I just bought my first car here in Mississippi, and I’m thinking of buying car insurance. Is there cheap car insurance that I can purchase?

Rodney

Jackson, MS

Everyone wants to get cheap car insurance policies. I don’t think there’s anyone in Mississippi, or anywhere else, for that matter, who wants to pay for expensive premium rates.

Contrary to popular belief, and more than being a marketing strategy or a catchy tag line, cheap car insurance policies can also be for those with speeding tickets or traffic violations. Most car insurance companies offer cheap car insurance policies to an average driver, even with a few fender-bender incidents. But in order to get that dream cheap car insurance, you have to shop around, so you can compare different insurance quotes from many dependable insurance companies. Try and assess each company’s offer, their premium rates and its coverages. And you don’t have to drive to each company’s office or call all car insurance entries in your phone directory. Nowadays, you can simply go online and get free car insurance quotes over the internet.

While you’re scouting for car insurance providers, make sure that your driving record is as clean as you can possibly keep it. I know that people are not perfect, but you can at least try to be a more responsible driver. Don’t drink and drive, watch out for your speed, and keep an eye out for important traffic signs. Remember that the more accidents or violations in your driving record, the higher the cost of your car insurance policy.

Another way to lower your rates is by paying a higher deductible. A deductible is the amount that you’re willing to shoulder in the event of an accident. Choosing a higher deductible can lower your rates, but it also means that you’ll be sharing the expenses for property damage or personal injuries resulting from an accident. But make sure that your finances can accommodate these deductibles to avoid certain delays in your insurance claims. Think about this thoroughly to avoid complications in the future.

Lastly, you can think about adding more security features on your new car like anti-theft alarms or anti-lock breaking system or side airbags. Having a car with a lot of safety features in it can definitely lower your rates. This is because these safety features can lower the risk of accidents or theft or car damage due to collision.

With all these tips in mind, I’m sure that you’ll be able to find a cheap car insurance policy that will not only suit your budget but will also give you ample security and protection.

Tags: auto insurance coverage, auto insurance online, auto insurance policy, auto insurance premium, cheap auto insurance

Can I get a non owners car insurance here in Gulfport, Mississippi if I only have an international drivers license?

Fred

Gulfport, MS

If you are planning to get a non-owners car insurance policy in Gulfport, Mississippi most insurance providers will require you to have a US license. You may be able to begin an auto insurance policy with an international driver’s license but most insurance providers will require you to obtain a US license within thirty days otherwise, your car insurance policy will be cancelled.

If you are just visiting the US and would like to buy a non-owners auto insurance policy you may shop around online and find a car insurance carrier. If you want to use this non owners policy for rental car it may be best to purchase the insurance from the rental vehicle company. If you will be borrowing a friend’s vehicle and you want to use non-owner’s policy to cover you on a friend’s car, you may want to check if your friend’s vehicle insurance will cover you while you are driving the automobile.

Tags: auto insurance, car insurance quotes, non owners insurance

Someone stole my vehicle in Gulfport, Mississippi and caused damages to other people’s properties and I would like to know if my insurance policy will cover those damages. The person who stole my vehicle did not have car insurance.

Jack

Gulfport, MS

Generally the car owner of a stolen automobile is not held liable for damages done by their car when it was in driven by the thief. Since you did not give permission to the person who stole your car your insurance carrier should not be held liable either.

The driver of the stolen vehicle will have problems since he was driving without insurance. Stealing a car is a criminal act. Even if the thief has insurance, his insurance company will probably not cover the damages he caused.

If the individual who stole the car in Gulfport, Mississippi was caught, then it is likely that he will be held personally liable for the damages to the properties. You may try contacting your insurance company with regards to the terms of your car insurance policy, since any damage to your car will need to be claimed through your comprehensive coverage.

Tags: auto insurance, comprehensive insurance coverage

My daughter is 21 years old and is away at college. My current car insurance provider in Jackson, Mississippi gives better car insurance rates for students who are away from home. Will I be held liable if my daughter drives her friends vehicle and gets into a crash?

Sandra

Jackson, MS

Generally, as a parent you are liable if your child is away at college and drive her friend’s car. When a person drives someone else’s vehicle with permission, the car insurance of the owner will be used as the primary insurance and if the car owner’s insurance limits the driver’s insurance will kicks in.

Your son is no longer a minor and he would likely be held liable herself and not her parents if he gets into an accident but I still suggest that you speak with an attorney regarding your state laws about this and ask them what the liability of the you as a parents if your daughter is away at college and gets into an accident while driving somebody else’s vehicle. You may also verify with your car insurance company Jackson, Mississippi if your car insurance policy will cover your daughter while she is away at college and drives somebody else’s car.

Tags: auto insurance, Student car insurance

I am eighteen years old and I only have the learners permit in Jackson, Mississippi. I am wondering if it is possible to obtain car insurance at this time? Where do I begin?

Andrei

Jackson, MS

Yes, some insurance companies in Jackson, Mississippi may allow your to get car insurance policies with just a learner’s permit.

