Car Insurance in Greenville

Enjoy the best of Mississippi with car insurance in Greenville.
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Driving in Greenville

Close to the border with Arkansas, Greenville, MS, sits on the shores of Lake Ferguson. The 28,000 or so residents of Greenville have the opportunity to enjoy many scenic drives and use their cars for shopping trips or convenient commutes to work.

Greenville has public transit, but it is limited. Many residents turn to vehicles for more flexibility. In fact, the average household here owns two cars.

About three people in Greenville are involved in fatal car accidents per year. Car insurance in Greenville is always important, so compare rates with VIU by HUB. Major or minor accidents are possible at any time regardless of fault. Insurance can also be helpful in situations involving fire, vandalism or contact with a deer.

Mississippi Requires a Minimum Amount of Insurance

Mississippi mandates that car owners carry a basic amount of liability vehicle insurance, called 25/50/25 for short. This basically means drivers should have at least $25,000 in bodily injury coverage per accident for injuries they cause to one person, $50,000 for all injuries per accident and $25,000 for property damage they cause.

This is liability insurance, though, and is not designed to protect you or your property. However, if you are hurt in an accident, the other driver's insurance might pay, depending on who is at fault and other circumstances. Despite legal requirements, not all motorists carry insurance or adequate insurance. Many drivers opt for uninsured/underinsured motorist coverage to protect themselves, but the state does not require it.

Other Types of Insurance Available

In addition to uninsured/underinsured motorist coverage, there are options for collision, comprehensive and personal injury protection insurance. Lenders usually require collision and comprehensive since these types of coverages can pay to repair or replace the car.

Collision can be helpful in car collisions or collisions with a fence or tree. Comprehensive applies in other situations such as vandalism or fire. If you hit a deer or an animal, comprehensive would be the type of insurance applicable, too.

Personal injury protection insurance offers another layer of protection beyond health insurance in case you're hurt in an accident. It applies regardless of fault. Experts generally recommend that everyone get coverage for a minimum of $10,000. PIP can also help with funeral expenses, wage loss and loss of services, for example, if your family has to hire someone to perform chores since you can no longer do them.

It can also be a good idea to increase the liability coverage you carry. If you have significant assets, then 50/100/50 or 100/300/100 coverage might serve your needs better than the 25/50/25 minimum requirement. Otherwise, your assets could be at risk if you're at fault in an accident that exceeds your insurance limits.

Cost of Auto Insurance

Car insurance in Greenville averages about $1,214 per year. The factors that affect car insurance rates include mileage, make and model of the vehicle, the discounts you qualify for, your age, your driving record, marital status and auto insurance selections.

The amount of your deductible also affects your rates. You could get a higher deductible for lower monthly payments but have to pay more out of pocket if you file a claim.

One way to save money is to compare quotes from multiple insurers. Although insurers commonly use similar risk factors, they weigh risks differently. To compare quotes quickly and streamline the process, use VIU by HUB to simplify your shopping for car insurance in Greenville.

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


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