center, the lower your premium will be. You can also reduce this premium but have an anti theft device on your vehicle.

Jackson Car Insurance Requirements

There are minimum Jackson auto insurance amounts required by Mississippi law. However, these minimums might not be enough. As discussed above, you may want to consider adding coverage such as comprehensive coverage because of the area you live in. At the very least, you must carry the required amounts or you will face fines, jail time, and suspension of your license.

The minimum amounts required by Mississippi law are $25,000 per person and $50,000 per accident in Bodily Injury Liability and $25,000 in Property Damage Liability. Mississippi follows a tort system which means that someone will be found at fault for causing an accident. This will be determined by law enforcement that is on the scene of the accident. This at fault person uses their insurance to coverage all damages.

According to one study, nearly one fourth of all drivers in Mississippi have no auto insurance. Because of this, you should consider getting additional protection. Uninsured/ Underinsured auto insurance is an optional coverage that you can get through your insurance company. This type of coverage protects you if you are in an accident that is caused by an uninsured driver. Because of the tort system, that driver is responsible for damages and if they don’t have coverage, your damage is not covered. Uninsured Drivers coverage will provide coverage if you are in an accident with an uninsured driver.

Jackson Car Insurance Savings

There are many ways that you can save money on Jackson car insurance. First of all, be a safe driver. A safe, clean driving record automatically lowers your monthly premium and gives you an affordable rate. Records are only researched by insurance companies for 5 years. So even if you have had violations in the past, after 5 years your record will be clean.

A clean driving record means you have no recklessly caused accidents, less than 3 accidents in a calendar year, no speeding tickets, and no instances of driving without insurance. A poor driving history can increase your monthly premium by up to 50 %. Being a safe, defensive driver who follows the laws of the road can save you money in the long run.

Another way to save is to ask your Jackson auto insurance company or prospective company about discounts. Discounts are typically given for student drivers, taking a driver’s education class, having anti-theft devices on your vehicle, being a senior citizen, working close to your home, or being in the military. There are also discounts given to members of organizations or alumni from certain colleges.

Finding out what discounts are available is vital to saving money on your Jackson MS car insurance rates. Also vital to saving money is shopping around. You can compare quotes from top Jackson Mississippi auto insurance companies online by using a rate quote tool. Comparing rates and quotes will help you choose the right Jackson car insurance company.

Compare Jackson Car Insurance Quotes

See how much you might be able to save by comparing Jackson MS auto insurance quotes online today!