With some certain insurance providers, they will typically need a valid drivers license or be able to obtain one in a certain time period. The insurance provider will possible make you get a regular driver’s license within 30 days of your car insurance policy’s inception date, but it still depend on your age. In addition to that, if you only have the learners permit the insurance carrier may require you acquire the car insurance policy with a driver on it who has a full drivers license.

If your parents have a car insurance policy already, you should check if you can be placed to their car insurance policy for insurance coverage.

You may want to get a young driver car insurance quote in Jackson, Mississippi here to begin with so you may know how much you should be expecting on your car insurance premium and for you to be able to compare better deals with various insurance companies in Jackson, Mississippi.

Tags: auto insurance, car insurance quotes, teen insurance, Young driver car insurance

I am planning to purchase car insurance in Jackson, Mississippi and I would like to know if its necessary to inform my car insurance company about the ticket I received?

Lisa

Jackson, MS

Yes, when buying for auto insurance in Jackson, Mississippi, as part of the application process, you will be asked about any accidents, traffic violations, or car insurance claims you have had within a certain period of time. So you would need to inform the insurance company of any ticket you have been convicted of when shopping for car insurance quote.

If you do not include the violations on your car insurance application then your auto insurance quote will not be correct. If your insurance provider pull your motor vehicle record (MVR) and learn about the traffic violation convictions you did not list on your auto insurance application, it will be considered inaccurate. Once the infractions are known by the insurance carrier then your car insurance quote will need to be calculated again including tickets into account. You are just delaying the correct information on what your car insurance quote will be.

Tags: car insurance quotes

Reader’s Question:

If someone else is driving my vehicle in Jackson, Mississippi, and my car is not insured, am I responsible if they get into an accident?

John

Jackson, MS

Generally, yes as the vehicle owner you can be held responsible for damage a driver causes in your uninsured car in Jackson, Mississippi. As the automobile owner you have vicarious liability for those that drives your automobile. If the vehicle is not insured and your state requires car insurance, or another type of financial responsibility to be on the car, then you should not operate it or permit another person to drive the car and thus knowingly breaking the law.

Normally in an accident insurance follows the vehicle first and driver second, so you as the vehicle owner are primarily liable. If the driver causes an accident then both the you as the vehicle owner and the driver can be held responsible for the damages the driver caused while driving your car.

If the driver is cited for driving uninsured at the scene of the accident then in most states they can have this ticket dismissed if they provide the court the vehicle owner’s information for the ticket to be transferred to the vehicle owner. Penalties for permitting an uninsured car on the roadway can include fines, registration, suspension of driver’s license, car impoundment, etc.

Tags: auto insurance, driving without insurance

What constitutes a Principal or Primary Driver on a vehicle in Meridian, MS? Our son turned sixteen today and we added him to our insurance coverage on a car. He will be driving this car mostly, but my husband and I also drive the car and we own it.

Carl

Meridian, MS

Generally a principal or primary driver is the individual who drives the vehicle a majority of the time. So if your son is the person who will be doing most of the driving for that one particular car he will be determined to be the principal driver of it.

If someone drives the vehicle much more often than the insurance policy owner, he or she should be listed as the primary driver of the vehicle in Meridian, MS. The primary driver in large part determines the insurance premium rate, and providing false information can give the insurance carrier a reason for cancellation or denial of car insurance claim.

Insurance providers can vary on their definition for primary, secondary, principal or occasional driver though. Because to this, you will need to speak what a primary driver means to your specific insurance company.

Tags: auto insurance

If you get involve in an accident outside the US which is your fault, will I still maintain my low cost auto insurance if I inform my insurance carrier in Gulfport, Mississippi?

Myers

Gulfport, MS

Yes, you should inform your insurance company in Gulfport, Mississippi of all accidents, traffic violations or insurance claims regardless of scope or location.

Most auto insurance policies require the policyholder to inform insurance carriers of any accidents.

So the terms of your car insurance policy may require you to tell your insurance carrier of any accidents you are involved in, including those that may have happened out of the country. You are required legally to answer all the questions in their insurance contract accurately before you sign your name to the insurance contract.

Tags: auto insurance, Car Insurance Company, traffic violation

How long will a speeding ticket remain on my driver’s record in Tupelo, Mississippi? Is there a defensive driver course that may be able to help to remove it from my record?

Everett

Tupelo, MS

The Department of Public Safety (DPS) in Mississippi keeps records of all traffic abstracts received for a period of 3 years at its main office.

You will need to verify with the court, if you have not yet paid your traffic ticket, or the Department of Public Safety, if you have paid the traffic ticket, to check if you qualify for the approved traffic safety violator course or Defensive Driving course (DDC) so that the speeding ticket is not put or does not stay on your driving record in Tupelo, MS.

For auto insurance purposes you may be able to take the Defensive Driving Course and then bring your completed certificate to your insurance broker. This may help lower your insurance rates up to 10%. Likely you cannot take one traffic school class for both insurance discount purposes and removing the ticket but verify with the MS DPS to be sure.

Tags: car insurance rate