My girlfriend’s place here in Mississippi is often flooded when it rains hard and I’m worried that if I fetch her, my car would break down. In case this happens, would my insurance coverage pay for the damages in my car?

Bob

Jackson, MS

One of the factors that determine what your auto insurance premium should be is the risk that there is in the environment where you “regularly” go to or park your vehicle. If you and your girlfriend go out together before you got your car insurance, you may have to inform your car insurance agent about it. You have to know that small details like this matter much to insurance companies since it puts your vehicle to a situation wherein you may make a claim because your vehicle might suffer damages. However, normally, insurance companies cover claims like yours only if you have what they call a “comprehensive coverage.” This means that your insurance covers your vehicle for losses that may result from incidents other than collision. Such incidents may include falling objects, explosion or missiles, fire, earthquake, storms and hails, theft, malicious mischief, riot or civil commotion, collision with animals, and in your case flooding. In case any of these happens to your car while it is under a comprehensive coverage, the insurance company would pay you an amount equivalent to how much you need to get your car fixed. However, if your insurance company arrives in the decision of “totaling” your car, it would pay you your car’s cash value instead. Of course, the company would have to take into consideration your car’s depreciation and thus deduct it to what you declared as its initial actual value.

How can I purchase auto insurance online? Is it different from buying through an agent in Mississippi?

Marty

Jackson MS

First, it’s a good idea for you to purchase your auto insurance needs online as this can give you a lot of discounts. How to buy auto insurance online is not a complicated process in Mississippi. It simply requires you to fill out an online application form that is available in an insurer’s Web site. Once the form is filled, you can click the submit button and wait for an instant feedback from the insurer. The approval could take 24 to 48 hours. Finding the form is not difficult because it’s very clear from the front page what button you should click. Before buying insurance though, you may want to consider getting a few quotes first so that you don’t end up buying a policy that is more expensive compared to others. The auto insurance quotes are not difficult to obtain so long as you follow the given directions. The steps are provided and all you need to do is to follow them. This will not require a lot of your time.

How to buy auto insurance from an agent may be a little different since the agent gets to do the work. This may be less hassle for you but you have little control of the process. The agent will likely do his best to convince you to buy whatever it is he has placed on the table because if you won’t, he’ll be doing another work. This is different in how to buy auto insurance online because you get to adjust the coverages until such time that you are satisfied with it.

If you want to know which is more ideal, I would say that buying online presents more advantages compared to buying from an agent. There is the fact that you can do it anytime of the day in the comfort of your home or anywhere that is connected to the World Wide Web.

Is it true that cheap car insurances Mississippi are no longer offered by car insurers? My husband says he has noticed most car insurance companies raising their car insurance premiums. Many thanks.

Marianne

Jackson, MS

While there might be a trend of increasing car insurance rates in your area, saying that cheap car insurances Mississippi is no longer in offered by the market may be too much to say. The reality is, the intense competition among car insurance companies in the region can only push some insurance companies to lower their rates in order to attract more customers.

It could be that your husband didn’t shop hard enough to find cheap car insurances Mississippi. The important thing in looking for cheap car insurances is to shop as extensively as possible. There are numerous ways for car owners to find information on cheap car insurance in Mississippi. There’s the Internet and there’s the yellow pages. Either of these resources can give you excellent details on car insurance companies offering the lowest car insurance rates in the area.

There are other ways to find cheaper car insurance in your area. For example, you can inquire with your current insurance provider if they are giving discounts to multiple policy holders. If they do, then you can get significant savings on your car insurance policy.