Car Insurance Quotes in Southaven, MS

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Getting Around Southaven With Adequate Insurance

Located at the state line of Mississippi and Tennessee, Southaven is an exciting little city with lots to do. Central Park in the middle of town will keep you busy for hours with a playground, walking paths, plenty of shade and a fishing pond. Snowden Grove Park and Greenbrook Lake are great areas to spend time with the family. Before you head out, decide between car insurance quotes in Southaven, MS, so you are protected in case of an auto accident.

While Southaven doesn't have the highest rate of car accidents in the state, there are far too many. Between 2018 and 2021, 14 accidents resulted in the deaths of 15 individuals. There were 25 vehicles involved and five pedestrians. Car insurance was essential in those situations, covering the costs of injuries, property damage and death.

Another risk to keep in mind while on the road is the weather. While Southaven doesn't see too much snow, it does appear on occasion between December and February. Drivers should know how to drive in such weather and practice caution when behind the wheel. Rain, on the other hand, appears throughout the year, with it being the heaviest in April. This also causes dangerous driving conditions that residents should watch out for.

Knowing Your Options for Travel

Although there are some nearby transportation options, such as a neighboring taxi system, Southaven does not currently offer public transportation. This can be problematic for someone who needs to get places. Your solution is to purchase a car, giving you access to transportation when you need it.

When you're in the process of buying a car, you should also be in the process of comparing car insurance quotes in Southaven, MS. With the help of VIU by HUB, you can make a side-by-side comparison of several insurers.

Realizing the Differences in Premiums

The premium for car insurance will vary based on several factors. Drivers who opt for minimum coverage can expect to pay around the average of $495 each year. Those who go for full coverage will have a yearly payment close to the average of $1,602.

When comparing car insurance quotes in Southaven, MS, you might notice your age playing a role in the premium. Teens pay on average, $6,182 each year. The average yearly premium for seniors comes in at $1,570. Gender, the type of car you drive, your zip code and your driving history will also play a role in the cost of insurance.

Understanding the Covered Risks

Different policies cover different risks when it comes to car insurance. One individual might opt for the state's minimum of personal injury liability and property damage liability while another might opt for full coverage. Some possibilities and risks covered include:

  • Comprehensive - This covers costs related to property damage caused by something other than a collision. Included are natural disasters, contact with animals, vandalism and theft.
  • Collision - This covers costs related to property damage caused by a collision involving another car, a utility pole, a wall or any other object.
  • Uninsured/Underinsured - This covers your medical bills and property damage caused by a driver who failed to purchase at least the minimum required liability.

Finding a Policy That Covers Your Needs

VIU by HUB takes your needs and requirements, puts them together to generate a list of options and allows you to compare car insurance quotes in Southaven, MS. Whether you just bought your first car or are looking to upgrade your coverage, getting started is easy.

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


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