Cheap Car Insurance in Hattiesburg, MS
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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.
Auto Insurance Coverage Requirements in Mississippi
Driving legally in Hattiesburg requires:
|Bodily Injury Liability||25,000/50,000||25,000/50,000|
|Property Damage Liability||25,000||25,000|
|Uninsured Motorist Bodily Injury||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 paying $115 or more monthly for their insurance premiums. But living in Hattiesburg can get you some seriously low rates – possibly as low as $41/mo!
If you absolutely must pay the lowest monthly premium possible, then your best bets are either State Farm, Nationwide, or ALFA. However, there are other factors 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 several 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.
Major Car Insurance Factors in Hattiesburg
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.
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. Unfortunately, fatal accidents are fairly high per capita in Hattiesburg, so check with your insurance agent to see if your provider offers Safe Driver discounts.
Auto Thefts 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 automotive insurance policy. Conversely, drivers with lower credit scores will be expected to pay more per month in order to maintain insurance coverage.
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 paying more than double the monthly premium of someone twice their age.
Your Driving Record
As you can see from the chart, serious 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 serious violations, you have options. Talk to your insurance agent, and see if your provider offers “Accident Forgiveness” discounts.
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 Factors in Hattiesburg
In Mississippi, like in many other states, these factors 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).
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 several 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.
Unfortunately 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!
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.