Car Insurance in Meridian, MS

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Driving in Meridian, MS

Meridian is a historic city with a population of nearly 34,000 people. A relatively small populace does not mean less need for auto insurance, though. Having the right coverage offers peace of mind and protection in both minor and major situations.

Public transportation is available in the city, but many motorists enjoy the freedom and convenience of a car. In fact, 81.1% of residents commute alone in a car to work, while 10.7% carpool.

About 12 people are involved in fatal accidents in the city per year. Avoiding distractions, wearing seat belts and getting car insurance in Meridian, MS, all help protect drivers. You can use VIU by HUB to easily compare quotes.

The Amount of Car Insurance Meridian Residents Need

People in Meridian need the minimum required insurance for the state of Mississippi. It is liability insurance to cover injuries and property damage you may cause in an accident. It offers $25,000 in bodily injury protection for one person per accident, $50,000 for all injuries in an accident and $25,000 for property damage per accident. You can simplify this coverage by calling it 25/50/25.

If you do not have many assets, then this level of liability coverage may be enough for you. Many people with assets to protect, though, get more coverage. Otherwise, if they are found liable in a car accident and lack enough insurance to pay someone, their assets could be at risk. It can give you peace of mind to have liability coverage roughly equal to the value of your assets.

Optional types of insurance can be quite helpful, too. They include the following.

  • Uninsured and underinsured motorist coverage: Not everyone has auto insurance coverage (or enough of it) despite the laws in the United States. This type of coverage can protect you if you're in an accident with someone who lacks sufficient coverage.
  • Personal injury protection coverage: This can help pay your medical bills, lost income and other expenses regardless of fault if you are in an accident. Your health coverage applies first, though.
  • Collision insurance: Your lender probably requires you to have collision coverage, which offers protection to repair or replace your car (minus the deductible) after a collision with another car or an object such as a tree.
  • Comprehensive insurance: Lenders usually require this type of insurance, too. It offers protection if you hit a deer or another animal. It can also help in situations involving vandalism, theft and falling objects such as trees. Always check to see which items are excluded, though. For example, some comprehensive policies exclude falling objects.

Insurance Needs Change Over Time

It is a great idea to compare auto insurance quotes at least once a year. Otherwise, you could be currently insured for a situation that has become outdated. For instance, you might have insurance you consider unnecessary on your car since it has undergone a lot of depreciation in the past five years.

Cost of Auto Insurance in Meridian

Car owners in Meridian pay an average of $1,116 per year for auto insurance. You may pay more or less depending on the levels and types of coverage you select as well as your age, driving record, mileage totals, address and other factors. Different insurers also weigh risk differently, so comparing quotes with VIU by HUB for car insurance in Meridian, MS, can save you a lot of money and time.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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